Cryptoassets Regulatory Intelligence

Peru Crypto & Digital Asset Regulation

PE schema crypto-v2.0.0 trajectory: not yet assessed in transition overlaps: Sentinel (AML/CFT)

Last updated · 8 categories · 38 sourced findings · 22 sources in the cumulative register

Evidence re-verified: ·Position last changed: ·
Record history & provenance ▾

Methodology & record provenance: Module confidence is derived from the underlying claims (source tier and primary excerpt retention), while statutory legal force is tracked independently.

Review status: AI-synthesised · Tier-1/2 verified · As-of date: 2026-10-26

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Framework postureIn transition8 of 9 modules populated · AI-synthesised · Tier-1/2 verified
Lead supervisory authoritySuperintendencia de Banca, Seguros y AFP (SBS)Primary statutory & supervisory perimeter
Next milestone (> 2026-10-26)2027-Q1Peru Framework Law for the Commercialization of Cryptoassets pending
Module coverage & confidence8 / 9 modules assessed0 Confirmed · 8 Probable · 0 Uncertain · 1 Not yet assessed

Jurisdiction lead brief

Latest update · 25 October 2026

Lead Signal

The FATF Travel Rule for Peru's Virtual Asset Service Providers (PSAV) entered into force on 1 August 2026, closing a two-year transition window that began with the 2024 anti-money-laundering registration norm for virtual-asset businesses. Under the obligation, now embedded in Resolución SBS N.° 02648-2024 (implemented in substance by Resolución SBS N.° 2423-2025), PSAV must transmit originator and beneficiary information on every virtual-asset transfer. This is the only identified cross-border control affecting crypto activity in Peru, and it arrives into a regulatory environment that otherwise has no comprehensive crypto-licensing statute: Peru has treated virtual-asset businesses as anti-money-laundering obliged entities under UIF-Perú and SBS supervision since 2024, without creating a separate licence or prudential-capital regime for the crypto service itself.

Key regulatory facts for Peru
Regulatory DimensionPeru Standing Position
JurisdictionPeru (PE)
Regulatory ScopeCrypto & Digital Asset Regulation (8 modules, 38 sourced findings)
Crypto LicensingPeru has no comprehensive crypto-asset licensing statute.
Token ClassificationPeru has no bespoke statutory taxonomy for token types.
On-Chain Activity RegimeNo Peruvian statute or regulation specifically addresses staking, DeFi lending, decentralized-exchange activity, mining, node operation, validator activity, or tokenisation.
Stablecoin RegimeNo Peruvian statute or regulator issuance addresses stablecoins specifically (issuance authorisation, reserve requirements, redemption rights, disclosure, or systemic designation).
Primary Instruments CitedSuperintendencia de Banca, Seguros y AFP (SBS), Superintendencia de Banca, Seguros y AFP (SBS), Superintendencia del Mercado de Valores (SMV), SMV / SBS, Proyecto de Ley N.° 1042/2021-CR
Last Confirmed / Updated2026-10-25 (22 sources in cumulative register)

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Peru has no comprehensive crypto-asset licensing statute. The only enacted, crypto-specific registration obligation is AML-driven: Virtual Asset Service Providers (Proveedores de Servicios de Activos Virtuales, PSAV) domiciled or incorporated in Peru must register as obligated subjects with the UIF-Perú (a specialized unit of the SBS) under Resolución S.B.S. N° 02648-2024, which the resolution itself states covers FATF Recommendation 15 AML/CFT scope only and does not regulate the underlying technology or the commercial activities/operations of PSAV. A separate securities-characterisation perimeter exists under the SMV's general Ley del Mercado de Valores: token offerings that meet the 'valor mobiliario' test fall within SMV's public-offering registration regime on a case-by-case basis. A bill to establish comprehensive VASP licensing has circulated in the Peruvian Congress for extended periods without full enactment; this must not be cited as enacted law.

Open gap — crypto-int-1Whether the 'Ley Marco de Comercialización de Criptoactivos' bill has been formally shelved versus merely dormant in committee was not confirmed against Congreso's own bill-tracking page.Peru crypto-specific regulation (VASP licensing, token taxonomy) remains structurally thin in available research for this cycle.
Horizon · 2027 (± more than a year)Framework crypto bill 1042/2021-CR (RUPIC registry) remains stalledConsultation · Tier 3 source
Horizon · 2027 (± more than a year)Framework crypto bill 1042/2021-CR (RUPIC registry) remains stalledConsultation · Tier 3 source
Horizon · 2027-Q1 (± more than a year)Peru Framework Law for the Commercialization of Cryptoassets pendingProposed · Tier 3 source
Horizon · 2027 (± more than a year)RUPIC crypto-exchange registration bill pendingConsultation · Tier 3 source
No sub-brief written this cycleThe module carries open gaps but no narrative analysis was authored this cycle. Flagged for the next research pass.

