CASP License in Poland

Obtain a CASP license in Poland under MiCA, with legal support for company structuring, KNF authorization, AML/CFT documentation, governance, and regulatory application preparation.
Status checked on 5 October 2026. Poland has not yet brought into force the act implementing MiCA, so no national authority, including the KNF, is designated to authorize crypto-asset service providers (KNF statement of 23 June 2026). CASP applications are therefore not currently being accepted in Poland.

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Poland has not yet designated a competent authority under MiCA, so the KNF cannot accept CASP applications until the implementing act enters into force. Rather than waiting for the filing window to open, businesses can prepare their corporate structure, governance framework, AML/CFT documentation and licensing package in advance. Companies that need to serve EU clients now can obtain CASP authorization in another EU member state and passport their services into Poland under Article 65 of MiCA.

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About the Service

A crypto-asset service provider in Poland must obtain CASP authorization before offering regulated crypto-asset services. Manimama supports businesses throughout the MiCA licensing process, from selecting the corporate structure and preparing documentation to submitting the application and communicating with the KNF.

In Poland, the Polish Financial Supervision Authority (KNF) supervises CASP authorization under MiCA. Applicants must comply with Polish implementation requirements and EU-wide rules on governance, AML/CFT, capital, and operational resilience. Our legal team helps align the application with these requirements.

Key Numbers about a CASP License in Poland

Not open yet Filing window

Poland has not yet designated a competent authority to authorize CASPs under MiCA.

From €50k Minimum capital

€50,000, €125,000 or €150,000 depending on the class of services, MiCA Annex IV.

1 or more Directors requirement

At least one EU-resident director; additional directors may be required.

Up to 32% Personal tax

Applicable personal income tax range in Poland.

9% / 19% Corporate tax

9% CIT for eligible small taxpayers; 19% standard rate.

19% Capital gains tax

Tax rate applied to investment income.

Legal Opinion about a CASP License in Poland

Obtaining a CASP license in Poland is essential for businesses offering crypto-asset services. Applicants must meet requirements, including robust AML/CFT compliance, a formal governance structure, and sufficient operational capital. Once licensed, CASPs must adhere to ongoing reporting obligations and maintain compliance with Polish and EU regulations. A CASP license enhances credibility and provides access to the EU market under a clear regulatory framework

Types of Activities with a CASP License in Poland

Providing custody and administration of crypto-assets on behalf of clients
This service means safekeeping or controlling, on behalf of third parties, crypto-assets or the means of access to such crypto-assets, where applicable in the form of private cryptographic keys. Holdings of crypto-assets on behalf of the clients shall be segregated from CASP’s holdings.
Operation of a trading platform for crypto-assets
This service contains of the management of one or more multilateral systems, which brings together or facilitates the bringing together of multiple third-party buying and selling interests for crypto-assets – in the system and in accordance with its rules – in a way that results in a contract, either by exchanging one crypto-asset for another, or a crypto-asset for funds.
Exchange of crypto-assets for funds
This service means the conclusion of purchase or sale contracts concerning crypto-assets with clients for funds by using proprietary capital.
Exchange of crypto-assets for other crypto-assets
This service means the conclusion of purchase or sale contracts concerning crypto-assets with clients for other crypto-assets by using proprietary capital.
Execution of orders for crypto-assets on behalf of clients
This service means concluding agreements to buy or to sell one or more crypto-assets or to subscribe for one or more crypto-assets on behalf of third parties and includes the conclusion of agreements to sell crypto-assets at the moment of their issuance.
Placing of crypto-assets
This service includes the marketing, on behalf of or for the account of the offeror or of a party related to the offeror, of crypto-assets to purchasers. Before placing the crypto-assets a CASP shall obtain the agreement of the issuers or any third party acting on their behalf.
Reception and transmission of orders for crypto-assets on behalf of clients
This service means the reception from a person of an order to buy or to sell one or more crypto-assets or to subscribe for one or more crypto-assets and the transmission of that order to a third party for execution.
Providing advice on crypto-assets
This service means offering, giving or agreeing to give personalized recommendations to a third party, either at the third party’s request or on the initiative of the a CASP providing the advice, in respect of one or more transactions relating to crypto-assets, or the use of crypto-asset services.
Providing portfolio management on crypto-assets
This service includes managing portfolios in accordance with mandates given by clients on a discretionary client-by-client basis where such portfolios include one or more crypto-assets.
Providing transfer services for crypto-assets on behalf of clients
This service means transfer, on behalf of a natural or legal person, crypto-assets from one distributed ledger address or account to another. Such service may be provided without virtual currency wallet opened for a CASP’s client.

