Digital asset infrastructure firm BitGo Europe on Tuesday launched its Crypto-as-a-Service (CaaS) offering across the European Economic Area (EEA), making the product available to banks and fintechs in all 30 member states via its BaFin-authorised Markets in Crypto-Assets Regulation (MiCAR) licensing framework.
The Frankfurt-based subsidiary of BitGo had previously offered CaaS in the United States through BitGo Bank & Trust, National Association.
CaaS is a white-label backend. A bank or fintech integrates BitGo’s modular APIs and webhooks into its own user interface, letting its customers buy, sell, and hold crypto without the institution having to build its own wallet infrastructure or policy engine.
The stack includes programmatic KYC onboarding, regulated custody using multi-signature technology, spot trading and settlement, fiat on/off-ramps via SEPA, and configurable policy controls for spending limits and permissions. Custodial wallets carry insurance coverage of up to $250 million, subject to terms and conditions.
BitGo’s CaaS architecture runs on a four-tier model: an Organisation layer representing the client business, an Enterprise layer for each end-user or department, individual ‘Go Accounts’ where fiat and digital assets are held and traded via off-chain ledgering, and User Accounts for the individuals interacting through the client’s branded platform.
The EEA-wide rollout rests on two regulatory milestones. BitGo Europe GmbH secured its initial MiCA licence from Germany’s BaFin in May 2025, covering custody, administration, and transfer services for crypto assets. In September 2025, BaFin granted an extension adding regulated crypto trading, including exchange and order execution capabilities. The MiCAR passporting mechanism allows BitGo to offer these services across the EEA from its German authorisation.
“Trust is the differentiator in Europe’s regulated crypto market,” said Brett Reeves, Head of EMEA at BitGo. “BitGo’s CaaS combines qualified custody, configurable policy controls, and enterprise-grade operational support, so European businesses can offer crypto services with the governance and protections their customers expect.”
BitGo, which custodies approximately $104 billion in digital assets for over 1,500 institutional clients, listed on the NYSE under the ticker ‘BTGO’ in January 2026 after pricing its initial public offering (IPO) at $18 per share. In December 2025, the firm received approval from the US Office of the Comptroller of the Currency (OCC) to convert to a federally chartered national trust bank.