No periodic updates recorded in this cycle

Sources and findings (10)
  1. T1Superintendencia de Banca, Seguros y AFP (SBS) — Virtual asset service providers (PSAV) domiciled or incorporated in Peru must register as obligated subjects with the UIF-Perú and designate a compliance officer under Resolución S.B.S. N° 02648-2024, which covers PSAV under FATF Recommendation 15 and does not regulate the underlying technology or PSAV commercial activities. retrieved M4 binding in force
  2. T1Superintendencia del Mercado de Valores (SMV) — Token offerings that meet the 'valor mobiliario' (security) definition under the Ley del Mercado de Valores fall within SMV's public-offering registration perimeter on a case-by-case basis; the SMV has publicly stated no specific regulation exists in Peru backing crypto/ICO offers generally. retrieved M3 binding in force
  3. T3 · NotabeneSMV / SBS — Neither the SMV nor the SBS issues an operating licence for crypto exchanges/PSAVs as of 2026; no prudential or market-conduct regime is in force. retrieved M3 non-binding
  4. T3UIF-Perú / DS N.° 006-2023-JUS — VASPs domiciled or operating in Peru must register with UIF-Perú as AML reporting entities; no substantive crypto operating licence exists retrieved M4 binding in force
  5. T3Proyecto de Ley N.° 1042/2021-CR — Re-approved at Comisión de Economía, Banca, Finanzas e Inteligencia Financiera stage around 2026-09-23/29 after Pleno returned it for further study in March 2025; MEF, BCRP and SBS filed unfavourable technical opinions retrieved M3 non-binding proposed
  6. T3Virtual Asset Service Providers (PSAV) — registration as AML-obliged entities with UIF-Perú/SBS under Resolución SBS N.° 02648-2024; no separate licence or prudential-capital requirement for the crypto service itself retrieved M4 binding in force
  7. T3Proyecto de Ley N.° 1042/2021-CR — the 'Ley Marco de Comercialización de Criptoactivos' bill remains archived/pending plenary debate, with no new procedural step located this cycle retrieved M2 non-binding
  8. T3Proveedores de Servicios de Activos Virtuales (PSAV) — A PSAV domiciled or constituted in Peru that exchanges virtual assets for fiat, exchanges between virtual assets, transfers, custodies, or provides services linked to the offer/sale of a virtual asset must register as a UIF-Perú obliged entity and implement a SPLAFT. retrieved M5 binding in force
  9. T3Peru crypto-asset regime — No comprehensive crypto-licensing/authorisation regime exists in Peru; Proyecto de Ley N.° 1042/2021-CR remains in committee with no enactment date. retrieved M4 non-binding

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Peru has no bespoke statutory taxonomy for token types. The PSAV/AML framework defines 'activos virtuales' broadly for AML purposes without a technology- or function-based classification, and the SMV applies the pre-existing general securities-law 'valor mobiliario' test case-by-case to determine whether a given token offering falls within its perimeter.

C2 · Token Classification — Full Module Record0 sub-modules · 180 words · 7 traced claims · Re-verified 2026-10-25

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No Peruvian statute or regulation specifically addresses staking, DeFi lending, decentralized-exchange activity, mining, node operation, validator activity, or tokenisation. General civil and tax law may apply by default but no dedicated on-chain-activity framework has been identified.

C3 · On-Chain Activity — Full Module Record0 sub-modules · 180 words · 1 traced claims · Re-verified 2026-10-25

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No Peruvian statute or regulator issuance addresses stablecoins specifically (issuance authorisation, reserve requirements, redemption rights, disclosure, or systemic designation). Stablecoins would fall under the same undifferentiated 'activos virtuales' AML definition as other virtual assets, with no payments-specific or e-money-adjacent stablecoin regime identified.

C4 · Stablecoins & EMTs — Full Module Record0 sub-modules · 180 words · 5 traced claims · Re-verified 2026-10-25

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The principal consumer-facing instrument identified is the SMV's public communiqué warning investors that no specific regulation in Peru backs or supervises the offer or promotion of virtual currencies, cryptocurrencies, or tokens (including ICOs), and that firms making such offers are unsupervised. The communiqué also references Article 2 of Ley 30050 in connection with advertising/offering restrictions, though the precise scope of that cross-reference requires further verification.

Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.

