In 2025, cryptocurrency regulation is becoming one of the key topics in the global financial system. Countries around the world are developing and implementing regulations aimed at ensuring transparency, security, and stability of the digital asset market. Let's look at the current trends and forecasts in the field of cryptocurrency regulation, as well as their impact on the global market.
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Global trends in the legal regulation of cryptocurrencies
Legal regulation of cryptocurrencies in the world is developing rapidly. Many countries are striving to create balanced regulations that, on the one hand, will ensure the protection of investors and prevent illegal transactions, and on the other hand, will support innovation and the development of blockchain technologies.
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In the European Union, the Markets in Cryptoassets Regulation (MiCA) came into force on December 30, 2024, establishing uniform rules for issuers and service providers related to cryptocurrencies. MiCA requires companies to register and obtain licenses for operations in the EU, as well as to comply with transparency and risk management requirements. In addition, the Digital Operational Resilience Regulation (DORA) came into force on January 17, 2025, aimed at ensuring the cyber resilience of financial institutions, including crypto companies. The DAC8 transposition is expected to be completed within a year, strengthening transparency and information exchange on crypto assets to combat tax evasion.
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In the United States, the Trump administration is taking steps to ease regulation of cryptocurrencies. The appointment of crypto-friendly Paul Atkins to head the Securities and Exchange Commission (SEC) signals an intention to create a favorable environment for the crypto industry to grow. However, experts warn of potential risks associated with weakened oversight, including increased market volatility and systemic risks to the financial system.
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The UK is also taking steps to tighten regulation of the crypto sector. The Financial Conduct Authority (FCA) plans to introduce rules on capital requirements, insider trading prevention, order processing and risk management for crypto companies. Detailed rules are expected to be published in the first half of 2025, with full implementation scheduled for 2026.
Regulation of cryptocurrency in Ukraine
Ukraine is actively working on creating a legal framework for regulating the cryptocurrency market. In the first quarter of 2025, the Law on Virtual Assets is expected to be adopted, which will determine the legal status of cryptocurrencies, requirements for exchanges and taxation rules. Chairman of the Verkhovna Rada Committee on Finance, Tax and Customs Policy Danylo Getmantsev noted that cryptocurrency will be taxed according to the model of taxation of transactions with securities, where investment profits are subject to taxation.
The National Bank of Ukraine (NBU) and the National Securities and Stock Market Commission (NSSCMC) are working to create a transparent licensing system for crypto exchanges and crypto service providers. Particular attention is paid to protecting investor rights, anti-money laundering (AML) measures, and ensuring cybersecurity.
In addition, Ukraine is actively cooperating with international financial institutions, including the International Monetary Fund (IMF), to integrate national legislation into European cryptocurrency regulation standards. This will create a favorable environment for crypto businesses and increase trust in digital assets among citizens.
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Challenges and Prospects of Cryptocurrency Market Regulation
Despite the active efforts to create a legal framework, cryptocurrency regulation faces a number of challenges. One of the key issues is the balance between ensuring security and supporting innovation. Too much regulation can slow down the development of technology and scare away investors, while insufficient oversight can lead to an increase in fraud and other illegal activities.
Another important aspect is the harmonization of legal regulation of cryptocurrencies in the world. Differences in approaches of different countries can create obstacles to international trade and capital movement. Therefore, international cooperation and exchange of experience are becoming key factors in the development of effective regulations.
In the future, cryptocurrency regulation is expected to become more mature and balanced. Countries will strive to create conditions that will ensure the protection of the interests of all market participants, support the development of innovation and the integration of digital technologies into the traditional financial system.
2025 is a turning point in the legal regulation of cryptocurrencies. Many countries are introducing new rules and standards aimed at ensuring transparency, security, and sustainability of financial systems in the digital age. Investors and market participants should closely monitor these changes and adapt their activities in accordance with new requirements to ensure compliance and minimize risks.
Thus, cryptocurrency regulation continues to evolve, reflecting the global community’s desire to create a sustainable and secure environment for the development of digital financial instruments.
