---
type: country
domain: crypto-regulation
status: stable
tags: ["crypto-regulation", "europe", "moneyval", "legal"]
aliases: ["PL", "POL", "Polska"]
created: 2026-04-13
updated: 2026-01-10
compile_into: ["[[country--poland]]"]
sources:
  - name: "KNF"
    url: "https://www.knf.gov.pl"
    type: "official"
  - name: "EU [[concept--mica|MiCA]] Regulation"
    url: "https://eur-lex.europa.eu"
    type: "official"
---

# 🇵🇱 [[country--poland|Poland]] (PL) — Crypto Regulation

> Poland has a legal regulatory framework for cryptocurrencies. The EU's MiCAR regulation is directly applicable, but national legislation has been vetoed, indicating reliance on EU-level rules. The Polish Financial Supervision Authority (KNF) actively monitors the market and issues warnings but no specific national crypto laws are detailed on the page.

## Overview

| Field | Value |
|-------|-------|
| Status | Legal |
| Risk Score | 28/100 (Moderate Risk) |
| Enforcement Level | Moderate |
| Region | [[domain--europe|europe]] |
| Currency | [[entity--pln|PLN]] |
| Adoption Rank | #26 |

## Tax

| Type | Rate |
|------|------|
| Capital Gains (Personal) | 19% flat tax on crypto capital gains |
| Capital Gains (Corporate) | 19% CIT (9% for small taxpayers) |
| VAT on Crypto | No |

## Licensing

| Field | Value |
|-------|-------|
| Required | Yes |
| Regulator | [[entity--knf|KNF]] |
| Framework | MiCAR (directly applicable but national legislation vetoed) |
| Ease | medium |
| Cost | $20,000 - $150,000 |
| Timeline | 4-12 months |

Presidential veto prevents KNF from issuing CASP licences. Polish businesses at severe competitive disadvantage. No domestic authority can authorize CASPs.

## AML / KYC

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

## DeFi

**Status:** regulated

MiCA applies to DeFi with identifiable operators. KNF follows ESMA guidance.

## Stablecoins

**Status:** specific_framework

MiCA stablecoin framework applies. KNF oversees authorization.

## NFTs

**Status:** Unclear

MiCA excludes unique NFTs. KNF follows ESMA classification guidance.

## Mining

| Field | Value |
|-------|-------|
| Legal | Yes |
| Electricity Cost | $0.122/kWh |
| Renewable Energy | 21% |
| Climate | temperate |
| Infrastructure | good |

Mining is legal with moderate electricity costs and a temperate climate favorable for cooling. Infrastructure quality is good. Renewable energy share is 21%.

## Geopolitics

| Field | Value |
|-------|-------|
| Stability | stable |
| Sanctions | No |
| Corruption Index | 55/100 |
| Ease of Business | moderate |
| Internet Freedom | free |
| Banking Access | moderate |

## Enforcement

KNF maintains a public warning list of unauthorized financial entities including crypto platforms. KNF has increased focus on crypto consumer protection.

## CBDC Status: exploring

---

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

**Sources:**
- [KNF](https://www.knf.gov.pl)
- [EU MiCA Regulation](https://eur-lex.europa.eu)