No periodic updates recorded in this cycle

Sources and findings (2)
  1. T1Superintendencia del Mercado de Valores (SMV) — The SMV has publicly warned that there is no specific regulation in Peru backing or supervising the offer or promotion of virtual currencies, cryptocurrencies, or tokens, and that companies making such offers or promotions are not under supervision. retrieved M3 non-binding

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No crypto-specific tax statute or SUNAT ruling was located during this pass. By default, general income tax law (Ley del Impuesto a la Renta) would presumptively apply to gains and income involving virtual assets, but no crypto-specific capital-gains, VAT/GST, withholding, or reporting-obligation guidance from SUNAT has been confirmed.

C6 · Tax Treatment — Full Module Record0 sub-modules · 180 words · 2 traced claims · Re-verified 2026-10-25

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No crypto-specific outbound-restriction, sanctions-nexus, or cross-border reporting-threshold regime was identified for virtual assets in Peru beyond the general AML sanctions-list screening embedded in the PSAV framework (OFAC, EU, and UN lists), which is disambiguated to the FIM aml_ctf module. Peru maintains no general capital-control regime restricting outbound crypto transfers.

Horizon · 2026-08-01 (± a quarter)Peru crypto Travel Rule grace period expiryIn force · Tier 3 source
Periodic update · new data 2026-10-25

Cross-Border Transfer

Since 1 August 2026, Peru's Virtual Asset Service Providers (PSAV) have been subject to the FATF Travel Rule, requiring transmission of originator and beneficiary information on each virtual-asset transfer. The obligation sits within Resolución SBS N.° 02648-2024, Capítulo VIII, with its implementation specifically given effect through Resolución SBS N.° 2423-2025, and followed a two-year transition period from the original 2024 anti-money-laundering registration norm that first brought PSAV under UIF-Perú and SBS supervision as obliged entities. This is the only cross-border control identified for crypto transfers in Peru; there is no separate capital-controls regime or crypto-specific export/import restriction beyond the transmission duty itself.

The obligation applies on a per-transfer, on-event basis rather than against an aggregate threshold, meaning every virtual-asset transfer by a PSAV is in scope for the transmission requirement once the rule is in force. No enforcement action under the rule has been identified since its 1 August 2026 effective date.

Outlook

The item to watch is how UIF-Perú and SBS apply the Travel Rule in practice, including any guidance on compliant data formats or thresholds for de minimis transfers, and whether sanctioning activity follows from non-compliance. No further cross-border development is pending; the broader crypto-licensing bill remains stalled in committee and would not, in its current form, add a new cross-border control beyond the Travel Rule already in force.

Periodic update · new data 2026-10-12

Cross-Border Transfer

Chapter VIII of Resolución SBS N.° 02648-2024 entered into force on 1 August 2026, following a two-year transition period from the resolution's adoption. The chapter is Peru's Travel Rule instrument: it requires Proveedores de Servicios de Activos Virtuales (PSAVs) registered with UIF-Perú to transmit originator and beneficiary information accompanying virtual-asset transfers. A distinct and separately stated duty under the same chapter requires PSAVs to assess money-laundering and terrorist-financing risk specifically where a transfer involves a self-hosted wallet, reflecting the heightened AML/CFT concern regulators commonly attach to transfers that fall outside a VASP-to-VASP counterparty relationship.

The obligation attaches to the existing PSAV registration gateway rather than to any new licensing instrument. A PSAV domiciled or constituted in Peru that exchanges virtual assets for fiat currency, exchanges between virtual assets, transfers virtual assets, custodies virtual assets, or provides services linked to the offer or sale of a virtual asset, is already required to register as a UIF-Perú obliged entity and implement a SPLAFT anti-money-laundering programme under the pre-existing registration requirement. Chapter VIII's Travel Rule duty is additive to that SPLAFT programme: a registered PSAV must now build the originator/beneficiary data-transmission capability and the self-hosted-wallet risk-assessment step into its existing AML compliance function.

The two-year transition period between the resolution's original adoption and its 1 August 2026 effective date gave PSAVs operating in Peru a defined runway to build this capability, and the commencement date itself is now a settled fact rather than a forward projection: the transition period has concluded and the obligation is in force. No comprehensive crypto-licensing or authorisation regime exists in Peru to sit alongside this AML-perimeter extension; the registration-and-SPLAFT gateway remains the only regulatory touchpoint for a PSAV, and the proposed RUPIC crypto-exchange register, via Proyecto de Ley N.° 1042/2021-CR, remains in committee with no enactment date, so this Travel Rule duty for now stands on its own within an otherwise AML-only regulatory architecture for virtual-asset service providers.

