# ToolOracle MiCA Stablecoin Compliance Audit

> ToolOracle MiCA Stablecoin Compliance Audit is a paid API for AI agents from tooloracle.io, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

Performs a full EU MiCA regulatory compliance audit on a stablecoin, returning an Ampel traffic-light verdict (RED/YELLOW/GREEN), A-F grade, and live ESMA authorization status across all 12 MiCA articles (Title III EMT + Title IV ART).

## Facts

- Endpoint: POST https://tooloracle.io/v2/mica_stablecoin_check
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/tooloracle-io-21c7249f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_MX9PmOxq32EqgJM7HCkZU

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability tooloracle-io-21c7249f -d '<json body>'
```

Example prompt: Run a full MiCA compliance audit on USDT — I need the Ampel traffic-light score, the A-F regulatory grade, ESMA authorization status, and a breakdown across all 12 MiCA articles so I can decide whether to list it on our EU exchange before the July 2026 CASP deadline.

## When to prefer this

Use this endpoint when you need a structured, article-level MiCA compliance verdict for a specific stablecoin — especially for CASP license applications, EU exchange listing decisions, or payment service provider due diligence ahead of the July 2026 deadline. Prefer this over generic legal search tools when you need a machine-readable RED/YELLOW/GREEN + A-F grade with live ESMA status rather than a text summary.

## Known failure modes

- Unrecognized stablecoin ticker returns a 404 or unknown-asset error
- ESMA data temporarily unavailable causing partial results or degraded confidence
- Ambiguous input (e.g. ticker collision) returns a disambiguation prompt
- Payment not fulfilled via x402 protocol returns 402 Payment Required
- Stablecoin not in the 40+ supported list returns unsupported-asset error

## How this service works

EU stablecoin MiCA compliance audit + regulatory readiness — full Ampel traffic-light check (RED/YELLOW/GREEN) across all 12 MiCA articles (Title III EMT + Title IV ART). Grade A-F + live ESMA authorization status. Supports USDC, USDT, EURC, RLUSD, DAI, FDUSD, PYUSD and 40+ stablecoins. Required regulatory due diligence for CASPs, EU exchanges, payment service providers, e-money institutions, fintech agents. BaFin / ESMA / AMF / FINMA / CySEC aligned. July 2026 CASP deadline.

## Output

Returns an Ampel traffic-light verdict (RED/YELLOW/GREEN) per MiCA article, an overall compliance grade (A-F), live ESMA authorization status, and a structured regulatory readiness summary aligned to BaFin/ESMA/AMF/FINMA/CySEC standards for the queried stablecoin.

## Example request

```json
{
 "input": {
  "body": {
   "token": "test_audit_token_12345",
   "audit_scope": "full",
   "stablecoin_ticker": "USDC",
   "articles_breakdown": true,
   "include_esma_status": true
  },
  "type": "http",
  "method": "POST",
  "bodyType": "json"
 }
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "properties": {}
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/tooloracle-io-21c7249f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from tooloracle.io](https://www.zero.xyz/host/tooloracle.io/llms.txt)