---
type: country
domain: crypto-regulation
status: stable
tags: ["crypto-regulation", "europe", "moneyval", "restricted"]
aliases: ["AL", "ALB", "Shqipëri"]
created: 2026-04-13
updated: 2025-10-01
compile_into: ["[[country--albania]]"]
sources:
  - name: "Bank of Albania"
    url: "https://www.bankofalbania.org"
    type: "official"
---

# 🇦🇱 [[country--albania|Albania]] (AL) — Crypto Regulation

> Cryptocurrency activities in Albania are subject to significant restrictions under Law No. 66/2020 on DLT-based Financial Markets. The regulatory environment is cautious, with limited clear frameworks for licensing and AML specifically for crypto.

## Overview

| Field | Value |
|-------|-------|
| Status | Restricted |
| Risk Score | 55/100 (High Risk) |
| Enforcement Level | Low |
| Region | [[domain--europe|europe]] |
| Currency | [[entity--all|ALL]] |
| Adoption Rank | #50 |

## Tax

| Type | Rate |
|------|------|
| Capital Gains (Personal) | 15% personal income tax on crypto gains |
| Capital Gains (Corporate) | 15% corporate tax on crypto gains |
| VAT on Crypto | No |
| Mining Tax | Taxed as business income |
| Staking Tax | Taxed as income |
| Airdrop Tax | No specific guidance |

Albania taxes crypto gains at the standard 15% income tax rate. Practical tax enforcement on crypto is limited.

## Licensing

| Field | Value |
|-------|-------|
| Required | Yes |
| Regulator | [[entity--fsa|FSA]] / BoA |
| Framework | Law No. 66/2020 on DLT-based Financial Markets |
| Ease | hard |
| Cost | $20,000 - $100,000 |
| Timeline | 6-12 months |

Licensing is required under the DLT law, but the process is stringent and not fully streamlined.

## AML / KYC

| Field | Value |
|-------|-------|
| KYC Required | Yes |
| Travel Rule | Yes |
| FATF Member | No |
| FATF Status | fsrb_only |

## DeFi

**Status:** Restricted

DeFi activities face regulatory restrictions and lack clear legal recognition in Albania.

## Stablecoins

**Status:** Restricted

Stablecoins are regulated under the general DLT framework with restrictions on issuance and use.

## NFTs

**Status:** no_rules

No specific NFT regulation; may be subject to existing financial rules

## Mining

| Field | Value |
|-------|-------|
| Legal | Yes |
| Electricity Cost | $0.06/kWh |
| Renewable Energy | 85% |
| Climate | temperate |
| Infrastructure | fair |

Mining is allowed but under regulatory restrictions; high renewable energy share supports sustainable mining operations.

## Geopolitics

| Field | Value |
|-------|-------|
| Stability | moderate |
| Sanctions | No |
| Corruption Index | 36/100 |
| Ease of Business | moderate |
| Internet Freedom | partly_free |
| Banking Access | moderate |

## Enforcement

Bank of Albania has issued public warnings about crypto risks. Limited formal enforcement actions.

## CBDC Status: unknown

---

*Data source: [Soken Crypto Legal Map](https://soken.dev/crypto-map/). Last reviewed: 2026-04-13.*

**Sources:**
- [Bank of Albania](https://www.bankofalbania.org)