{"id":66089,"date":"2026-09-25T09:32:02","date_gmt":"2026-09-25T09:32:02","guid":{"rendered":"https:\/\/crypto-globe.com\/?p=66089"},"modified":"2026-09-25T09:38:51","modified_gmt":"2026-09-25T09:38:51","slug":"kriptoposojila-cakajo-nova-pravila-eba-zeli-razsiriti-mica-tudi-na-defi","status":"publish","type":"post","link":"https:\/\/crypto-globe.com\/sl\/kriptoposojila-cakajo-nova-pravila-eba-zeli-razsiriti-mica-tudi-na-defi\/","title":{"rendered":"Kriptoposojila \u010dakajo nova pravila. EBA \u017eeli raz\u0161iriti MiCA tudi na DeFi."},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Kripto posojila morda \u010dakajo nova pravila \u2013 evropska regulacija kriptovalut se lahko ponovno raz\u0161iri. Evropski ban\u010dni organ predlaga, da se pravila raz\u0161irijo tudi na posojanje in izposojanje kripto sredstev, ki jih MiCA danes izrecno ne ureja. Regulator opozarja predvsem na tveganja za obi\u010dajne vlagatelje, visoko finan\u010dno vzvod in nara\u0161\u010dajo\u010do povezanost kripto platform z decentraliziranimi financami.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropska unija je sicer \u017ee uvedla enega najcelovitej\u0161ih regulativnih okvirov za kriptovalute na svetu, vendar pa nekateri deli trga \u0161e vedno ostajajo zunaj njenega neposrednega dosega. Eden izmed teh so kripto posojila.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropski ban\u010dni organ (EBA) zato zdaj priporo\u010da Evropski komisiji, naj razmisli o njihovi vklju\u010ditvi v uredbo o trgih kripto sredstev, znano kot MiCA. V svojem&nbsp;<a href=\"https:\/\/eba.europa.eu\/publications-and-media\/press-releases\/eba-identifies-priorities-review-mica\" target=\"_blank\" rel=\"noopener\" title=\"\">mnenju, objavljenem 24. septembra<\/a>&nbsp;, je EBA izrecno navedla, da bi morala uredba obravnavati tudi situacije, ko ponudniki storitev kripto sredstev omogo\u010dajo strankam dostop do decentraliziranih posojilnih protokolov DeFi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ne gre \u0161e za sprejeto spremembo evropskega prava. Mnenje EBA je del teko\u010dega pregleda MiCA in regulator priporo\u010da Evropski komisiji, naj oceni, kako naj bi izgledala morebitna pravila za posojanje in izposojanje kripto sredstev.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vsebina \u010dlanka \u2013 Kripto posojila: <\/h2>\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-mica-kryptopujcky-zatim-primo-neupravuje-6\">MiCA kripto posojil za zdaj ne ureja neposredno<\/a><ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-ne-spreglejte-top-10-kriptovalut-pod-1-dolarjem-11\">Ne spreglejte: Top 10 kriptovalut pod 1 dolarjem<\/a><\/li><\/ul><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-kryptopujcky-uz-funguji-napric-evropou-13\">Kripto posojila \u017ee delujejo po vsej Evropi<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-vynos-z-kryptomen-muze-skryvat-dalsi-rizika-17\">Donos od kriptovalut lahko skriva dodatna tveganja<\/a><ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-ne-zamudite-mica-zacenja-zares-spreminjati-kripto-trg-21\">Ne zamudite: MiCA za\u010denja zares spreminjati kripto trg<\/a><\/li><\/ul><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-ve-hre-jsou-prisnejsi-pravidla-pro-poskytovatele-23\">Na vidiku so stro\u017eja pravila za ponudnike<\/a><ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-preberite-tudi-ocena-anycoin-27\">Preberite tudi: Ocena Anycoin<\/a><\/li><\/ul><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-stablecoiny-jsou-dalsi-casti-problemu-30\">Stabilni