Crypto License in Poland

Obtain a Polish Crypto License in 2026

Poland has become one of the most strategically positioned jurisdictions in Central Europe for cryptocurrency and blockchain businesses. As a member of the European Union, Poland provides access to the EU single market while maintaining a clear regulatory framework for crypto-asset service providers.

In 2026, crypto businesses operating in Poland must comply with national regulations aligned with the EU Markets in Crypto-Assets Regulation (MiCA), AML directives, and financial supervision requirements. A Polish crypto license ensures legal operation, credibility with banking institutions, and the ability to expand across the European Economic Area under passporting rules (where applicable).

Regulatory Authority and Legal Framework

Crypto businesses in Poland are supervised primarily by the Polish Financial Supervision Authority (KNF). Companies providing crypto services must register as Virtual Asset Service Providers (VASP) and comply with EU MiCA requirements, which standardize crypto regulation across the European Union.

The legal framework covers:

• Cryptocurrency exchange services
• Custody and wallet services
• Crypto-to-fiat and crypto-to-crypto trading
• Token issuance and advisory services
• Transfer of digital assets
• Operation of trading platforms

Since MiCA implementation, Polish crypto businesses must demonstrate increased transparency, consumer protection standards, and operational resilience.

Company Formation and Licensing Requirements

To obtain a crypto license in Poland, a company must:

• Incorporate a Polish legal entity (typically a Limited Liability Company – Sp. z o.o.)
• Register as a Virtual Asset Service Provider
• Appoint qualified management and AML compliance officers
• Implement internal AML/KYC procedures
• Establish risk management and internal control systems
• Prepare detailed business documentation and operational policies

Polish authorities require transparent ownership structures and full disclosure of Ultimate Beneficial Owners (UBOs).

Capital Requirements (2026)

Under MiCA-aligned standards, capital requirements depend on the scope of crypto services:

• Advisory and limited crypto services: starting from €50,000
• Custody and exchange services: €125,000 or more
• Trading platforms and broader CASP activities: €150,000+

Additional capital buffers may apply depending on operational risk, custody volume, and cross-border services.

Maintaining adequate capital strengthens banking relationships and regulatory credibility.

Licensing Timeline

The typical timeline for establishing a Polish crypto company includes:

• Company incorporation: 1–3 weeks
• AML policy preparation and compliance setup: 2–4 weeks
• VASP registration review: 1–3 months
• Total estimated timeframe: 2–4 months

Preparation quality significantly affects approval speed. Incomplete documentation may lead to additional regulatory inquiries.

Estimated Costs

The first-year costs of operating a Polish crypto company typically include:

• Company registration and state fees: €2,000–€5,000
• Legal and compliance advisory: €10,000–€30,000
• Minimum capital deposit: €50,000–€150,000+
• Office, compliance staff, and operational expenses: €30,000–€80,000

Total estimated first-year budget: €100,000–€250,000+, depending on service scope and business model.

Compliance and Ongoing Obligations

Polish crypto license holders must maintain:

• Active AML and KYC compliance
• Transaction monitoring systems
• Internal audit and risk management procedures
• Regulatory reporting to KNF
• Beneficial ownership transparency
• Data protection compliance under GDPR

Failure to comply with ongoing requirements may result in administrative penalties or removal from the VASP register.

Banking and Payment Integration

A Polish crypto license significantly improves credibility with:

• EU banking institutions
• Payment service providers
• EMI and fintech partners
• International investors

However, banks require strict AML documentation, proof of capital origin, and clear risk management frameworks. Early banking strategy planning is essential for operational stability.

Taxation of Crypto Companies in Poland

Crypto companies in Poland are subject to:

• Corporate income tax (CIT)
• VAT (depending on service structure)
• Accounting and financial reporting requirements
• Employee payroll taxes (if applicable)

Poland offers competitive corporate taxation compared to several Western EU jurisdictions, while maintaining full EU regulatory legitimacy.

Who Should Consider a Polish Crypto License?

• Cryptocurrency exchanges targeting the EU market
• Custody and wallet providers
• Crypto brokerage platforms
• Token advisory and issuance services
• Fintech startups seeking EU regulatory presence
• Companies planning EU passporting under MiCA

Poland is particularly suitable for businesses seeking a balance between regulatory credibility and operational cost efficiency within the European Union.

Advantages of a Polish Crypto License

Obtaining a crypto license in Poland provides:

• Full EU regulatory legitimacy
• Access to the European market
• Alignment with MiCA standards
• Strong AML and compliance framework
• Increased trust from investors and financial institutions
• Stable legal environment within the EU

Proper structuring allows businesses to scale across Europe while maintaining regulatory security.

FAQ — Crypto License in Poland 2026

How long does it take to obtain a crypto license in Poland?

Typically 2–4 months depending on documentation quality and regulatory workload.

What is the minimum capital required?

From €50,000 for limited services up to €150,000+ for trading platforms and broader CASP activities.

Is physical presence required?

Yes, a registered office in Poland and local compliance structure are required.

Can a Polish crypto license be used across the EU?

Yes, under MiCA passporting rules, licensed CASPs may operate across EU member states subject to notification procedures.

What ongoing obligations exist?

AML/KYC compliance, transaction monitoring, regulatory reporting, internal audits, and GDPR compliance.