---
type: country
domain: crypto-regulation
status: stable
tags: ["crypto-regulation", "europe", "moneyval", "legal"]
aliases: ["ME", "MNE", "Crna Gora / Црна Гора"]
created: 2026-04-13
updated: 2025-06-01
compile_into: ["[[country--montenegro]]"]
sources:
  - name: "Central Bank of Montenegro"
    url: "https://www.cbcg.me"
    type: "official"
---

# 🇲🇪 [[country--montenegro|Montenegro]] (ME) — Crypto Regulation

> Montenegro has no specific cryptocurrency legislation but operates under a legal framework that allows crypto activities. The Central Bank of Montenegro (CBCG) oversees financial stability but has not issued explicit crypto regulations.

## Overview

| Field | Value |
|-------|-------|
| Status | Legal |
| Risk Score | 45/100 (Moderate Risk) |
| Enforcement Level | Moderate |
| Region | [[domain--europe|europe]] |
| Currency | [[entity--eur|EUR]] |

## Tax

| Type | Rate |
|------|------|
| Capital Gains (Personal) | 9%-15% progressive income tax may apply |
| Capital Gains (Corporate) | 9% corporate tax |
| VAT on Crypto | No |
| Mining Tax | No specific guidance |
| Staking Tax | No specific guidance |
| Airdrop Tax | No specific guidance |

No specific crypto tax guidance. General income tax rates (9-15%) and 9% corporate rate may apply.

## Licensing

| Field | Value |
|-------|-------|
| Required | No |
| Regulator | [[entity--cbcg|CBCG]] |
| Framework | No specific crypto legislation |
| Ease | N/A |
| Cost | N/A |
| Timeline | N/A months |

No crypto-specific licensing. As an EU candidate, Montenegro may adopt MiCA-aligned regulation in the future.

## AML / KYC

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

## DeFi

**Status:** Unclear

No specific DeFi regulation

## Stablecoins

**Status:** no_rules

No specific stablecoin framework

## NFTs

**Status:** no_rules

No specific NFT regulation

## Mining

| Field | Value |
|-------|-------|
| Legal | Yes |
| Electricity Cost | $0.08/kWh |
| Renewable Energy | 30% |
| Climate | temperate |
| Infrastructure | fair |

Mining is legal with moderate electricity costs and 30% renewable energy share. Infrastructure is fair but not highly developed for large-scale mining.

## Geopolitics

| Field | Value |
|-------|-------|
| Stability | moderate |
| Sanctions | No |
| Corruption Index | 45/100 |
| Ease of Business | moderate |
| Internet Freedom | partly_free |
| Banking Access | moderate |

## Enforcement

Enforcement focused on unlicensed operators and consumer protection

## CBDC Status: unknown

---

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

**Sources:**
- [Central Bank of Montenegro](https://www.cbcg.me)