Is crypto legal in Netherlands?
Cryptocurrency is legal in Netherlands, but subject to regulatory restrictions.
Western Europe · NL · 8 of 9 dimensions sourced
Netherlands crypto policy at a glance
Stage of the central bank digital currency programme — research, pilot, or launched.
Whether crypto is legal, restricted, or banned for individuals and businesses.
“As of 30 December 2024, providers of crypto-asset services will require a licence or authorisation from the Dutch Authority for the Financial Markets (AFM) or another European regulator.”
Whether the jurisdiction licenses crypto/VASP service providers.
“In the Netherlands, this transitional regime ended on 30 June 2025. ... any person wishing to provide crypto-asset services in the EU must be authorized via either a CASP-license or a CASP-notification.”
Rules governing stablecoin and e-money-token issuance.
“Met de inwerkingtreding van de Europese verordening Markets in Crypto‑Assets (MiCA) zal er een specifiek kader gelden voor de uitgifte van asset‑referenced tokens en e‑money tokens (stablecoins) in de Europese Unie.”
How crypto gains are taxed and reported, including OECD CARF participation.
“Crypto's horen tot uw bezittingen in box 3. Van uw crypto's geeft u de waarde in het economisch verkeer aan op 1 januari (peildatum).”
How decentralized finance (DeFi) is treated by regulators.
“This study analyses crypto-assets and decentralised finance (DeFi), describing their opportunities and risks for the Dutch financial system and implications for supervision and regulation.”
Whether NFTs are addressed in regulation.
“NFT’s (non-fungible tokens) zijn digitale bezittingen. De waarde van NFT’s behoort in de regel tot uw vermogen in box 3.”
Policy toward crypto mining — permitted, restricted, or banned.
Intensity of regulatory enforcement actions against crypto firms.
“De AFM waarschuwt consumenten regelmatig voor de risico’s van beleggen in cryptovaluta en voor niet-gereguleerde aanbieders.”
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