---
type: country
domain: crypto-regulation
status: stable
tags: ["crypto-regulation", "europe", "fatf", "legal"]
aliases: ["NL", "NLD", "Nederland"]
created: 2026-06-01
updated: 2026-01-15
compile_into: ["[[country--netherlands]]"]
sources:
  - name: "DNB"
    url: "https://www.dnb.nl"
    type: "official"
  - name: "EU [[concept--mica|MiCA]] Regulation"
    url: "https://eur-lex.europa.eu"
    type: "official"
---

# 🇳🇱 [[country--netherlands|Netherlands]] (NL) — Crypto Regulation

> The Netherlands has a clear and comprehensive regulatory framework for cryptocurrencies, including adherence to MiCAR and the Dutch AML Act (Wwft). The Financial Supervision Act (Wft) also applies, ensuring robust oversight by De Nederlandsche Bank (DNB).

## Overview

| Field | Value |
|-------|-------|
| Status | Legal |
| Risk Score | 25/100 (Low Risk) |
| Enforcement Level | High |
| Region | [[domain--europe|europe]] |
| Currency | [[entity--eur|EUR]] |
| Adoption Rank | #21 |

## Tax

| Type | Rate |
|------|------|
| Capital Gains (Personal) | Box 3 wealth tax: 36% applied to a deemed return (~5.88%) on net assets above €57,684 (2025 threshold; €59,357 for 2026). No capital gains tax on actual crypto profits. From summer 2025, taxpayers may alternatively declare actual (real) returns if lower than the notional return. Transition to a new Capital Growth/Capital Gains Tax system planned for January 2028. |
| Capital Gains (Corporate) | 25.8% (19% for first €200,000) |
| VAT on Crypto | No |

Crypto transactions are subject to VAT. Specific tax rates for capital gains, staking, mining, and airdrops are not detailed on the regulator page.

## Licensing

| Field | Value |
|-------|-------|
| Required | Yes |
| Regulator | [[entity--afm|AFM]] / DNB |
| Framework | MiCAR |
| Ease | medium |
| Cost | $50,000 - $110,000 |
| Timeline | 6-18 months |

Licensing is governed under MiCAR and requires compliance with Dutch financial regulations overseen by DNB.

## AML / KYC

| Field | Value |
|-------|-------|
| KYC Required | Yes |
| Travel Rule | Yes |
| [[concept--fatf|FATF]] Member | Yes |
| FATF Status | compliant |

## DeFi

**Status:** regulated

DeFi activities fall under the regulatory scope of MiCAR and Dutch AML laws, requiring compliance with existing financial regulations.

## Stablecoins

**Status:** regulated

Stablecoins are regulated under MiCAR with specific requirements for issuance and operation.

## NFTs

**Status:** Unclear

MiCA excludes unique NFTs. AFM follows ESMA classification guidance.

## Mining

| Field | Value |
|-------|-------|
| Legal | Yes |
| Electricity Cost | $0.18/kWh |
| Renewable Energy | 30% |
| Climate | temperate |
| Infrastructure | excellent |

Mining is legal with relatively high electricity costs and moderate renewable energy usage. Excellent infrastructure supports mining operations.

## Geopolitics

| Field | Value |
|-------|-------|
| Stability | stable |
| Sanctions | No |
| Corruption Index | 80/100 |
| Ease of Business | easy |
| Internet Freedom | free |
| Banking Access | open |

## Enforcement

DNB has imposed fines on crypto companies for AML non-compliance and rejected VASP registration applications. AFM has issued warnings about crypto risks and unauthorized platforms.

## CBDC Status: preparing

## FAQ

### Is cryptocurrency legal in Netherlands?

The Netherlands has a clear and comprehensive regulatory framework for cryptocurrencies, including adherence to MiCAR and the Dutch AML Act (Wwft). The Financial Supervision Act (Wft) also applies, ensuring robust oversight by De Nederlandsche Bank (DNB).

### What is the FATF status of Netherlands?

Netherlands is classified by FATF as: compliant.

### Are VASPs licensed in Netherlands?

Yes, licensing is required for VASPs.

### What is the AML/KYC regime in Netherlands?

KYC is mandatory for crypto businesses.

---

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

**Sources:**
- [DNB](https://www.dnb.nl)
- [EU MiCA Regulation](https://eur-lex.europa.eu)