Crypto & Digital Assets · Albania
Crypto & Digital Assets - Albania
Crypto is legal in Albania, which in 2020 enacted one of the region's first comprehensive DLT/virtual-asset frameworks and approved implementing bylaws and a five-category licensing regime by 2022. However, the regime remains largely unimplemented in practice: no DLT exchanges or virtual-asset service providers have been licensed, and market infrastructure is nascent. Crypto income has been formally taxed since 1 January 2024.
Law No. 66/2020 regulates the issuance, distribution, trading and custody of virtual currencies and digital tokens, plus digital-token agents, innovative-service providers and collective investment schemes; it took effect 1 September 2020.
The Albanian Financial Supervisory Authority (AFSA/AMF) licenses and supervises crypto businesses, working with AKSHI on technical/IT supervision of DLT exchanges and custodian wallet providers.
AFSA approved implementing bylaws on capital adequacy/own funds and on digital-token agent licensing (Nov 2021) and a licensing regime for crypto exchanges in June 2022, with five license types and three DLT-exchange categories.
Despite the law and bylaws, the market remains undeveloped with no licensed DLT exchanges or VASPs operating as of 2025, leaving uncertainty for users and businesses.
Under Law No. 29/2023 'On Income Tax', effective 1 January 2024, individuals pay a flat 15% capital-gains tax on virtual-asset gains, while crypto income from entrepreneurial activity (including mining) is taxed as business income.
The law defines Security Token Offerings (STOs) and digital-token offerings and brings them within securities-style supervision, alongside definitions for smart contracts and DLT.
Machine-assisted translation · verified 5/23/2026 · orientation, not legal advice. English version →