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Congo (Democratic Republic) vs United States

Crypto regulation comparison

← Back to map | Congo (Democratic Republic) | United States
Congo (Democratic Republic)

Congo (Democratic Republic)

United States

United States

Banned
Legal

The BCC has explicitly banned cryptocurrencies in the DRC. Bitcoin and all virtual currencies are neither regulated nor authorized. The BCC has warned against pyramid schemes using crypto.

The United States has the world's most complex crypto regulatory landscape, with overlapping federal and state jurisdictions. The SEC regulates crypto securities and has pursued enforcement actions against exchanges and token issuers. The CFTC oversees crypto derivatives and considers Bitcoin a commodity. FinCEN applies BSA requirements to crypto exchanges as money service businesses. The IRS taxes crypto as property: short-term gains at income tax rates (10-37%), long-term gains at 0-20%. New 1099-DA broker reporting rules take effect from 2025. Multiple states have their own requirements, with New York's BitLicense being the most stringent.

Tax Type None
Tax Type Capital gains
Tax Rate N/A
Tax Rate 0-37%
Exchanges Yes Yes
Exchanges Yes Yes
Mining Yes Yes
Mining Yes Yes
Regulator Banque Centrale du Congo
Regulator SEC, CFTC, FinCEN, OCC, IRS, State regulators
Stablecoin Rules No stablecoin regulation
Stablecoin Rules Stablecoin legislation actively being developed in Congress; existing oversight by SEC, CFTC, state regulators
Key Points
  • BCC explicitly prohibits all cryptocurrency activity
  • Virtual currencies are neither regulated nor authorized to operate
  • BCC warns of high risks of cybercrime and money laundering
  • Unauthorized crypto investment schemes have been shut down
  • No licensing framework exists for crypto service providers
Key Points
  • SEC regulates crypto as securities under Howey test; major enforcement actions (Ripple, Coinbase, Binance)
  • CFTC classifies Bitcoin and Ether as commodities; oversees derivatives markets
  • IRS treats crypto as property: short-term gains taxed at 10-37%, long-term (1yr+) at 0-20%
  • FinCEN requires exchanges to register as MSBs and comply with BSA/AML requirements
  • 1099-DA broker reporting for centralized exchanges effective from tax year 2025
Sources
Sources