---
type: country
domain: crypto-regulation
status: stable
tags: ["crypto-regulation", "europe", "legal"]
aliases: ["AL", "ALB", "Shqipëri"]
created: 2026-06-01
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 is legal and regulated in Albania under Law No. 66/2020 on Financial Markets Based on Distributed Ledger Technology (effective September 1, 2020). A five-category DLT licensing regime overseen by the Albanian Financial Supervisory Authority (AMF) and the National Agency for Information Society (AKSHI) is in place. Crypto income has been taxable since January 1, 2024 under Law No. 29/2023. A new MiCA-aligned draft law was under parliamentary consideration as of March 2026.

## Overview

| Field | Value |
|-------|-------|
| Status | Legal |
| Risk Score | 25/100 (Low 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--amf|AMF]] / AKSHI |
| 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 | <span style="color:var(--text-dim,#888)">&mdash;</span> |
| Travel Rule | <span style="color:var(--text-dim,#888)">&mdash;</span> |
| FATF Member | <span style="color:var(--text-dim,#888)">&mdash;</span> |

## 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

## FAQ

### Is cryptocurrency legal in Albania?

Cryptocurrency is legal and regulated in Albania under Law No. 66/2020 on Financial Markets Based on Distributed Ledger Technology (effective September 1, 2020). A five-category DLT licensing regime overseen by the Albanian Financial Supervisory Authority (AMF) and the National Agency for Information Society (AKSHI) is in place. Crypto income has been taxable since January 1, 2024 under Law No. 29/2023. A new MiCA-aligned draft law was under parliamentary consideration as of March 2026.

### Are VASPs licensed in Albania?

Yes, licensing is required for VASPs.

---

*Data source: [Soken Crypto Legal Map](https://soken.dev/crypto-map/). Last reviewed: 2026-06-01.*

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