Crypto Penetration blog ๐Ÿ”ฉ
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My name is @Ilya_ii. I research the penetration of cryptocurrencies in the life of different countries.
RU channel link @crypto_penetration
Created in collaboration with Ton Whales - crypto regulation database https://cryptopenetration.com/
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๐Ÿฎ Will Trump make crypto tax-free?

๐Ÿ‡บ๐Ÿ‡ธ This week, the media discussed new possible changes in crypto policy that the Donald Trump administration can provide. He can cancel capital gain tax for all cryptos issued or registered in the United States. Gains from sale of cryptos like Ripple and Cardano will, in this case, be tax-free for US tax residents. This looks like a great move for the industry in the US.

๐ŸŽˆAlthough this information has not been officially confirmed yet, it mainly refers to unnamed sources in the Trump team, so it could be a fake.
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๐Ÿ‡ช๐Ÿ‡บ VASP transition to CASP

๐Ÿ”– Requirements for crypto entities in the EU are getting stricter under MiCA. Registered VASPs are obligated to get CASP (Crypto Asset Service Provider) license. Apart from the name change, this implies stricter licensing and auditing procedures - more restrictions and costs.

๐Ÿ”€ The picture shows how many months different EU countries give for this transition.

๐Ÿ‡ต๐Ÿ‡ฑ๐Ÿ‡ฑ๐Ÿ‡นPoland, Netherlands, and Lithuania gave companies only half a year. Probably such small terms for Poland and Lithuania are caused by too many operating crypto entities in these countries and the desire of EU to introduce stricter control over VASP there. Probably the number of licenses in Lithuania and Poland will decrease significantly.

๐Ÿ’› On the contrary, France, Luxembourg, Malta, Estonia, Czech Republic and Cyprus (it is not in the table) have a long transition period for VASPs - 18-19 months.
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๐Ÿ† Bitcoin > $97,000 and $100k is waitingโ€ฆ

๐Ÿš€๐Ÿš€๐Ÿš€ Bitcoin continues to update its ATH today, November 21, breaking through the $95k mark to reach over $97k. There is almost no doubt that $100k will also be breached this week, and most likely today.

๐Ÿ“ One of the main reasons is the changes in cryptocurrency regulation in the US. Donald Trump met with Coinbase CEO Brian Armstrong the other day and Bloomberg messaged yesterday about Armstrong's possible appointment as the White House's head of crypto policy. Meanwhile, Congress and the Senate are preparing to discuss a Bitcoin Reserve.
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๐Ÿ—ฝGreat resignation

๐ŸŽ Gary Gensler will resign on January 20. He announced the news in his X account. Apparently Bitcoin will reach $100,000 pushed by this fact.
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๐Ÿ‡ท๐Ÿ‡ด Romania attracts crypto users

๐Ÿ‡ช๐Ÿ‡บ Amid the implementation of MiCA in the EU and tough compliance rules, good news coming from Romania. The country's parliament has amended the tax code to eliminate tax on personal income from cryptocurrency transactions.

๐ŸŽ‰ The benefit will be valid until July 31, 2025. So if you want to live in the European Union, maybe you urgently need to get a Romanian residence permit.
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๐Ÿ”ปBitcoin price decline

๐Ÿ“‰ Today, BTC's price is moving down sharply. Currently, itโ€™s about $92,500 and there is a risk of continuously drop to $90,000 and below.

๐Ÿซณ The reasons are quite simple - Bitcoin didnโ€™t break the $100,000 mark. In addition, there is a risk that the Fed will keep its current interest rate after its meeting on the 18th of December. However, in a volatile market like crypto, a reversal is always possible.

๐Ÿ‡ฒ๐Ÿ‡ฆ Despite the price decline, global regulation continues to improve - Morocco Central Bank plans to cancel its crypto ban.
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Tornado Cash case: will mixer regulation change?

The US Court of Appeals made a striking decision: it recognised OFAC sanctions against Tornado Cash as illegal. The Court's reasoning is that sanctions can be imposed on something that is property and belongs to someone, and immutable smart contracts are not on the list of property specified in the IEEPA law.

This is good news for the crypto industry and especially blockchain developers, as it limits the ability to sue them for creating code. Some go even further - they hope that this decision will change the approach to crypto mixers in the future (for instance). If so, it will lead to creation of legal โ€œcoin anonymizersโ€ for large crypto holders and hedge funds.

TORN's value has multiplied by 12 after the Court's decision - from $3 to $36. More details about the Tornado Cash court case and its history are in my research.
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Do you think coin anonimizers are essential for large crypto holders?
Anonymous Poll
90%
Yes
10%
No
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๐Ÿ“ˆBTC >$98,000
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๐Ÿ‡ณ๐Ÿ‡ฑ ะกhange residence and pay exit tax

๐Ÿ‡ช๐Ÿ‡บ Another EU country will impose an โ€œexit taxโ€ on citizens who move abroad. Last month, the Dutch parliament discussed such a legislative proposal to stop tax evasion, and most members supported it. The government will prepare a bill.

