---
type: country
domain: crypto-regulation
status: stable
tags: ["crypto-regulation", "europe", "moneyval", "legal"]
aliases: ["HR", "HRV", "Hrvatska"]
created: 2026-04-13
updated: 2025-12-01
compile_into: ["[[country--croatia]]"]
sources:
  - name: "HANFA"
    url: "https://www.hanfa.hr"
    type: "official"
---

# 🇭🇷 [[country--croatia|Croatia]] (HR) — Crypto Regulation

> Croatia regulates cryptocurrency under the EU Markets in Crypto-Assets Regulation ([[concept--mica|MiCA]]) framework, with active licensing and regulatory oversight by Hanfa. Crypto activities including mining are legal and regulated.

## Overview

| Field | Value |
|-------|-------|
| Status | Legal |
| Risk Score | 32/100 (Moderate Risk) |
| Enforcement Level | Low |
| Region | [[domain--europe|europe]] |
| Currency | [[entity--eur|EUR]] |
| Adoption Rank | #42 |

## Tax

| Type | Rate |
|------|------|
| VAT on Crypto | No |

VAT applies to crypto transactions; other specific tax rates for crypto are not detailed in the source.

## Licensing

| Field | Value |
|-------|-------|
| Required | Yes |
| Regulator | [[entity--hanfa|HANFA]] |
| Framework | Markets in Crypto-Assets Regulation (MiCA) |
| Ease | medium |
| Cost | $20,000 - $100,000 |
| Timeline | 4-10 months |

Electrocoin d.o.o. is the first company to obtain Hanfa approval under MiCA, indicating an operational licensing framework.

## AML / KYC

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

## DeFi

**Status:** regulated

DeFi activities fall under the MiCA regulatory framework and are subject to oversight by Hanfa.

## Stablecoins

**Status:** regulated

Stablecoins are regulated under the MiCA framework with specific licensing and operational requirements.

## NFTs

**Status:** no_rules

No specific NFT regulation

## Mining

| Field | Value |
|-------|-------|
| Legal | Yes |
| Electricity Cost | $0.11/kWh |
| Renewable Energy | 30% |
| Climate | temperate |
| Infrastructure | good |

Mining is legal with moderate electricity costs and a good infrastructure environment.

## Geopolitics

| Field | Value |
|-------|-------|
| Stability | stable |
| Sanctions | No |
| Corruption Index | 47/100 |
| Ease of Business | moderate |
| Internet Freedom | free |
| Banking Access | moderate |

## Enforcement

HANFA has issued public warnings about unlicensed crypto platforms. Enforcement actions have been limited as the regulatory framework matures.

## CBDC Status: unknown

---

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

**Sources:**
- [HANFA](https://www.hanfa.hr)