The European Parliament’s economic affairs committee wants Brussels to decide whether crypto lending, staking, and decentralized finance need their own set of rules. A nonbinding report, approved Friday, lays out the committee’s wish list. It is not law.
But it is a signal. The document, drafted by Belgian MEP Johan Van Overtveldt, warns that if EU member states start writing their own national rules for these activities, the single market for digital assets could fracture.
That is the concrete risk. Fragmentation. Under the bloc’s Markets in Crypto-Assets Regulation, or MiCA, a framework already exists.
But new activities—DeFi, staking, NFT lending—push outside its boundaries. The committee says national divergences are a threat.
The report calls that out directly. The committee also asks the European Commission to promote tokenization across financial services. And to encourage development of euro-denominated stablecoins.
These are not requests that carry legal force. But they set a political direction. The Commission, when it considers the next phase of crypto oversight, will have this text in front of it.
The timeline is short. The report goes to a plenary vote on July 6.
If adopted, it becomes Parliament’s official position on digital assets policy. That matters. Not because it changes MiCA—it does not—but because it tells the Commission what Parliament expects.
And the Commission is the body that proposes new rules. What is at stake is the shape of the next regulatory phase.
MiCA covers some crypto activities. But lending and borrowing, staking, NFTs, and DeFi are not fully inside that tent. The report urges the Commission to assess whether they should be brought under MiCA’s umbrella.
That assessment could lead to new legislation. Or it could lead to a decision to leave them alone. The report does not decide that.
It only asks for the evaluation. The committee’s own-initiative resolution is a nonbinding document.
That means it is a statement of intent, not a binding instruction. But it is also a political product. It passed through the Committee on Economic and Monetary Affairs.
It carries the weight of that committee’s majority. In the European Parliament, such resolutions are how the institution communicates its priorities.
Van Overtveldt’s text also warns against national rules that deviate from MiCA. That is not a hypothetical worry. Some member states have already floated their own approaches to crypto regulation.
If each country writes its own rules for DeFi or staking, a company operating across borders would face a patchwork. That undermines the single market. The report says harmonization remains essential.
The wider picture is a balancing act. The EU wants to encourage innovation—tokenization, stablecoins—without letting risks run loose.
The committee’s report tries to nudge the Commission toward a careful middle. It says yes to euro-denominated stablecoins. It says yes to tokenization.
It says yes to examining whether new activities need rules. But it does not say yes to a free-for-all.
For now, the report is a piece of paper. But on July 6, it could become Parliament’s formal stance. That would give the Commission a clear mandate.
The next steps will be up to Brussels. Whether they move quickly or slowly, the report has already set the terms of debate. Fragmentation is the enemy.
Harmonization is the goal. The question is how far the rules should stretch.
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