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MiCA 2026 – market abuse, suspicious orders and STOR reporting | Word/PDF/Excel
MiCA 2026 – market abuse, suspicious orders and STOR reporting | Word/PDF/Excel
- File format
- DOCX, PDF, XLSX
- Document language
- Five Swedish workbooks + Swedish guide an English User Guide for the Swedish workbooks and a Swedish Excel workbook
- Number of files
- 7
Digital download. No physical product is shipped.
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About this template
Has your crypto business detected a suspicious order, order cancellation, transaction, or DLT event? Under MiCA, those who professionally arrange or execute transactions in crypto-assets may be required to have systems to detect market abuse and report reasonable suspicion without delay via a Suspicious Transaction and Order Report (STOR).
This niche package for Swedish crypto-asset service providers (CASPs), market monitors, compliance functions, and trading platforms provides a traceable workflow – from technical alert to human investigation, STOR preparation, reporting receipt, and retesting. The package does not send reports to the Swedish Financial Supervisory Authority and is not a monitoring service.
Package Contents
Five Swedish work templates: 01 Application and market monitoring, 02 alert investigation and human analysis, 03 STOR preparation according to the official EU annex, 04 reporting decision, confidentiality, and receipt, and 05 monitoring test, order book replay, and actions. Additionally, 06 Swedish user guide, 07 English User Guide, and 08 Excel register with nine tabs. All seven documents are delivered as editable Word (DOCX) and searchable PDF. Total of 15 customer files: 7 Word + 7 PDF + 1 Excel.
What the Files Contain
MiCA Article 86/92, correct actor and crypto-asset, order lifecycle including modification and cancellation, on- and off-chain monitoring, relevant DLT and consensus conditions, alert threshold, objective grounds for suspicion, independent human review, reconciliation against the six sections of the STOR annex, reporting time in UTC, documentation evidence, confidentiality, test and action register. The Excel file stores only anonymized case IDs and statuses – not identities, wallet addresses, or raw transaction data.
How the Eight File Types Are Used
| File | Practical Function | Format/Language |
|---|---|---|
| 01 Application and Market Monitoring | Check if the token/activity is covered by MiCA Title VI and if the actor professionally arranges or executes crypto transactions. Inventory the monitoring. | Swedish DOCX + PDF |
| 02 Alert Investigation | Review suspicious order patterns, modifications, and DLT behaviors against objective data and document whether reasonable suspicion has arisen. | Swedish DOCX + PDF |
| 03 STOR Preparation | Check all mandatory sections 1–4 in the annex to (EU) 2025/885, as well as additional information and annexes in sections 5–6. | Swedish DOCX + PDF |
| 04 Reporting and Confidentiality | Record when the suspicion arose, the correct competent authority, verified electronic channel, when the report was sent, and any supplements. | Swedish DOCX + PDF |
| 05 Control Test and Actions | Test monitoring of the entire order lifecycle, synthetic replay, DLT events, human analysis, and handling of control errors. | Swedish DOCX + PDF |
| 06 Swedish User Guide | Workflow, the difference between alert and STOR, six examples, boundaries, and sources. | Swedish DOCX + PDF |
| 07 English User Guide | English-language guidance explaining the Swedish operational templates and workbook. The work templates are not translated. | English DOCX + PDF |
| 08 MiCA Excel Register | Nine tabs, manual status fields, eight summary indicators, and secure references to internal evidence. | Swedish XLSX |
Excel with Nine Tabs and Eight Warning Indicators
System, Order Alert, Analysis, STOR Draft, Reporting, Tests, Actions, Overview, Read Me. The indicators show registered systems, open alerts, cases with reasonable suspicion, incomplete STOR documentation, reports not yet sent, lack of human review, failed tests, and blocked/delayed actions.
The formulas have been tested with synthetic cases and then cleared; the delivered Excel file has been reopened and checked. Zero in an empty overview does not mean that the business complies with MiCA. The register does not pull real trading data or send any STOR.
Legal Basis – What Does MiCA 2026 Say?
Application: MiCA Regulation (EU) 2023/1114 has generally been in effect since December 30, 2024. Title VI, particularly Article 86, concerns crypto-assets that have been admitted to trading or for which admission to trading has been requested. Behaviors concerning such assets may also be covered even if a specific order or transaction is executed outside the trading venue.
