How hard is it to get a crypto license in Europe in 2026?

Getting a Crypto License in Europe in 2026 feels a lot more structured with MiCA, but also heavier in practice. It’s not impossible, just doesn’t look like something you can set up quickly anymore.

Requirements seem stricter overall - more compliance, higher capital expectations, more paperwork, longer timelines. A couple of people actually recommended Fintech Harbor to me for this - they apparently help with getting a Crypto License and handling the compliance side - but I’m still trying to know how much of the process they really take off your plate.

For those who’ve done it recently:
- how long did it actually take from start to approval?
- which country did you choose and why?
- what was the hardest part - compliance, banking, or regulators?
- did you go solo or use a service?
- any unexpected costs or delays?

Curious how difficult it actually is in reality.