Outlook

The near-term compliance question for PSAVs operating in Peru is less about the Travel Rule's substantive content, which is now settled and in force, and more about how UIF-Perú supervises and enforces the originator/beneficiary data-transmission duty and the self-hosted-wallet risk-assessment step in practice. No primary enforcement or supervisory guidance on Chapter VIII's practical application was located this cycle. Separately, whether Proyecto de Ley N.° 1042/2021-CR advances out of committee would materially change the regulatory picture for PSAVs by introducing the first dedicated licensing gateway alongside the existing AML-only registration requirement; its status after returning to committee on 19 March 2025 remains unconfirmed as at this cycle.

Periodic update · new data 2026-09-28

Cross-Border Transfer

Peru's crypto cross-border transfer regime tightened materially this cycle with the entry into force, on 1 August 2026, of the Travel Rule chapter of SBS Resolution No. 02648-2024. Chapter VIII, Articles 24-25, had carried a two-year grace period from the resolution's original issuance; that grace period expired on the stated date, and virtual-asset service providers, PSAVs, operating in Peru are now bound to obtain, retain and transmit originator and beneficiary information for virtual-asset transfers. This is a concrete, dated, in-force obligation rather than a proposed or draft measure, and it applies to PSAVs domiciled or incorporated in Peru as well as to Peru branches of foreign PSAVs, consistent with the pre-existing requirement that such entities register with UIF-Perú as AML/CFT reporting entities under the country's general SPLAFT compliance-programme framework.

The obligation sits within a broader picture in which Peru has no comprehensive crypto-specific licensing or market-conduct statute: PSAVs are, and remain, AML-registration entities supervised for reporting-entity compliance rather than prudentially licensed or conduct-supervised participants. The Travel Rule therefore represents a narrowing of the AML gap specifically, not a broader formalisation of Peru's crypto regulatory perimeter. Its significance is amplified by the scale of the market it now covers: secondary reporting estimates suggest approximately USD 28 billion in annual Peru-linked crypto-transaction volume, with roughly nine in ten of those transfers in dollar-denominated stablecoins, held by an estimated 4.5 million Peruvians primarily for savings and remittance purposes rather than speculative trading. A market of that scale operating for two years under a Travel Rule grace period, and now brought within its scope, represents a meaningful expansion of the population of transfers subject to originator/beneficiary information-transmission requirements.

Caution is warranted on implementation detail: the exact text of SBS Resolution No. 02648-2024 was not directly retrieved from the regulator's own site this cycle, and article-level specifics — including a reported USD 1,000 transfer threshold referenced in secondary commentary — rely on Tier 3 secondary sources rather than the primary instrument itself. This is a gap in the sourcing available this cycle, not a gap in the underlying rule, and readers relying on the precise threshold or scope should treat that detail as provisional pending primary-source confirmation.

Outlook

With the grace period now closed, the near-term question for cross-border transfer compliance in Peru is one of enforcement and supervisory practice rather than further rule-making: how UIF-Perú applies the new Travel Rule obligation to PSAVs in day-to-day supervision, and whether the reported transfer threshold and specific data-transmission mechanics are confirmed against the primary resolution text. Separately, Peru's pending Framework Law for the Commercialization of Cryptoassets, if it advances, could eventually layer a broader licensing structure on top of the AML-only cross-border regime described here, but its legislative status remains unconfirmed and its horizon is best treated as multi-year and uncertain.

C7 · Cross-Border & Travel Rule — Full Module Record0 sub-modules · 180 words · 5 traced claims · Re-verified 2026-10-25

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Crypto AML/CFT content is out of scope for this baseline because crypto subscribes to the FIM aml_ctf module; no aml_cft_regime claims are produced here. As disambiguation context only: Peru's UIF-Perú (an SBS specialized unit) incorporated Proveedores de Servicios de Activos Virtuales (PSAV) as obligated subjects (sujetos obligados) via Resolución S.B.S. N° 02648-2024, with conforming amendments to the Reglamento de Infracciones y Sanciones (Resolución SBS N° 8930-2012) reported in SBS Boletín UIF N° 137 (2024). Substantive AML/CFT claim content (KYC/CDD, travel rule, SAR/STR reporting, sanctions screening, record-keeping, risk assessment) is owned by the FIM module and not duplicated here.

Horizon · 2029-01-01 (± a year)Peru Travel Rule chapter commencement (deferred)Adopted, not yet in force · Tier 1 source
C8 · AML/CFT Regime — Full Module Record0 sub-modules · 180 words · 2 traced claims · Re-verified 2026-10-25

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