CASP License in Croatia

Croatia 🇭🇷 has taken a leading stance on crypto regulations by implementing a proactive MiCA Implementation Act ahead of full EU enforcement. 

MiCA Compliance Deadlines in Croatia

30 June 2024 – MiCA rules on EMTs and ARTs took effect EU‑wide.
30 December 2024 – Full MiCA regime applies; CASPs must register with HANFA or HNB.
1 July 2026 – End of transitional period (VASPs must secure MiCA license by this date).

MiCA Compliance Checklist for Croatia

✔ Register with HANFA (exchange/custody AML supervisor) or HNB (token issuers like EMT/ART) for CASP licensing.
✔ Demonstrate a fit & proper governance structure—board members must have reputational and demonstrable crypto expertise.
✔ Establish real local presence: Croatian entity, local directors, and on‑site physical infrastructure.
✔ Comply with AML/KYC rules, including suspicious activity reporting and adherence to MiCA travel rule.
✔ Meet taxation obligations:

• 12 % capital gains tax on crypto-to-fiat sales (annual €2,500 exemption for individuals)
• Income tax (10–30 %) for business activities, including mining/staking
  
  

Why Croatia is Crypto-Friendly

• Early regulatory clarity with MiCA-aligned national act
  
  
• Competitive cost base with skilled talent in IT and finance
  
  
• Widespread consumer adoption—crypto accepted in restaurants, cafes, and tourism hubs
  
  
• Quality of life perks—1,000+ islands, Mediterranean climate for digital nomads
  
  

Scorechain: Your Compliance Partner in Croatia

Scorechain helps CASPs with:

• Board oversight tools to meet “fit & proper” assessments
  
  
• AML & Travel Rule automation for real-time compliance
  
  
• Transaction monitoring & SAR reporting for HANFA/HNB requirements
  
  
• White-paper support & investor disclosure aligned with MiCA
  
  

Croatia is emerging as a balanced and dynamic crypto jurisdiction - forward-thinking regulators, investor-friendly tax policies, and growing infrastructure. 

If you're launching a crypto exchange, wallet service, or issuing tokens (ART, EMT or utility), you'll want to act now to align with MiCA and Croatia’s specifics.

Book a demo to see how Scorechain can streamline your path to CASP licensing and scalable EU operations.

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