Unregulated Crypto Loans in Europe? 😳 | Bybit EU CEO

About this episode

Georg Harer discusses the regulatory landscape for crypto loans in Europe and Bybit's approach to navigating it.

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…

People in this episode

Host: David Sencil

Guest: Georg Harer

Topics covered

• crypto loans
• European crypto landscape
• regulatory gaps
• MiCA
• Bybit EU
• stablecoins

Keywords

• crypto loans
• regulation
• Bybit EU
• MiCA
• stablecoins
• financial law
• Paris Blockchain Week

Mentioned in this episode

Organizations: Bybit, Bybit EU, MiCA, e-money, MiFID

Places: Europe

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