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Switzerland vs Croatia

Crypto regulation comparison

← Back to map | Switzerland | Croatia
Switzerland

Switzerland

Croatia

Croatia

Legal
Legal

Switzerland is one of the world's most crypto-friendly jurisdictions. The Canton of Zug is known as 'Crypto Valley' and hosts the Ethereum Foundation and hundreds of blockchain companies. FINMA provides clear regulatory guidance, and the DLT Act (2021) created a legal framework for tokenized securities and crypto exchanges. Individual investors pay no capital gains tax on crypto, though it is included in the cantonal wealth tax base. Professional traders may be subject to income tax.

Cryptocurrency is legal in Croatia and regulated under the EU's MiCA framework since Croatia joined the eurozone in January 2023. Crypto capital gains are taxed at 10-12% depending on the holding period. HANFA oversees crypto service providers.

Tax Type Wealth
Tax Type Capital gains
Tax Rate 0% capital gains (individuals); wealth tax varies by canton
Tax Rate 12%
Exchanges Yes Yes
Exchanges Yes Yes
Mining Yes Yes
Mining Yes Yes
Regulator FINMA (Swiss Financial Market Supervisory Authority)
Regulator HANFA (Croatian Financial Services Supervisory Agency)
Stablecoin Rules Regulated under FINMA framework; fiat-pegged stablecoin issuers must hold a banking or fintech licence (reserves treated as public deposits), or a payment system licence under FMIA if structured as financial market infrastructure
Stablecoin Rules Regulated under EU MiCA framework
Key Points
  • No capital gains tax on crypto for individual investors (private wealth management)
  • Crypto included in cantonal wealth tax base (rates vary by canton, typically 0.1-1%)
  • Professional/frequent traders may be classified as self-employed and taxed on income
  • FINMA regulates crypto under existing financial market laws and the 2021 DLT Act
  • DLT Act (2021) introduced DLT trading facility license and legal framework for tokenized assets
Key Points
  • Capital gains on crypto taxed at 12% flat rate
  • Gains on crypto held over 2 years are tax-exempt
  • HANFA regulates VASPs under Croatian and EU law
  • MiCA framework fully applicable from 30 December 2024
  • Croatia joined the eurozone in January 2023, aligning financial regulation with EU standards
Sources
Sources