Unregulated Crypto Loans in Europe? 😳 | Bybit EU CEO

Unregulated Crypto Loans in Europe? 😳 | Bybit EU CEO

Author: Bitcoin.com April 29, 2026 Duration: 26:10

Georg Harer was a financial lawyer for 10 years before joining Bybit. Now Co-CEO of Bybit EU, he sits with David Sencil at Paris Blockchain Week 2026 to walk through the post-MiCA European crypto landscape — including the regulatory gap MiCA hasn't closed (crypto loans), the three-license stack platforms need to operate, and his pitch to regulators for a consolidated license that would save firms millions.


We cover:

- Crypto loans regulatory blind spot

- The MiCA + e-money + MiFID three-license operator math

- Why Bybit EU started with retail before institutional

- Tokenized stocks at 2am at the club

- Euro stablecoin liquidity vs USDC dominance


Chapters:

00:42 - Bybit's Growth and History

01:11 - George's Background and Transition to Bybit

02:21 - Bitcoin Loans and Regulation in Europe

03:11 - Crypto Loan Regulation Discussion

04:03 - George's Introduction to Bitcoin

05:35 - Bybit's Focus on Europe

07:28 - Trust and Regulation in European Crypto Market

09:00 - Bybit's Customer Base and Licensing

10:30 - Institutional Focus at Paris Blockchain Week

11:15 - Average Bybit User in Europe

12:28 - Bybit's Licensing and Regulatory Challenges

14:11 - Future of European Financial Regulation

17:31 - Euro-Denominated Stablecoins

19:24 - Concerns About Dollar-Denominated Stablecoins

21:35 - Reporting Requirements for Stablecoins

22:22 - Excitement About Tokenized Stocks

23:47 - Bybit's Future Products and Success Metrics


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