Five realistic scenarios that combine everything in the season: suitability, stablecoins, transfer mistakes, inside information and self-hosted wallets.
Case 1: The retiree and the new token
- A retired client wants 40% of their savings in a newly launched token they saw online.
- Walk through the suitability assessment: objectives, ability to bear losses, understanding of risk.
- Outcome: not suitable. Say no, explain why in writing, and record it.
Case 3: The wrong network
- A client sent funds to the right address on the wrong network.
- Explain what can and cannot be recovered, and who, if anyone, controls the destination.
- Prevention: test transfers and network checks as standard practice.
Case 4: The early listing tip
- A colleague mentions an upcoming listing before it is public.
- That is potential inside information: do not trade and do not pass it on.
- Escalate to compliance.
Case 5: Moving to a self-hosted wallet
- A client wants to move EUR 5,000 of crypto-assets to their own wallet.
- Above EUR 1,000, check that the client owns or controls the wallet, and collect the travel-rule information.
- Explain self-custody risk before releasing the transfer.
Key takeaways
- Suitability decides, not client enthusiasm.
- Check the authorisation and reserve before discussing any stablecoin.
- When in doubt, escalate and record.
Sources
Educational content only, not legal, tax or investment advice. Based on Regulation (EU) 2023/1114 (MiCA) and related EU texts as of September 2026. Check the official texts before relying on anything here.