kovanci so dodaten del problema<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-mica-nemusi-byt-konecnou-podobou-evropske-kryptoregulace-35\">MiCA morda ni kon\u010dna oblika evropske kripto regulacije<\/a><ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-morda-vam-bo-vsec-ocena-crypto4me-38\">Morda vam bo v\u0161e\u010d: ocena crypto4me<\/a><\/li><\/ul><\/li><\/ul><\/div>\n\n\n<h2 id=\"aioseo-mica-kryptopujcky-zatim-primo-neupravuje-6\" class=\"wp-block-heading\">MiCA kripto posojil za zdaj ne ureja neposredno<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">MiCA je postopoma za\u010dela veljati leta 2024 in dolo\u010dila skupna pravila na primer za kripto borze, hrambo kripto sredstev ali izdajanje nekaterih vrst <a href=\"https:\/\/crypto-globe.com\/sl\/deutsche-bank-se-usmerja-h-kriptovalutam-strankam-zeli-hraniti-bitcoin-ethereum-in-stabilne-kovance\/\" target=\"_blank\" rel=\"noopener\" title=\"\">stabilnih kovancev<\/a>. Vendar pa posojanje in izposojanje kriptovalut trenutni okvir izrecno ne pokriva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To izhaja neposredno iz skupne&nbsp;<a href=\"https:\/\/www.esma.europa.eu\/sites\/default\/files\/2025-01\/ESMA75-453128700-1391_Joint_Report_on_recent_developments_in_crypto-assets__Art_142_MiCA_.pdf\" target=\"_blank\" rel=\"noopener\" title=\"\">analize EBA in Evropskega organa za vrednostne papirje in trge (ESMA)<\/a>. Po njenih navedbah MiCA ne ureja posojanja in izposojanja kripto sredstev, vklju\u010dno z \u017eetoni elektronskega denarja. Nekatere specifi\u010dne storitve pa lahko spadajo pod obstoje\u010do nacionalno finan\u010dno zakonodajo posameznih dr\u017eav.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S tem je evropska zakonodaja ra\u010dunala \u017ee ob nastanku MiCA. \u010clen 142 <a href=\"https:\/\/www.esma.europa.eu\/publications-and-data\/interactive-single-rulebook\/mica\/article-142-report-latest-developments\" target=\"_blank\" rel=\"noopener\" title=\"\">zahteva<\/a>, da Evropska komisija med drugim oceni&nbsp;potrebo in izvedljivost regulacije posojanja in izposojanja kripto sredstev&nbsp;ter ustrezno regulativno obravnavo decentraliziranih financ.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V praksi lahko kripto posojilo deluje na primer tako, da vlagatelj zagotovi svoje <a href=\"https:\/\/crypto-globe.com\/sl\/ali-bi-lahko-kvantni-racunalniki-nekoc-ukradli-vase-kriptovalute-ethereum-se-ze-pripravlja-na-dan-ko-danasnja-varnost-ne-bo-vec-zadostovala\/\" target=\"_blank\" rel=\"noopener\" title=\"\">kriptovalute<\/a> platformi ali drugemu uporabniku in v zameno prejme obresti ali drug donos. Po drugi strani pa lahko uporabnik vlo\u017ei kriptovalute kot zastavo in proti njim si izposodi dodatna kripto sredstva ali finan\u010dna sredstva.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-ne-spreglejte-top-10-kriptovalut-pod-1-dolarjem-11\">Ne spreglejte: <a href=\"https:\/\/crypto-globe.com\/sl\/top-10-kriptovalut-pod-1-dolar-kateri-poceni-zetoni-so-vredni-pozornosti\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Top 10 kriptovalut pod 1 dolarjem<\/a><\/h3>\n\n\n\n<h2 id=\"aioseo-kryptopujcky-uz-funguji-napric-evropou-13\" class=\"wp-block-heading\">Kripto posojila \u017ee delujejo po vsej Evropi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne gre za obrobno storitev, ki obstaja le na nekaj specializiranih platformah. Skupno&nbsp;<a href=\"https:\/\/www.esma.europa.eu\/sites\/default\/files\/2025-01\/ESMA75-453128700-1391_Joint_Report_on_recent_developments_in_crypto-assets__Art_142_MiCA_.pdf\" target=\"_blank\" rel=\"noopener\" title=\"\">poro\u010dilo EBA in ESMA<\/a>&nbsp;je pokazalo, da so regulatorji identificirali ponudnike kripto posojil ali izposojanja kripto sredstev v najmanj 16 evropskih jurisdikcijah.