Croatia vs Kosovo
Crypto regulation comparison
Croatia
Kosovo
Legal
Legal
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.
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
12%
Tax Rate
0-10%
Exchanges
Yes
Exchanges
Yes
Mining
Yes
Mining
No
Regulator
HANFA (Croatian Financial Services Supervisory Agency)
Regulator
Central Bank of Kosovo
Stablecoin Rules
Regulated under EU MiCA framework
Stablecoin Rules
No specific stablecoin regulation
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
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