Crypto Licence in Poland (MiCA 2026): Requirements, Costs & Process

Obtaining a crypto license in Poland has become one of the most sought-after solutions for entering the EU market. The country combines a structured regulatory framework with relatively predictable timelines, making it a strong choice for both startups and established crypto businesses.

At the same time, the rules are no longer as simple as before. With the introduction of MiCA, Poland is transitioning from a basic registration model to a fully regulated licensing regime, where every crypto company must obtain authorization as a Crypto-Asset Service Provider (CASP).

This means one thing: entering the market is still possible — but now it requires proper preparation.

What Is a Crypto License in Poland?

A crypto license in Poland is an authorization issued under the EU MiCA framework that allows a company to legally provide crypto-related services across the European Union.

The license is granted by the Polish Financial Supervision Authority (KNF) and applies to companies operating through a local legal entity (usually a Polish LLC).

Once approved, the license enables businesses to:

• operate crypto exchanges
  
• provide custodial wallet services
  
• execute crypto transactions
  
• offer brokerage and trading services
  
• manage crypto portfolios
  

Importantly, this license is passportable — meaning you can serve clients across the entire EU without obtaining additional approvals.

Why Poland Is Becoming a Crypto Hub

Over the past few years, Poland has positioned itself as one of the most active crypto jurisdictions in Europe.

By 2024, more than 1,800 crypto companies were registered in the country, reflecting strong demand and a favorable entry model.

Now, with MiCA in force, Poland is moving toward a more structured environment — but without losing its key advantage: accessibility.

In practice, this creates a balance:

• clearer rules
  
• stronger compliance
  
• continued market entry opportunities

Who Needs a Crypto License in Poland?

Under MiCA, any company providing crypto services must obtain a crypto license in Poland if it operates within the EU market.

This includes:

• crypto exchanges (fiat-to-crypto or crypto-to-crypto)
  
• custodial wallet providers
  
• crypto brokers and dealers
  
• investment and advisory platforms
  
• companies facilitating crypto transfers
  

If your business interacts with client funds or executes crypto transactions — licensing is mandatory.

Scope of Activities Under the License

One of the key advantages of a crypto license in Poland is its broad scope.

Instead of multiple separate permits, a single CASP license allows you to cover:

• trading and exchange services
  
• custody and storage of crypto-assets
  
• transaction execution
  
• crypto payments and transfers
  
• investment advisory
  

This “all-in-one” structure makes it easier to scale your product without reapplying for new licenses.

Key Requirements for a Crypto License in Poland

To obtain a crypto license in Poland, companies must meet strict regulatory standards.

The main requirements include:

• local Polish company (sp. z o.o.)
  
• minimum capital (€50,000–€150,000 depending on services)
  
• resident director and local presence
  
• AML/KYC framework
  
• compliance officer
  
• secure IT infrastructure
  

Regulators also conduct background checks on shareholders and management.

How to Get a Crypto License in Poland: Step-by-Step

The process is structured but requires careful preparation.

1. Business model analysis

2. Company registration in Poland

3. Preparation of compliance documentation

4. Submission to KNF

5. Regulatory review and due diligence

6. Approval and launch

In practice, timelines typically range from 3 to 6 months, depending on the quality of documentation and regulator workload.

Costs of a Crypto License in Poland

The cost of obtaining a crypto license in Poland is considered moderate compared to other EU jurisdictions.

Key expenses include:

• application fee: ~€4,500
  
• capital requirement: €50k–€150k
  
• annual supervisory fee: ~0.4% of revenue
  
• legal and compliance setup costs

In total, most projects budget between €50,000 and €100,000 for launch.

Advantages of a Crypto License in Poland

There are several reasons why companies choose Poland:

• access to the entire EU market
  
• relatively fast licensing process
  
• strong regulatory credibility
  
• scalable license structure
• developed crypto and fintech ecosystem
  
• moderate tax environment

Challenges to Consider

Despite its advantages, the crypto license in Poland also comes with challenges:

• strict compliance requirements
  
• ongoing reporting obligations
  
• banking limitations in some cases
  
• transition period due to MiCA implementation
  

The regulatory environment is evolving, and companies must stay updated.

MiCA Transition: What’s Important in 2026

Poland is currently transitioning from the old VASP registration system to the full CASP licensing regime.

Existing companies can operate under transitional rules until July 2026, after which a full license becomes mandatory.

This creates a unique window of opportunity for new entrants.

Conclusion

A crypto license in Poland is one of the most practical ways to enter the regulated EU crypto market in 2026.

While the requirements have become stricter under MiCA, the jurisdiction still offers a strong balance between accessibility, credibility, and scalability.

For projects that are ready to operate within a regulated framework, Poland remains a strategically strong choice.

Why Work with SBSB FinTech Lawyers

Obtaining a crypto license in Poland is not just a legal process — it is a strategic setup of your entire business model.

SBSB FinTech Lawyers provides:

• 150+ completed fintech and crypto projects
  
• full MiCA compliance support
  
• turnkey licensing solutions
• ongoing legal and compliance support after licensing
  

We guide clients from structuring to launch — and beyond. To learn more, book a consultation with our experts by contacting us here yuliya_barabash@sb-sb.com.