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Del podjetij poleg tega ponuja te produkte skupaj z drugimi kripto storitvami, kot so menjava ali upravljanje digitalnih sredstev. Meja med klasi\u010dno kripto borzo, ponudnikom finan\u010dnih storitev in posrednikom, ki omogo\u010da dostop do DeFi, se tako postopoma zabrisuje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropski regulatorji hkrati <a href=\"https:\/\/www.esma.europa.eu\/sites\/default\/files\/2025-01\/ESMA75-453128700-1391_Joint_Report_on_recent_developments_in_crypto-assets__Art_142_MiCA_.pdf\" target=\"_blank\" rel=\"noopener\" title=\"\">opozarjajo<\/a>, da uporabniki morda ne prejemajo vedno dovolj razumljivih informacij na primer o provizijah, donosih, spremembah zahtev za zavarovanje ali o tem, kaj se bo zgodilo z njihovimi sredstvi v primeru spora ali insolventnosti ponudnika.&nbsp;<\/p>\n\n\n\n<h2 id=\"aioseo-vynos-z-kryptomen-muze-skryvat-dalsi-rizika-17\" class=\"wp-block-heading\">Donos od kriptovalut lahko skriva dodatna tveganja<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prav varovanje strank je eden glavnih razlogov, zakaj EBA priporo\u010da ponovno oceno sedanjih pravil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na prvi pogled lahko nekateri produkti spominjajo na klasi\u010dno obrestovanje denarja. Vlagatelj zagotovi stabilne kovance ali druge kriptovalute in za njihovo izposojo prejme donos. Mehanizem v ozadju pa je lahko bistveno bolj zapleten kot pri obi\u010dajnem ban\u010dnem produktu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Skupna analiza EBA in ESMA <a href=\"https:\/\/www.esma.europa.eu\/sites\/default\/files\/2025-01\/ESMA75-453128700-1391_Joint_Report_on_recent_developments_in_crypto-assets__Art_142_MiCA_.pdf\" target=\"_blank\" rel=\"noopener\" title=\"\">opozarja<\/a> med drugim na&nbsp;visok finan\u010dni vzvod, informacijsko asimetrijo ali tveganja, ki nastanejo pri ve\u010dkratni uporabi istega zavarovanja. Povezava posameznih posojil in zastav lahko v primeru znatnega padca trga privede do verige prisilnih likvidacij in prena\u0161a te\u017eave med posameznimi deli trga.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Velikost evropskega trga je v primerjavi s tradicionalnim ban\u010dni\u0161tvom \u0161e vedno razmeroma majhna. EBA in ESMA sta v svoji analizi ocenjevali vrednost evropskega trga decentraliziranega posojanja in izposojanja kripto sredstev na pribli\u017eno&nbsp;1,8 milijarde evrov. Avtorji pa so sami opozarjali, da je natan\u010dno merjenje DeFi aktivnosti zaradi globalnega in psevdonimnega zna\u010daja blockchaina te\u017eavno.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-ne-zamudite-mica-zacenja-zares-spreminjati-kripto-trg-21\">Ne zamudite: <a href=\"https:\/\/crypto-globe.com\/sl\/mica-zares-spreminja-kriptotrg-nova-studija-kaze-prehod-od-usdt-k-usdc\/\" target=\"_blank\" rel=\"noopener\" title=\"\">MiCA za\u010denja zares spreminjati kripto trg<\/a><\/h3>\n\n\n\n<h2 id=\"aioseo-ve-hre-jsou-prisnejsi-pravidla-pro-poskytovatele-23\" class=\"wp-block-heading\">Na vidiku so stro\u017eja pravila za ponudnike<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u010ce bi Evropska komisija sledila priporo\u010dilom EBA, bi \u0161ele nadaljnji zakonodajni postopek dolo\u010dil kon\u010dno obliko morebitne regulacije.