{ "jurisdiction_id": "HR", "jurisdiction": "Croatia", "url": "https://cryptoassets.gi/jurisdictions/croatia/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-17", "schema_version": "crypto-v2.0.0", "counts": { "modules": 7, "sourced_findings": 16, "source_register": 10 }, "modules": [ { "code": "crypto_licensing", "name": "Crypto Licensing", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/croatia/#crypto-licensing-crypto-licensing", "standing_position": "Croatia implements the EU Markets in Crypto-Assets Regulation (MiCA) as directly applicable law. Crypto-asset service providers (CASPs) require authorisation from HANFA (Hrvatska agencija za nadzor financijskih usluga), which is the designated competent authority for MiCA Titles II, V and VI, while the Croatian National Bank (HNB) is designated competent authority for Titles III and IV (asset-referenced tokens and e-money tokens). A national implementing act was expected in H2 2024 to formally split supervisory duties; legacy providers already in Croatia's pre-MiCA register at end-2024 may rely on a transitional/grandfathering period running up to June 2026, after which full HANFA authorisation is mandatory.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "token_classification", "name": "Token Classification", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/croatia/#token-classification-token-classification", "standing_position": "MiCA, as directly applicable in Croatia, establishes three principal categories: asset-referenced tokens (ARTs), e-money tokens (EMTs), and other crypto-assets (utility-token-like instruments requiring a white paper but not full authorisation as ART/EMT). Crypto-assets that qualify as MiFID II financial instruments are excluded from MiCA scope and instead fall under Croatia's existing capital markets/securities framework supervised by HANFA. Unique, non-fungible crypto-assets not comparable to a fungible series are generally excluded from MiCA's scope.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "on_chain_activity_regime", "name": "On-Chain Activity Regime", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/croatia/#on-chain-activity-regime-on-chain-activity-regime", "standing_position": "No dedicated Croatian or Croatia-specific EU implementing instrument distinctly regulating staking, DeFi lending, DEX operation, mining, node operation or validator activity as separate licensed categories was located; such activities are, at most, captured indirectly where an intermediary provides a MiCA-defined crypto-asset service (e.g., custody, execution, placing) subject to the general CASP licensing regime already reported under crypto_licensing.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "stablecoin_regime", "name": "Stablecoin Regime", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/croatia/#stablecoin-regime-stablecoin-regime", "standing_position": "Stablecoin-equivalent instruments (asset-referenced tokens and e-money tokens) are regulated under MiCA Titles III and IV, directly applicable in Croatia since 30 June 2024. The Croatian National Bank (HNB) is the designated competent authority for these Titles, covering issuance authorisation, reserve/backing requirements, redemption rights and disclosure (white paper) obligations, while HANFA licenses and supervises CASPs distributing such tokens.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "consumer_protection", "name": "Consumer Protection", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/croatia/#consumer-protection-consumer-protection", "standing_position": "MiCA imposes harmonized consumer-protection duties on crypto-asset issuers and CASPs operating in Croatia: white-paper disclosure, fair/clear/non-misleading marketing communications, conflict-of-interest management, and a retail holder right of withdrawal. HANFA also maintains a dedicated consumer complaints channel for MiCA-regulated entities.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "tax_treatment", "name": "Tax Treatment", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/croatia/#tax-treatment-tax-treatment", "standing_position": "Croatia, as an EU Member State, is bound by DAC8 (the directive amending Directive 2011/16/EU on administrative cooperation) requiring crypto-asset service providers to report user and transaction data to national tax authorities from 1 January 2026, extending automatic exchange of information to crypto-assets. A Croatia-specific national capital gains/income tax rate applicable to individual crypto trading gains was not confirmed in the sources reviewed in this pass and requires escalation to a primary Croatian tax authority source.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "cross_border_transfer", "name": "Cross-Border Transfer", "confidence": null, "moved_this_cycle": false, "url": "https://cryptoassets.gi/jurisdictions/croatia/#cross-border-transfer-cross-border-transfer", "standing_position": "Croatia is directly subject to the EU Transfer of Funds Regulation (EU) 2023/1113 (the crypto 'travel rule'), which requires crypto-asset service providers to obtain, hold and transmit originator and beneficiary information for all crypto-asset transfers regardless of value, effective 30 December 2024. As an EU/Eurozone Member State operating under harmonized capital-movement rules, no jurisdiction-specific outbound capital restriction on crypto-asset transfers beyond this EU-wide travel-rule and sanctions framework was identified.", "findings": [ { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": null, "instrument_type": null, "source": null, "source_url": null, "source_tier": null, "retrieved_at": null } ] } ] }