Crypto Regulations in France 2025

Since the Agreement Act was passed in 2019, crypto transactions and ownership have become legal in France. After establishing the legal framework for cryptocurrency, France introduced new and more stringent laws to regulate it domestically. As of 2025, France has emerged as one of Europe’s crypto-friendly countries due to its strong technological ecosystem and clear regulatory framework.

Crypto Regulations for 2025

2025-Mica Regulations

• A unified regulatory framework for crypto assets has been established to address the risks of financial instability and consumer exploitation.

• Oversees exchanges, custodians and wallet providers. The assets also referred to tokens (ARTs), a type of stubcoin backed by Fiat currency or commodities.

July 2025 – AMLA application

• The establishment of a new Money Laundering Office (AMLA) and CFT Compliance has been in effect since 2024 and will be signed in July 2025.

• It includes detailed guidelines for customer due diligence to prevent crypto-related risks.

May 2, 2025 – DDADUE Method

• This introduces a legal framework for pleasing for crypto assets through financial codes inspired by security postures.

• Under this law, CASPS must obtain a certificate of commitment from MICA.

• Cryptocurrencies must be formalized through a signed declaration by the asset owner to mitigate the risks of third parties.

January 2025 – Transfer Fund Regulations

• The TRF has been in effect since 2023 and was fully applied in January 2025 to mandate cryptographic transfers.
• Ensures that transfers of crypto assets exceeding 1,000 euros between CASP and self-hosted wallets are subject to reporting requirements

December 30, 2024 – June 30, 2026 – MICA Certification

• During the 18-month transition period, existing crypto asset providers (CASPs) can continue to operate under current national regulations, moving into a new market for Crypto Asset Regulation (MICA).

What does the French government say about codes?

Autorité Des Marches Financiers (AMF), the leading regulator of crypto, has begun supporting the Savings and Investment Coalition Project, which began on cross-border crypto assets platforms.

Earlier this year, in March, French provincial bank BPIFRANCE planned a $27 million crypto fund investment in digital assets. This approach to competitiveness in the field of digital assets was also supported by the French federal government.

Additionally, French Minister of Home Affairs Bruno Reciroe announced that he will meet crypto experts to enhance security while dealing with risks. The French government is currently accelerating transparency in crypto trading, financial stability and consumer protection through MICA.

On September 15th, three major European market institutions, the Autolité de Marquez Finance (AMF), the Austrian Finanzmark Toffsic Beherde (FMA), and the Italian Commissioner Nagioneer (Consob) presented proposals to strengthen overall crypto oversight.

Authorities aim to strengthen their competitiveness in the European market while protecting consumers.

France 2025 Crypto Tax

In France, Crypto is taxable as it is treated as a common stock, bond, and other capital asset. All taxes are mandatory by the Directorate of Finance (DGFIP).

• Tax-free events: Exchange or exchange of crypto assets, crypto assets, ICO and IEO, airdrops, DEFIs, margin trading, and gifts of NFTs.

• Tax Report: The income tax for 2025 is scheduled for April 10th of 2024.

French cryptographic license

• As of 2025, all crypto asset service providers (CASPs) are required to obtain licenses from MICA to operate within the EU.

• First, CASPS must be registered with Autorité Des Marchés Financiers (AFM), while Scorechain accelerates the process by providing tools to ensure robust compliance.

• The next step is to adhere to an enhanced due diligence framework that matches MICA.

• All CASPs must report suspicious activity to Tracfin, the French financial information unit. And finally, MICA ensures that CASP complies with AML/CFT regulations.

Cryptocurrency adoption in France

• Penetration rate: The current penetration rate of crypto users in France is expected to be 23.96%, and is expected to increase to 24.52% by 2026. The number of crypto users in France is rapidly increasing, reaching around 1637 million by 2026.

• Crypto Market Revenue: France’s current cryptocurrency market is expected to reach US$3 billion, with an average revenue per user of up to $187.2. It is growing at a rate of 2.69% per year, and by 2026 the revenue market is expected to reach US$3.1 billion.

• Crypto Holdings: The French government has not yet made public its crypto holdings. Rather, it focuses on creating a welcome and regulated environment for blockchain and cryptocurrency.

Conclusion

The French government is introducing new cryptography to ensure transparency, security and consumer protection. Through the MICA framework, we aim to create clear and reliable rules for the industry.

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