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EBA v svojem aktualnem <a href=\"https:\/\/eba.europa.eu\/publications-and-media\/press-releases\/eba-identifies-priorities-review-mica\" target=\"_blank\" rel=\"noopener\" title=\"\">dokumentu za pregled MiCA<\/a> zahteva, da Evropska komisija preu\u010di regulacijo kripto posojil ne le pri centraliziranih ponudnikih, temve\u010d tudi tam, kjer regulirane kriptoplatforme strankam omogo\u010dajo dostop do decentraliziranih posojilnih protokolov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To je pomembno predvsem zaradi preoblikovanja samega <a href=\"https:\/\/crypto-globe.com\/sl\/mica-je-sele-zacetek-eu-si-zdaj-zeli-priti-do-koze-defi-stakingu-in-nft\/\" target=\"_blank\" rel=\"noopener\" title=\"\">DeFi<\/a> trga. Dostop do decentraliziranih protokolov je prej pogosto zahteval lastno kripto denarnico in vsaj osnovno tehni\u010dno znanje o blockchainu. Danes lahko iste izdelke strankam ponudijo uporabni\u0161ko bistveno enostavnej\u0161e storitve ali centralizirane platforme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za povpre\u010dnega vlagatelja potem morda na prvi pogled ni jasno, ali uporablja regulirano storitev same platforme ali pa le prek njenega vmesnika vstopa v decentraliziran protokol, za katerega se enaka raven za\u0161\u010dite morda ne uporablja.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-preberite-tudi-ocena-anycoin-27\">Preberite tudi: <a href=\"https:\/\/crypto-globe.com\/sl\/anycoin-ceski-pionir-v-digitalnem-financnem-svetu\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Ocena Anycoin<\/a><\/h3>\n\n\n\n<h2 id=\"aioseo-stablecoiny-jsou-dalsi-casti-problemu-30\" class=\"wp-block-heading\">Stabilni kovanci so dodaten del problema<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debata se tesno dotika tudi stabilnih kovancev. EBA navaja, da stabilni kovanci igrajo pomembno vlogo pri posojanju in izposojanju kripto sredstev. Hkrati opozarja na morebitni problem regulativne arbitra\u017ee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">MiCA namre\u010d pri \u017eetonih elektronskega denarja prepoveduje izdajateljem in ponudnikom kripto storitev ponujati imetnikom obresti neposredno za imetni\u0161tvo \u017eetona. \u010ce pa uporabnik stabilni kovanec nato ponudi prek posojilnega produkta in za\u010dne zanj prejemati donos, je lahko ekonomski rezultat do dolo\u010dene mere podoben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stabilni kovanci se poleg tega znajdejo v sredi\u0161\u010du \u0161ir\u0161e razprave o spremembah MiCA. Evropska centralna banka in nacionalne centralne banke so ta teden po poro\u010danju <a href=\"https:\/\/www.reuters.com\/business\/finance\/ecb-eu-central-banks-oppose-stablecoin-bank-deposit-rule-2026-09-22\/\" target=\"_blank\" rel=\"noopener\" title=\"\">agencije Reuters<\/a> priporo\u010dile spremembo trenutnega pravila, ki izdajateljem nalaga, da del rezerv hranijo v obliki ban\u010dnih depozitov. Po njihovem mnenju bi lahko sedanja ureditev v nekaterih situacijah ustvarila tveganja za same banke.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EBA hkrati navaja, da je bilo do 1. septembra 2026 po MiCA <a href=\"https:\/\/eba.europa.eu\/publications-and-media\/press-releases\/eba-identifies-priorities-review-mica\" target=\"_blank\" rel=\"noopener\" title=\"\">izdanih<\/a> 39 \u017eetonov elektronskega denarja (EMT), medtem ko noben \u017eeton, vezan na sredstva (ART), \u0161e ni bil avtoriziran.