Bitcoin Regulatory Landscape 2025
Bitcoin regulations vary dramatically by jurisdiction. This guide covers KYC/AML requirements, licensing, and compliance for individuals and businesses.
US Regulations
FinCEN (Financial Crimes Enforcement Network)
- Applies to: Exchanges, custodians, money transmitters
- Requirements: Register as MSB, implement AML program
- KYC: Verify customer identity >$3000 transactions
SEC (Securities and Exchange Commission)
- Bitcoin Status: Not a security (commodity)
- Applies to: ICOs, security tokens, certain altcoins
- Requirements: Register offerings, provide disclosures
CFTC (Commodity Futures Trading Commission)
- Bitcoin Status: Commodity
- Applies to: Futures, options, derivatives
- Requirements: Register as FCM or DCO
EU Regulations (MiCA)
Markets in Crypto-Assets (MiCA) framework provides comprehensive crypto regulation across EU member states...
Compliance Requirements
- KYC: Know Your Customer identity verification
- AML: Anti-Money Laundering transaction monitoring
- CTF: Counter-Terrorism Financing reporting
- Travel Rule: Share customer data for >$1000 transfers
