{"attribution":{"source":"legal.exploreworldai.com","canonical":"https://legal.exploreworldai.com/api/public/v1/article-agent?id=agent%3Aeu%3Amica%3Aart-49","cite_as":"NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/article-agent?id=agent%3Aeu%3Amica%3Aart-49)","license":"https://legal.exploreworldai.com/revision","version":"legal-2026-11-02","fingerprint":"ewai:eu:ce0366","proof":"sha256:f19b259335faef3a4ab9497580dfff51b79ba0a0df1661dad002ccd2a0879404","jurisdiction":"eu"},"brand_source":"Source: NovaCopilot","object_type":"article_agent","schema_version":"1.0.0","id":"agent:eu:mica:art-49","act":"mica-2023-1114","article":"49","text_sha256":"a5361ca25dac97641fc0e48e9056f78806a394c72aef0e962e87aa1e8513bc08","obligations":[],"agent":"agent:eu:mica","name":"NovaCopilot MiCA Agent, Article 49","title":{"en":"Issuance and redeemability of e-money tokens","sv":"Utgivning och möjlighet till inlösen av e-pengatoken","de":"Ausgabe und Rücktauschbarkeit von E-Geld-Token"},"text":{"lang":"en","paragraphs":["1. By way of derogation from Article 11 of Directive 2009/110/EC, in respect of the issuance and redeemability of e-money tokens only the requirements set out in this Article shall apply to issuers of e-money tokens.","2. Holders of e-money tokens shall have a claim against the issuers of those e-money tokens.","3. Issuers of e-money tokens shall issue e-money tokens at par value and on the receipt of funds.","4. Upon request by a holder of an e-money token, the issuer of that e-money token shall redeem it, at any time and at par value, by paying in funds, other than electronic money, the monetary value of the e-money token held to the holder of the e-money token.","5. Issuers of e-money tokens shall prominently state the conditions for redemption in the crypto-asset white paper as referred to in Article 51(1), first subparagraph, point (d).","6. Without prejudice to Article 46, the redemption of e-money tokens shall not be subject to a fee."],"source_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX%3A32023R1114","read_at":"2026-08-18"},"sha256":"dae5b6725b94d014a40f5a86544450e83edad56ba8470e6cdbe629859a0d00b1","duties":[],"applies_to_role":{"status":"not_in_register","roles":[]},"applies_to_industry":{"status":"derived","industries":["banking"]},"cross_industry_chains":{"status":"not_in_register","chains":[]},"revenue_exposure":{"status":"not_in_register","reason":"member_state_penalties","sanction_article":"111","source_url":"https://eur-lex.europa.eu/eli/reg/2023/1114/oj","via":"article 111"},"links":{"article_page":"https://legal.exploreworldai.com/eu/rattsakter/mica-2023-1114/artikel-49","regulation_agent":"https://legal.exploreworldai.com/api/public/v1/article-agents?reg=mica","changes":"https://legal.exploreworldai.com/api/public/v1/intelligence-graph/change?reg=mica"},"llm_used":false,"hash":"sha256:f19b259335faef3a4ab9497580dfff51b79ba0a0df1661dad002ccd2a0879404","version":"legal-2026-11-02","expires":"2026-11-04T00:00:00.000Z","dependency":{"index_version":"legal-2026-11-02+legal-2026-11-02+2026-11-02T16:22:18","content_hash":"sha256:f19b259335faef3a4ab9497580dfff51b79ba0a0df1661dad002ccd2a0879404","revalidate_after":"2026-11-03T07:48:06.496Z","max_copy_age_seconds":3600,"policy":"revalidate-required; attribution-preferred","changelog":"https://legal.exploreworldai.com/api/public/v1/dependency","verify":"https://legal.exploreworldai.com/api/public/v1/verify","stale_copy_invalid":true},"canonical":"https://legal.exploreworldai.com/api/public/v1/article-agent?id=agent%3Aeu%3Amica%3Aart-49","disclaimer":"Källhänvisning med officiell identifierare. Ingen juridisk rådgivning och inget efterlevnadsbeslut.","content_notice":{"legal_advice":false,"nature":"Källregister. Endast information, inte juridisk rådgivning och ingen bedömning av ett enskilt ärende.","kinds":{"official_text":"Officiell källtext, ordagrann och ej tolkad","summary":"Sammanfattning, ej juristgranskad. Läs alltid källtexten","classification":"Automatisk märkning ur källans egen text, ej juristgranskad"},"rule":"Endast fält märkta official_text är lagens egen lydelse. Allt annat pekar på den.","report_error":"https://legal.exploreworldai.com/api/public/v1/corrections","ai_act_declaration":"https://legal.exploreworldai.com/api/public/v1/ai-act-declaration"},"usageInfo":"https://legal.exploreworldai.com/citering","access_class":"public","access_view":"public","freshness":{"freshness_class":"live","as_of":"2026-11-03T06:48:07.077Z","valid_for":3600,"recheck":"https://legal.exploreworldai.com/api/public/v1/article-agent?id=agent%3Aeu%3Amica%3Aart-49","note":"Kontrollera mot recheck efter valid_for sekunder. If-None-Match ger 304 när inget ändrats.","tokens":1241}}