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/EU543567-1024x683.jpeg\" alt=\"Kripto posojila, EU, MiCA\" class=\"wp-image-66070\" srcset=\"https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/EU543567-1024x683.jpeg 1024w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/EU543567-300x200.jpeg 300w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/EU543567-768x512.jpeg 768w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/EU543567-150x100.jpeg 150w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/EU543567-696x464.jpeg 696w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/EU543567-1068x712.jpeg 1068w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/EU543567.jpeg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 id=\"aioseo-mica-nemusi-byt-konecnou-podobou-evropske-kryptoregulace-35\" class=\"wp-block-heading\">MiCA morda ni kon\u010dna oblika evropske kripto regulacije<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Trenutno priporo\u010dilo ka\u017ee, da z uvedbo MiCA evropska razprava o regulaciji kriptovalut ni zaklju\u010dena. Kripto trg se \u0161e naprej hitro spreminja in nastajajo storitve, ki so na meji trenutnih pravil ali pa se nahajajo popolnoma izven njih.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Posojanje kriptovalut je eden izmed primerov. Za vlagatelje lahko predstavlja na\u010din za pridobivanje dodatnega donosa iz njihovih kripto sredstev, hkrati pa dodaja \u0161e eno plast tveganja \u2013 od nihanja cene samega sredstva, prek morebitne likvidacije zastave, do te\u017eav ponudnika ali napake decentraliziranega protokola.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropska komisija sedaj ocenjuje pripombe in predloge v okviru pregleda <a href=\"https:\/\/crypto-globe.com\/sl\/ecb-zeli-spremeniti-pravila-mica-za-stabilne-kovance-obvezni-depoziti-v-bankah-po-njenem-mnenju-lahko-ustvarjajo-novo-tveganje\/\" target=\"_blank\" rel=\"noopener\" title=\"\">MiCA<\/a>. \u0160ele nadaljnji koraki bodo pokazali, ali bodo kripto posojila resni\u010dno neposredno pod enotna evropska pravila in kako mo\u010dno bi morebitna sprememba vplivala na kriptoplatforme in njihove stranke.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-morda-vam-bo-vsec-ocena-crypto4me-38\">Morda vam bo v\u0161e\u010d: <a href=\"https:\/\/crypto-globe.com\/sl\/crypto4me-recenzija-regulirana-evropska-platforma-za-enostavno-nakupovanje-kriptovalut\/\" target=\"_blank\" rel=\"noopener\" title=\"\">ocena crypto4me<\/a><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Kripto posojila morda \u010dakajo nova pravila \u2013 evropska regulacija kriptovalut se lahko ponovno raz\u0161iri. Evropski ban\u010dni organ predlaga, da se pravila raz\u0161irijo tudi na posojanje in izposojanje kripto sredstev, ki jih MiCA danes izrecno ne ureja. Regulator opozarja predvsem na tveganja za obi\u010dajne vlagatelje, visoko finan\u010dno vzvod in nara\u0161\u010dajo\u010do povezanost kripto platform z decentraliziranimi financami. [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":66077,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[178,15],"tags":[18,93,1189,1480,444,1195,1486,16,551,627],"class_list":["post-66089","post","type-post","status-publish","format-standard","has-post-thumbnail","category-kriptovalute","category-kryptomeny","tag-bitcoin","tag-cryptocurrencies","tag-defi","tag-eba","tag-eu","tag-kriptoposojila-sl","tag-kryptomeny","tag-mica"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Kriptoposojila. Kripto posojila morda \u010dakajo nova pravila \u2013 evropska regulacija kriptovalut se lahko ponovno raz\u0161iri. 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