Finland vs Kosovo
Crypto regulation comparison
Finland
Kosovo
Legal
Legal
Cryptocurrency is legal in Finland and well-regulated by the FIN-FSA. Crypto gains are taxed as capital income at 30% (34% for gains exceeding €30,000). Finland is one of few EU countries that has actively enforced tax compliance on crypto through data requests to exchanges.
Kosovo banned crypto mining in 2022 due to energy crisis but crypto trading remains legal. The Central Bank has warned about crypto risks.
Tax Type
Capital gains
Tax Type
Income
Tax Rate
30-34%
Tax Rate
0-10%
Exchanges
Yes
Exchanges
Yes
Mining
Yes
Mining
No
Regulator
Finanssivalvonta (FIN-FSA)
Regulator
Central Bank of Kosovo
Stablecoin Rules
Regulated under EU MiCA framework
Stablecoin Rules
No specific stablecoin regulation
Key Points
- Crypto capital gains taxed at 30% (34% for gains over €30,000 per year)
- FIN-FSA registers and supervises virtual currency providers under AML law
- Finnish Tax Administration actively sends letters to crypto holders based on exchange data
- Losses on crypto can be deducted from capital gains
- MiCA framework applicable from December 2024
Key Points
- Crypto mining banned in 2022 due to energy crisis
- Crypto trading and holding remain legal
- Central Bank has warned about crypto risks
- Income from crypto subject to taxation
- Growing crypto adoption despite mining ban