Benefits of Obtaining a CASP License in Poland

Seamless cross-border operations within the EU
- A CASP license in Poland provides a strong foundation for passporting services across the European Economic Area (EEA).
- Adherence to EU compliance standards simplifies regulatory approvals in other member states.
Improved customer acquisition and retention
- A licensed status reassures clients about security, AML compliance, and fraud prevention.
- Investors and users prefer platforms that operate within a regulated framework, leading to higher conversion rates.
Access to a regulated and transparent market
- Compliance with Polish and European financial regulations helps build investor confidence.
- Compliance with KNF requirements ensures the transparency and security of operations.
Enhanced institutional trust and banking access
- Legitimacy under Polish and EU financial regulations enhances trust among investors.
- Compliance with KNF requirements ensures operational transparency and security.
Opportunities for institutional funding and partnerships
- Licensed companies find it easier to open and maintain bank accounts in Poland and across Europe.
- Regulatory recognition reduces the likelihood of banks classifying transactions as high-risk, improving financial operations.
Legal protection against regulatory uncertainty
- A clear regulatory framework protects businesses from abrupt legal changes and market restrictions.
- Companies with a CASP license face lower risks of operational shutdowns due to non-compliance.

Step by Step Description

We support crypto businesses at every stage of obtaining a CASP license in Poland — from incorporation and documentation to regulatory submission and licensing assistance.

Step 1

Incorporation stage

Company formation in Poland
Provision of a registered address for 1 year
Opening corporate bank account and transferring the share capital
Appointment and employment of a local director
Detailed company structure documentation

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Step 2

Pre-licensing stage

Preparation and submission legal and financial documents (non-exhaustive list) according to MiCA
Review of existing policies and procedures, if the company already has them

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Step 3

Licensing stage

CASP license application assistance
Conducting communication with the KNF during the license process

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Our Experts in This Area

Yuliia Kravchenko

Head of Licensing & Advisory

Timeline description

Name Selection and Availability Check

Verification and reservation of a compliant company name that meets jurisdictional requirements, avoids registration conflicts, and aligns with brand positioning and business strategy.

Document Preparation and Collection

Preparation, collection, and verification of all required corporate and personal documentation, ensuring accuracy, completeness, and compliance with local regulations and international standards.

Regulatory Review and Approval

Support throughout the regulatory review process, including communication with authorities, handling of additional requests, and maintaining application progress without delays.

Legal Structure and Ownership Model

Definition of the optimal corporate structure and ownership model, including limited liability, holding, or joint stock options, with full alignment to business goals, tax efficiency, and regulatory requirements.

Company Registration Process

Management of the full incorporation process, including document submission, coordination with authorities, and follow-up to ensure smooth and timely registration.

Licensing, Tax Setup, and Compliance

Completion of all required approvals, tax registration setup, and establishment of a compliance framework to support ongoing operations, reporting, and long-term stability.

Regulation

MiCA applies directly in Poland and is supplemented by regulatory provisions adopted by the Polish Financial Supervision Authority (KNF).It defines the supervisory powers of the KNF, including the authority to issue directives, suspend the provision of services, and enforce compliance with CASP requirements. In addition, the legislation establishes administrative sanctions, reporting obligations, and procedural rules aimed at ensuring compliance with supervisory standards and EU regulatory requirements.

