Important update: Spectro Finance OÜ can no longer provide crypto-asset services in the EU/EEA — please withdraw your assets

Who this affects

This applies only to users whose SpectroCoin services are provided by Spectro Finance OÜ. Several companies provide services on the SpectroCoin platform. If the company providing your services is not Spectro Finance OÜ, nothing changes for you. If you are unsure which company provides your services, please check your profile or contact our support team.

Where things stand

In June, we informed EU/EEA clients about the EU's move to the MiCA regulation and the limits this placed on our services. We have closed new sign-ups and deposits since mid June 2026. On 11 September 2026, we wrote to clients asking them to withdraw their assets as soon as possible.

Spectro Finance OÜ is not authorised under MiCA and is therefore no longer providing crypto-asset services to clients in the EU/EEA — this includes holding crypto-assets and funds on your behalf. We are continuing to work towards MiCA authorisation in Estonia, but until such authorisation is granted, we cannot provide or resume our services, and we cannot say when or whether that will happen. Please do not wait for it and withdraw your assets by 11 November 2026.

Key date: 11 November 2026

• Until 11 November 2026 — withdrawals are open. You can withdraw your crypto and EUR yourself on the platform, and convert crypto to EUR for withdrawal.
• After 11 November 2026 — full access to the platform will be restricted. Please contact our support team; they will guide you through the steps to have your assets returned to you.

What you can still do

• Withdraw your crypto to your own wallet or to an authorised provider of your choice.
• Withdraw your EUR to a bank account in your name.
• If you would prefer to receive EUR, convert your crypto to EUR on the platform and withdraw the EUR to your bank account. Conversion is offered only so that you can withdraw.

What is not available

• New registrations, deposits of crypto or EUR, purchases with new funds, account top-ups and all other services. Please do not send new funds or crypto to your account.
• We are not accepting new clients in the EU/EEA.

What we kindly ask you to do

1. Log in and check your crypto and EUR balances and any open orders.
2. Withdraw your crypto — please double-check the address and the network before you confirm.
3. Withdraw your EUR to a bank account held in your name.
4. Please do this as soon as possible, and by 11 November 2026 at the latest. We can no longer hold your assets for you, so please do not put it off.

Frequently asked questions

Are my assets safe?
Yes. They are held and safeguarded exactly as before, and they remain your property.

Do I have to withdraw?
Yes, please. Spectro Finance OÜ can no longer provide crypto-asset services, including holding your assets, so we ask you to withdraw them as soon as possible, and by 11 November 2026 at the latest.

What happens after 11 November 2026?
Full access to the platform will be restricted, so please contact our support team. They will guide you through the steps to have your assets returned to you. Your assets will remain yours and will be kept safe, earmarked for you, until then.

What if I need help?
If you have any difficulty withdrawing, contact our support team and, after the usual identity checks, we will return your assets to the wallet address or bank account you give us.

I hold crypto but would like to receive EUR — what can I do?
Convert your crypto to EUR on the platform and withdraw the EUR to a bank account in your name before 11 November 2026, or withdraw your crypto as it is to an authorised provider and convert it there.

I only hold EUR — what should I do?
Withdraw your EUR to a bank account in your name as soon as possible, and by 11 November 2026 at the latest.

I'm a merchant — what about my balance?
Crypto balances can be converted to EUR or withdrawn as they are; EUR balances can be withdrawn to a bank account in your name — please do this by 11 November 2026. New merchant orders have not been accepted since 1 July 2026.

I have already withdrawn — do I need to do anything?
No. If your account is empty, there is nothing more you need to do. Thank you.

Can I still register or join a waiting list?
Spectro Finance OÜ is not accepting new clients in the EU/EEA; you can join the waiting list at the sign-up stage. Non-EEA customers are served by other entities operating on the SpectroCoin.com platform.

When will services resume?
Only if and when Spectro Finance OÜ is granted MiCA authorisation. We are working towards it but cannot give a date, so please do not wait — withdraw your assets by 11 November 2026. We will inform clients if there is news.

How can I check whether a provider is authorised under MiCA?
You can check the register of the Estonian Financial Supervision Authority at fi.ee or the ESMA register of authorised crypto-asset service providers at esma.europa.eu.

Need help?

If you have any questions, or would like a hand with a withdrawal, please reach out to us:

• Live chat — on spectrocoin.com and in the SpectroCoin app
• Email — helpdesk@spectrocoin.com
• Create a ticket — via our Help Centre