---
title: "MiCA EMT/ART Reserve Compliance Calculator"
method: POST
path: "/v1/tools/calculate_mica_emt_reserve_compliance"
tags: ["MiCA", "EMT", "ART", "reserve", "crypto", "DLT", "EBA", "Art.36", "tokenization", "stablecoin", "EU"]
---

# MiCA EMT/ART Reserve Compliance Calculator

`POST /v1/tools/calculate_mica_emt_reserve_compliance`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/calculate_mica_emt_reserve_compliance`
- Auth: none declared

Calculate reserve composition compliance for e-money token (EMT) and asset-referenced token (ART) issuers under MiCA Article 36. Models the mandatory bank deposit floor (30% base, 60% for EBA-significant EMTs), permitted liquid sovereign instrument allocation, and reserve adequacy ratio.

**Tool URL:** https://ainumbers.co/tools/346-mica-emt-reserve-compliance-calculator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `token_type` string, required
  - `reserve_total_eur_m` number, required
  - `eba_significant` boolean, required
  - `deposit_pct` number, required
  - `sovereign_pct` number, required
  - `other_pct` number, required

## Response `200`

Successful tool execution result

- object
  - `overall_status` 'COMPLIANT' | 'NON-COMPLIANT' | 'REVIEW'
  - `deposit_floor_required_pct` number
  - `deposit_gap_pct` number
  - `reserve_adequacy_ratio` number
  - `reallocation_needed_eur_m` number

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)