Article 92: persons who professionally arrange or execute transactions in crypto-assets shall have effective arrangements, systems, and procedures to prevent and detect market abuse. They shall report reasonable suspicion without delay regarding a relevant order, transaction, cancellation, modification, or DLT behavior to the competent authority according to the rules for home and branch. Read ESMA's Article 92.
EU 2025/885: the Commission Delegated Regulation (EU) 2025/885 was published on August 20, 2025. Articles 2–3 specify monitoring systems, alerts, the order book, and appropriate human analysis. Articles 5–6 regulate STOR reporting, electronic submission to the correct supervisory authority, and reporting without delay once reasonable suspicion has arisen.
Official STOR Annex: EU 2025/885 contains a standard template with six sections. Sections 1–4 are mandatory; when a mandatory field cannot be provided, NA is entered with a brief explanation. Sections 5–6 concern additions and supporting materials. Our document 03 is an internal preparation checklist and does not replace the official annex. Identifying information of data subjects may only be handled in a permission-protected reporting environment, with data minimization according to GDPR.
An alert is not automatically a report: an internal monitoring alert is not the same as reasonable suspicion. The review must be objective and prompt. Once the reporting threshold is met, the report must not be delayed just to collect additional events. If the suspicion arises later, the timeline must be explainable.
Reporting channel: always verify the Swedish supervisory authority's current electronic channel and, for relevant foreign branches, the competent authority according to Article 92. The product intentionally specifies no unverified email address or portal.
How You Use the Package
- Test whether the organization's business and the relevant crypto-asset are covered.
- Identify how orders, transactions, cancellations, and relevant DLT conditions are monitored.
- Record an anonymized alert ID and test objective facts with a competent analyst.
- If reasonable suspicion arises: document the time and immediately prepare the report according to the official STOR annex.
- Verify the correct competent authority and the designated electronic transmission route, and save receipts securely.
- Perform a separate data protection and confidentiality review of the identities and evidence involved.
- Follow up on monitoring deficiencies with synthetic tests and registered actions in Excel.
Frequently Asked Questions
Is Every Warning from the Trading Platform a STOR?
No. A quick, fact-based human analysis is required to determine whether reasonable suspicion of market abuse exists.
Which Orders May Need to Be Reported?
The regulation covers, where relevant, orders, transactions, modifications, cancellations, and suspicious DLT conditions, even when parts of the activity occur outside a trading venue.
Can I Fill Out Word and Email It Directly to the Swedish Financial Supervisory Authority?
Document 03 is an internal reconciliation template, not an official STOR form. Use the EU's official annex and the electronic channel designated by the competent authority.
Do We Have to Wait Until the Suspicion Is Fully Proven?
No. The obligation applies upon reasonable suspicion, and reporting must be done without delay. It is not required that market abuse has already been proven.
What Is the Difference Between STOR and Anti-Money Laundering Reporting?
STOR under MiCA concerns suspected market abuse. Anti-money laundering reports and Travel Rule information have different purposes, legal requirements, and reporting channels.
Can Excel Automatically Analyze Actual Market Orders?
No. It is a manual, anonymized risk and case register, not a trade monitoring system.
Does the Package Include English Work Templates?
The five work templates and Excel are in Swedish. An English user guide describes how the workflow is used.
Are the PDF Files Digitally Fillable?
No. They are searchable and printable. Use the DOCX and XLSX originals for editing.
Related Products
Crypto Transfers – EU Travel Rule covers information requirements for crypto transfers. AML/KYC and Anti-Money Laundering covers customer due diligence and other AML controls. This product specifically addresses MiCA's STOR requirements for suspected market abuse.
Version and Review Level
Version 1.0 · November 12, 2026 · Sweden/EU. AI-assisted legal source review of MiCA, RTS (EU) 2025/885, and ESMA's official article text. No independent external legal review, review of real orders, technical market monitoring, submission to authorities, permission/personal data assessment, or regulatory certification has been performed. The package contains no real customer or transaction data. Adapt the actual routine with the competent compliance function and verify the reporting channel before use. The product is delivered as a Shopify DRAFT without a connection to Digital Products.
