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Tokenization & crypto licensing in Poland

What the authorities publish on tokenized assets and digital-asset providers, and why it could or could not be read. 1 instruments from here are in our catalogue.

Buying crypto in Poland: what to know

Legal
Who regulates
  • Polish Financial Supervision Authority (KNF) — Competent authority only for e-money token issuers; not designated for CASPs (KNF statement, Feb 2026)
  • ESMA — Keeps the EU register of MiCA-authorised CASPs that can passport into Poland
  • National Revenue Administration (KAS) — Taxation
Licensing of providers
MiCA applies, but Poland has no authority designated to license CASPs: the President vetoed the Crypto-Asset Market Act three times (1 Dec 2025, Feb 2026, 11 Jun 2026), and the Sejm override failed on 4 Sep 2026. Since the MiCA transition ended on 1 July 2026, domestic firms cannot rely on it, while CASPs authorised in another EU state may serve Polish clients cross-border; ESMA's register lists them. Official register of providers ↗
Tax

Selling crypto for money, goods or services is taxed at a flat 19% on PIT-38; swapping one crypto for another is not taxed. Unused costs roll forward instead of losses.

Gains: 19% flat (PIT-38)

Tax authority: podatki.gov.pl ↗

Full tax page, incl. tokenized stocks and funds →

Reporting
Annual PIT-38 return. EU DAC8 reporting by crypto providers applies from 2026 under EU law; Poland's transposition was not confirmed.
Stablecoins
EU MiCA rules for e-money and asset-referenced tokens apply; the KNF supervises EMT issuers.
Watch out
  • Polish-based providers without an EU MiCA authorisation lost the transitional right to provide services after 1 July 2026.
  • Check ESMA's register and the KNF public warning list.
  • The President's office has submitted its own bill, so the domestic regime may change.

Checked 2026-10-29 · Confidence: medium · Sources: [1][2][3][4][5][6]

Not confirmed: Earlier claim of a 'fourth government bill' announced in Sept 2026: not confirmed, replaced. · Staking treatment in tax rulings not checked. · Polish DAC8 transposition status not checked. · Override vote is from a news aggregator; Bird & Bird, intellinews and cryptotimes blocked automated access.

Compiled to the best of our knowledge from the sources linked. Information, not tax or legal advice. Rules change — check the linked official sources before acting.

Found an error or something out of date? Tell us at [email protected] — we check and correct it.

Official registers

What the authorities publish — and what we read

Status: No public register. Every address below was loaded, not guessed. A register entry records that an authority licensed, registered or approved something; it says nothing about whether you may or should buy it.

AuthorityRegisterFinding
KNF / UKNF (Komisja Nadzoru Finansowego); MiCA competent authority not designated (only EMT issuers)none (no national tokenized-securities / DLT register; no MiCA register at KNF)No public register
about 0 entries

In our catalogue: 1 instruments from Poland

1 live.

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Tokenization in Poland — official registers | TokenBank