=== MICA SUBSCRIBER AUDIT — SAMPLE-001 ===
Asset type: Landing-page hero block (fictional exchange, written by NorthPoint)
Submitted: 2026-07-27T09:12:00Z
Jurisdictions: EU general
Pack: MiCA marketing self-audit — 40 rules
ASSET UNDER AUDIT
H1: "Earn up to 12% APY on your idle crypto."
Sub: "Europe's best rates, with no lock-up."
CTA: [ Create account ]
Footer: "Crypto-assets are highly volatile and your capital is at risk." (10px, grey)
VERDICT: 1 FAIL · 3 FLAG · 36 PASS — DO NOT SHIP
❌ Rule 10 — Substantiation for numerical claims
Citation: Article 88(1) + ESMA guidance on advertising of investment services
Triggered text: "Earn up to 12% APY on your idle crypto."
Issue: The headline number carries the entire offer but is undated,
unsourced and has no stated methodology, so a consumer cannot
verify it.
Suggested rewrite: "Earn a variable rate — 12% APY on [asset] as of 27 July 2026,
per our published rate schedule. Rates change daily."
⚠ Rule 11 — No emphasis on potential gains without potential losses
Citation: Article 88(1) + ESMA guidance — balanced presentation
Triggered text: "Earn up to 12% APY" / footer: "...your capital is at risk."
Issue: The gain sits in the hero; the only loss language is a 10px
footer line, so the block that does the selling is unbalanced.
Suggested action: Carry the loss into the same sentence as the gain.
⚠ Rule 6 — Risk warning prominence
Citation: Article 88(1) + ESMA Guidelines on Marketing Communications
Triggered text: "Crypto-assets are highly volatile and your capital is at risk."
Issue: The warning is substantive (Rule 1 passes) but sits footer-only,
at a weight far below the hero claim it is meant to qualify.
Suggested action: Move it into the same viewport as the H1 and CTA, at body-copy
weight; drop the footer duplicate once moved.
⚠ Rule 3 — Unsubstantiated superlatives
Citation: Article 88(1) — fair, clear, not misleading
Triggered text: "Europe's best rates"
Issue: A comparative claim with no source, no date and no comparison set.
Suggested action: Remove it, or replace with a dated, sourced comparison.
✓ Rules 1, 2, 4, 5, 7–9, 12–40 — passed or not applicable to this asset.
OPERATOR'S READ:
This is fixable in one pass. The highest-impact single change is moving the risk line
into the hero and attaching it to the yield claim — that addresses Rule 6 and Rule 11
together. The 12% number is the one thing that must not ship undated.
AUDIT-HISTORY ROW (JSON):
{
"asset_id": "SAMPLE-001",
"submitted_at": "2026-07-27T09:12:00Z",
"asset_type": "landing_page_hero",
"verdict": "FAIL",
"fail_count": 1,
"flag_count": 3,
"pass_count": 36,
"triggered_rules": [
{"id": 10, "severity": "FAIL"},
{"id": 11, "severity": "FLAG"},
{"id": 6, "severity": "FLAG"},
{"id": 3, "severity": "FLAG"}
]
}