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Moldova vs New Zealand

Crypto regulation comparison

Moldova

Moldova

New Zealand

New Zealand

No Regulation
Legal

Moldova currently has no specific cryptocurrency legislation. The National Bank warns that virtual currencies are unregulated and user funds are not protected. Ownership and trading are legal but use as payment is prohibited. Moldova plans to introduce its first crypto law by 2026, aligned with EU MiCA regulation, including a 12% tax on crypto profits.

Cryptocurrency is legal in New Zealand and treated as a form of property for tax purposes. The IRD taxes crypto depending on the purpose of acquisition — if bought with the intention to sell, gains are taxable income. New Zealand does not have a formal capital gains tax, but crypto profits are often taxable under income tax rules. Exchanges are not specifically licensed but must comply with AML/CFT requirements.

Tax Type Income
Tax Type Income
Tax Rate 12% (planned)
Tax Rate 10.5-39%
Exchanges Yes Yes
Exchanges Yes Yes
Mining Yes Yes
Mining Yes Yes
Regulator National Bank of Moldova
Regulator FMA (Financial Markets Authority), IRD (Inland Revenue)
Stablecoin Rules No stablecoin regulation
Stablecoin Rules No specific stablecoin regulation
Key Points
  • Virtual currencies not regulated; user funds not protected per NBM warning
  • Ownership and trading legal; use as payment prohibited
  • First crypto law planned by 2026, aligned with EU MiCA regulation
  • Planned 12% tax on crypto transaction profits
  • Law being drafted jointly by Finance Ministry, NBM, and AML authority
Key Points
  • Crypto treated as property; gains taxable if acquired with intent to dispose
  • No formal capital gains tax, but income tax applies to crypto trading profits
  • Tax rates from 10.5% to 39% depending on income bracket
  • Crypto salary payments are treated as taxable income
  • Exchanges must comply with AML/CFT Act and register as reporting entities with DIA