Gate Technology Ltd, the Malta-based subsidiary of the leading cryptocurrency exchange Gate.io, has officially secured a **Payment Institution (PI) license** under the European Union's **Second Payment Services Directive (PSD2)** from the **Malta Financial Services Authority (MFSA)**. The milestone was announced on **February 26, 2026**, positioning Gate as one of the few crypto-native companies in Europe to achieve this level of regulatory approval.

What the PSD2 License Means
The PSD2 framework regulates payment services across the EU, enabling licensed entities to offer services such as electronic money transfers, payment account management, and execution of payment transactions. For Gate, this license complements its previously obtained full **MiCA (Markets in Crypto-Assets)** license in Malta, which already authorizes exchange and custody services.

Key benefits include:
- **Passporting rights** — Gate can now expand its regulated payment services across all 27 EU member states without needing separate approvals in each country.
- Strengthened integration of fiat and stablecoin payments, creating a seamless bridge between traditional finance (TradFi) and Web3.
- Enhanced support for compliant stablecoin infrastructure, allowing faster, more secure on-ramps/off-ramps and everyday digital asset usage within the EU.

This dual licensing (MiCA + PSD2) gives Gate a powerful regulatory foundation in one of Europe's most crypto-friendly jurisdictions—Malta—while aligning with the bloc's broader push for transparent and secure digital finance.

Executive Commentary
Giovanni Cunti, CEO of Gate Technology Ltd, stated:

> "We are proud to have secured this Payment Institution license. It positions Gate to build a secure, scalable bridge between traditional finance and Web3, delivering compliant payment solutions to clients across Europe. This accomplishment is the result of our team's dedication and marks a critical step in aligning with MiCA's regulatory framework."

He emphasized that the license provides regulatory certainty and protection for both institutional and retail users in Europe's evolving digital asset market.

Broader Strategic Context
Gate's move is part of a wider global compliance strategy. The company holds licenses or authorizations in multiple jurisdictions, including Cyprus, the Bahamas, Japan, Australia, and Dubai. Malta has proven to be a strategic European hub due to its forward-looking yet rigorous regulatory environment.

By combining PSD2 payment capabilities with MiCA-compliant exchange and custody services, Gate is well-positioned to:
- Accelerate the mainstream adoption of stablecoins for real-world payments.
- Offer institutional-grade, transparent services that meet traditional finance standards.
- Compete more effectively in the rapidly maturing European crypto landscape.

Implications for the Crypto Industry
This development highlights the ongoing maturation of the cryptocurrency sector. As major platforms secure banking-like licenses, the line between crypto exchanges and traditional financial institutions continues to blur. For users, it translates to greater trust, security, and accessibility—especially in cross-border and stablecoin-based transactions.

Gate's achievement reinforces a clear message: regulatory compliance is no longer optional but a competitive advantage in building long-term, scalable Web3 infrastructure. With stablecoin usage poised for explosive growth in Europe under the MiCA framework, Gate is placing itself at the forefront of this transformation.

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