Croatia introduced crypto-regulation later than other European countries but is gradually attracting attention as one of the EU jurisdictions with transparent rules of the game for cryptocurrency companies.
Country overview
#54
CroatiaCountry stats
Rating Points
230
This indicator describes the overall rating of a given jurisdiction on several parameters according to cryptocurrency operations - market volume, crypto regulation, business climate, taxation framework.
Crypto Penetration
1.2%
Estimated percentage of crypto users out of the country's total population based on public data.
Legal Entities
0
Number of crypto companies registered in the country based on regulator data if available or other types of public data.
Regulation Points
140
An overall assessment of the granularity of crypto regulation in a given country. A high score is also given to countries where cryptocurrency transactions are highly regulated.
Amount of crypto users
45 600
Total amount of crypto users out of the country's total population based on public data.
Taxation points
28
This figure, according to our analysts' calculations, indicates the overall level of tax burden for cryptocurrency transactions in a given country. The higher the indicator, the lower the burden.
Market volume points
62
A rough estimate of this jurisdiction's retail crypto market relative to the rest of the world. The higher the indicator, the higher the market potential.
Status of crypto
Legally allowed
General status of cryptocurrency regulation in this jurisdiction.
Crypto payments
Legally allowed
The legal status of cryptocurrency payments for goods and services in a given country based on information from regulators, public data and feedback from our community.
Security Level
Minor danger
The overall level of security in a given country based on open data.
Crypto Salaries
No info
The legal status of cryptocurrency salaries to employers in a given country based on information from regulators, public data and feedback from our community.
Business Climate
Medium
Overall assessment of the friendliness of this country for crypto-business. This indicator takes into account the cost of obtaining a license and the attitude towards crypto entities in the country.
Stablecoin Regulation
Basic
This indicator is evaluating the regulation of stablecoins in a given country. Complex regulation means that it is possible to issue steiblcoins and obtain a license for this activity. Basic regulation means that the issuance of stablecoins is possible, but not all legal aspects are defined in the law. Standard regulation means that there is a legal practice of steylcoin circulation in a given country.
Bad Factors
FATF grey list
This section describes the unfavorable economic factors for crypto-business in a given country. These are countries that are under sanctions or on the FATF grey list and other factors.
Types of licenses
Crypto-to-crypto
This license type allows VASP to provide legal exchange from one cryptocurrency to another.
Crypto-to-fiat
This type of license regulates the exchange from cryptocurrency to fiat.
Wallet/Custody
This country has a legal licensing procedure for companies that store cryptocurrency - - crypto wallet providers and custodians.
Good
Medium
Bad
Croatia has a Minor danger security level according to our rating. Jurisdiction has 73.9 points (from 100) for safety level in Numbeo crime rating (1). The homicide level (2) is 0.8 per 100,000 inhabitants a year. Story of firearm-related death (3) 2.83 per 100,000 inhabitants a year.
We didn't find a link to the source, but we know that in Croatia, Konzum accepts cryptocurrency as payment for its products(4). If you know what law regulates crypto payments in Croatia, write to us.
No data
Except for numerous anti-money laundering (AML) compliance requirements prescribed by the Croatian Act on the Prevention of Money Laundering and Funding of Terrorism (the AML Act), Croatian legislation currently does not explicitly regulate(5) virtual assets service providers (VASPs).
Nevertheless, the most significant change introduced by the final draft of the AML Act amendments relates to regulating VASPs, which has already sparked debate.
According to the Personal Income Tax Act(6), the Republic of Croatia's position on cryptocurrencies is that they are defined as capital income and classified as income from other financial assets.
| Tax name | Index |
| PIT tax Min | 30 |
| PIT tax Max | 30 |
| Corporate tax (CIT) | 18 |
| Min Individual CGT (for crypto) | 0 |
| Max Individual CGT (for crypto) | 18 |
| Wealth tax Min | 0 |
| Wealth tax Max | 0 |
PIT
Croatia has progressive tax rates that are applicable to the taxable base in the process of annual tax liability assessment of 20% - 30% by PWC(7).
CIT
Corporate income tax (CIT) is generally paid at 18%, according to PWC(8).
CGT
Capital gains are subject to the regular CIT rate of 18% based on PWC(9).
1)Crime Index by Country 2023 Mid-Year
2)List of countries by intentional homicide rate
3)List of countries by firearm-related death rate
4)Croatian retail giant sees a rise in crypto payments despite the bear market. Article
6)Zakon o porezu na dohodak. Law
7)Individual - Taxes on personal income. PWC
8)Corporate - Taxes on corporate income. PWC
9)Overview. PWC
TON Community Research
In this research we’ve calculated an approximate audience of the TON community before adding wallet to Telegram based on public data
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