Licensing Authority

The Polish Financial Supervision Authority (KNF) is the competent authority responsible for the supervision and licensing of Crypto-Asset Service Providers (CASPs) in Poland. The KNF ensures that entities comply with the requirements of both MiCA and the applicable national legislation. It provides regulatory guidance, monitors compliance with regulatory requirements, and is empowered to grant or revoke licenses for crypto-asset service providers operating in Poland. Our legal team supports applicants throughout the KNF CASP authorization process.

Procedure, timelines, fees:

Following the full application of MiCA after 30 December 2024, the KNF assesses within 25 working days whether the application includes all required information, without evaluating its quality at this stage. If information is missing, the applicant may be asked to supplement it within a set deadline. Once the missing information, if any, is provided, the KNF then has 40 working days to conduct a qualitative assessment. During the qualitative assessment period, the KNF may request additional clarifications; however, only the first such request can suspend the 40 working day period for up to 20 working days. Finally, the authorisation procedure is subject to a fee under the applicable Polish administrative fees, and if the application is approved, additional fees imposed by the Polish competent authorities may apply.

Requirements for key persons

Capital Requirements

Documentation Requirements

Corporate Income Tax (CIT)

The standard corporate income tax rate in Poland is 19%.A reduced corporate income tax rate of 9% may apply to small taxpayers and certain start-ups that meet the statutory criteria.Companies in Poland are generally subject to corporate income tax on their worldwide income if they are tax residents of Poland.Corporate income tax returns are generally filed electronically through the Polish tax authorities’ online system.In Poland, the taxation of crypto-assets depends on the nature of the activity and the applicable Polish tax rules.

Capital Gains Tax (CGT)

Income derived from crypto-assets in Poland is generally subject to a flat tax rate of 19%.Taxation typically applies when crypto-assets are exchanged for fiat currency, goods, services, or property rights.Transactions between cryptocurrencies are generally not taxable until they are converted into fiat currency or another taxable event occurs.

Personal Income Tax (PIT)

All individuals who are tax residents of Poland are generally subject to Polish personal income tax on their worldwide income. Non-residents may also be subject to tax on certain income derived from sources in Poland.Poland applies a progressive personal income tax scale:Up to PLN 120,000 — 12% Above PLN 120,000 — 32%Depending on the taxpayer’s circumstances, additional social security contributions may also apply.

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Clients Confirm Our Quality

“Thank you for your expertise and patience!”

Before signing the contract, we made six rounds of negotiations, because my client had a lot of questions that concerned the technical infrastructure, the board creation, and the formation of the authorized capital. We got the most complete picture, which allowed us to choose this provider. Thank you for your expertise and patience!

“It is the comprehensive approach that they use and the willingness to help with any issue”

During the preparation of documents for MiCA, Manimama advised us on labor, administrative, and corporate law. Usually, providers do not do this, strictly limiting the list of works that they do under the contract. It is the comprehensive approach that they use and the willingness to help with any issue that arises along the way that attracts us as a client.

FAQ

Mandatory authorization by KNF enabling EU-wide services

No competent authority is designated yet. Without the act implementing MiCA in force, the KNF lacks the formal authority to issue CASP authorizations.

Custody, trading, exchange (fiat/crypto & crypto/crypto), execution, placement, transmission, advisory, portfolio management, transfers

EU legal entity, Polish office, 2+ fit-and-proper managers (1 EU), €50k–€150k capital, AML/KYC + governance, DORA compliance, full documentation

Yes, physical office required (no virtual offices)

€50k / €125k / €150k depending on services

Incorporate entity, prepare docs, submit to KNF, 25d completeness + 40d review, several months total

CASP applications are not currently being accepted in Poland. In EU member states where the regime is operational, the review takes about 4 to 6 months, or 6 to 9 months in total including preparation.

~€4.5k application, €50k–€150k capital, 0.4–0.5% annual fee + operational/legal costs

2+ qualified managers, EU resident director, full-time oversight, responsible for governance, compliance, risk, AML, IT security

No, only legal entities (e.g. sp. z o.o., S.A., P.S.A.)

The term “Poland crypto license” commonly refers to CASP authorization under MiCA. In Poland, the Polish Financial Supervision Authority (KNF) supervises the authorization process.