🚨 UK CRYPTO APPS: THE ALGORITHM ERA JUST GOT REGULATED
The FCA just dropped draft guidance (CP26-36, 21 Oct 2026) and it changes the game 👇
🧠 If your app's algorithm picks the trading venue or execution route — based on price, liquidity, cost or speed — you may now be "arranging crypto transactions."
📜 Translation: you may need FCA authorization.
⚠️ "It's automated" is NOT a defence. Builders and operators both stay in scope.
✅ Exception: interfaces that simply pass instructions through, without influencing execution, may qualify for the technical-services exemption.
📅 Key dates: • Regime goes live — 25 Oct 2027 • Transitional applications — 30 Sep 2026 → 28 Feb 2027 • Consultation closes — 18 Nov 2026 • Final guidance targeted — Jan 2027 (paper says spring 👀)
💡 Big takeaway: silence isn't neutrality anymore. If code makes the choice, the code makes you regulated.
⚠️ Draft only — not final rules yet.
#UKAlgorithmicCryptoTradingAppsMayNeedFCAAuthorizat
$BTC $ETH $SOL
The FCA just dropped draft guidance (CP26-36, 21 Oct 2026) and it changes the game 👇
🧠 If your app's algorithm picks the trading venue or execution route — based on price, liquidity, cost or speed — you may now be "arranging crypto transactions."
📜 Translation: you may need FCA authorization.
⚠️ "It's automated" is NOT a defence. Builders and operators both stay in scope.
✅ Exception: interfaces that simply pass instructions through, without influencing execution, may qualify for the technical-services exemption.
📅 Key dates: • Regime goes live — 25 Oct 2027 • Transitional applications — 30 Sep 2026 → 28 Feb 2027 • Consultation closes — 18 Nov 2026 • Final guidance targeted — Jan 2027 (paper says spring 👀)
💡 Big takeaway: silence isn't neutrality anymore. If code makes the choice, the code makes you regulated.
⚠️ Draft only — not final rules yet.
#UKAlgorithmicCryptoTradingAppsMayNeedFCAAuthorizat
$BTC $ETH $SOL