Retail Withdrawal Portal
Art. 9 & 13 — 14-Day Right of Withdrawal & Refund Tracking
MiCA Compliance Note
- Art. 9(1): Retail purchasers have the right to withdraw within 14 calendar days from the later of: (a) date of purchase agreement, or (b) date white paper published.
- Art. 9(2): Refund must be issued with no later than 14 calendar days from date offeror is informed of withdrawal decision (Art. 13(2)).
- Art. 9(3): No justification required. No penalty. Refund includes full amount + all charges paid by purchaser.
- Art. 9(4): Right does NOT apply to secondary market purchases or qualified investors.
This POC calculates all 14-day deadlines in calendar days (inclusive) and tracks refund status through the second 14-day window.
Purchase History
Click a purchase to view eligibility and initiate withdrawal
Refund Tracker
No active refunds. Initiate a withdrawal from the purchase history to begin tracking.
❌ What This POC Does Not Implement
- Real payment processing — Refunds are not actually issued to bank accounts. The POC tracks deadlines only.
- NCA notification — No automated reporting to competent authorities (NCAs) of withdrawal requests.
- AML/KYC verification — Does not verify purchaser identity or sanctions screening required by other MiCA articles.
- Digital wallet integration — Does not connect to real blockchain or crypto wallets.
- Multi-language compliance — Only demonstrates English. MiCA requires offering documents in official language(s) of home Member State.
- Audit & compliance logging — Does not maintain immutable records required by Art. 79.