Morocco Crypto Regulations: What You Need to Know

When navigating Morocco crypto regulations, the legal framework that governs digital assets, crypto exchanges, and related services in Morocco. Also known as Moroccan crypto law, it shapes how businesses obtain exchange licensing, how authorities enforce anti‑money laundering (AML) standards and how investors stay compliant. In short, these rules dictate who can operate, what reporting is required, and which penalties apply if you step out of line.

Key Pillars of Moroccan Crypto Law

First, crypto compliance in Morocco starts with a mandatory license from the Moroccan Capital Market Authority (AMMC). The license covers both spot trading platforms and custodial services, and it requires detailed KYC procedures, capital‑adequacy buffers, and regular audit reports. Second, the AML regime mirrors global standards: every exchange must integrate transaction monitoring tools, file suspicious activity reports (SARs), and cooperate with the national Financial Intelligence Unit (FIU). Third, tax treatment follows a flat‑rate model where crypto gains are taxed at 30%, and the AMMC coordinates with the tax authority to verify declared profits. Finally, enforcement has become stricter since 2022, with penalties ranging from hefty fines to criminal charges for unlicensed activity. These elements together form a compliance ecosystem that influences everything from token listings to cross‑border transfers.

Understanding these components helps you see how the central entity connects with related concepts: MiCA, the EU’s Markets in Crypto‑Assets regulation offers a benchmark for licensing, while FinCEN, the US Financial Crimes Enforcement Network provides a reference for AML reporting standards adopted worldwide. Moroccan regulators have taken cues from both to craft a hybrid approach that balances investor protection with market growth. Below you’ll find a curated set of guides, reviews, and analyses that dive deeper into each of these topics, from step‑by‑step licensing checklists to the latest tax updates and enforcement actions. Explore the posts to arm yourself with the knowledge needed to operate or invest safely under Morocco’s evolving crypto framework.