๐ŸŒ This tax already exists (in various forms) in several countries around the world, including:
๐Ÿ• Italy
๐Ÿ‚ Spain
๐Ÿ Canada
โ„๏ธ Finland
๐Ÿจ Australia
๐Ÿฆ’ South Africa
๐Ÿงญ Norway
๐Ÿ‡ณ๐Ÿ‡ด Sweden

๐Ÿ‡ซ๐Ÿ‡ท Some countries are also considering stricter exit criteria, such as those proposed for 2025 in France.

๐Ÿงฎ Basically, it works as a tax on capital - shares, stakes in companies - and thus applies to cryptocurrencies as well. Such tax is paid if a person has lived in the country for (typically) more than 5 years and has an income of over $1 million (average figure). So if you are holding a bunch of crypto, you should be careful choosing your country of residence. Last, but not least, sometimes legal entities also pay exit tax.
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๐Ÿ‡บ๐Ÿ‡ธ US government is going to sell BTC?

๐Ÿง According to Arkham Intelligence US government has transferred almost 20k BTC (about $1,9 bln) to Coinbase Prime. Probably, these Bitcoins will be sold soon.

๐Ÿ˜ˆ Some experts qualify this action as an attempt by the outgoing administration to reduce the amount of BTC on USA's balance sheet before the Bitcoin Reserve Act is passed. However, it's only 10% of current US Bitcoin holdings, so it may be simply a planned action.
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๐Ÿ‡บ๐Ÿ‡ธ New SEC chair

๐Ÿฆ… Donald Trump has nominated crypto lobbyist Paul Atkins as new SEC chair. Paul is leader of Token Alliance and was already SEC chair in 2002-2008.

๐Ÿ“ˆ His nomination may push BTC price above $100,000 this week.
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Bitcoin $103,000
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Ethereum $4,000. Alt season in progress. ๐Ÿ˜Œ๐Ÿ˜Œ
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๐Ÿ‡ช๐Ÿ‡บ The EU implements MiCA and changes tax rates

๐Ÿ–จ EU member states have until the end of 2024 to implement MiCA requirements (adopt the necessary laws) to start the re-registration procedure of operating VASPs to the CASP regime (effective in 2025). So, summarising the year's results on regulation is in full swing here. And by the way, not all countries had time to pass all the necessary laws in 2024.

๐Ÿ›‚ MiCA will certainly complicate the life of crypto businesses in Europe, as well as users - with transactions in USDT and increased AML requirements. But it will create a legal framework and increase the level of investor protection.

๐Ÿชจ There is another much bigger problem for EU users than MiCA: tax increases. Unfortunately, many Western European countries that have promoted themselves as cryptohubs (e.g. France, Netherlands) are raising tax requirements. And these plans have only now come to light.

๐Ÿ‡ซ๐Ÿ‡ท France has not only increased capital tax requirements for those who leave the country, but is also going to oblige holders to pay tax on unrealised profits at the end of the year. That is, cryptocurrency owners will owe the state for earned profits, regardless of whether they realise those profits (sell the asset) or not. Japan imposed a similar tax earlier, but then cancelled this requirement, as it was considered ineffective. And unfortunately, France may not be the last country to introduce such a tax.

๐Ÿ‡ท๐Ÿ‡ด On the contrary, Romania has announced crypto tax amnesty. Until mid-2025, the tax rate for individuals from the sale of cryptocurrencies will be 0%. Take the hint.

๐Ÿ“ฐ You can read more about how requirements for crypto business in Europe will increase in my new article on Hackernoon.
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๐Ÿ“ˆ The first wave of the bull cycle

๐Ÿ‡บ๐Ÿ‡ธ While more countries are adopting crypto regulation, the market is going through a full-fledged bull cycle after Donald Trump's victory, although altcoins are getting less liquidity than during the previous bull cycles of 2017 and 2021. Here's a look at some of the coins in the Coinmarketcap top 50, from 5 November to highs in early December, following Trump's appointment of the new SEC head, Paul Atkins:

๐Ÿ”ทXRP from $0.50 to $2.90
๐Ÿ”ทALGO from $0.10 to $0.50
๐Ÿ”ทBGB from $1.10 to $2.78
๐Ÿ”ทUNI from $6.70 to $18.64
๐Ÿ”ทDOGE from $0.15 to $0.46
๐Ÿ”ทATOM from $3.90 to $10.42
๐Ÿ”ทARB from $0.47 to $1.10
๐Ÿ”ทADA from $0.59 to $1.20
๐Ÿ”ทSUI from $1.85 to $4.32
๐Ÿ”ทDOT from $3.47 to $10.70
๐Ÿ”ทTON from $4.67 to $7.16
๐Ÿ”ทAVAX from $22 to $54
๐Ÿ”ทCRO from $0.07 to $0.21
๐Ÿ”ทPOL from $0.29 to $0.70
๐Ÿ”ทAPTOS from $8.00 to $14.29
๐Ÿ”ทNEAR from $3.60 to $8.00

โฏ๏ธ That is, almost no coin from TOP 50 has grown by more than 300% and the range is typically about 50-200%. Volatility in the crypto market is decreasing, making it more and more similar to other financial markets for this indicator. This is a sign of crypto institutionalisation.

๐Ÿ‘ However, if we look at the figures for Bitcoin ETFs, liquidity continues to arrive there - over $3bn since 29 November and inflows exceeded outflows on every trading day. Nevertheless, the alt season has already largely taken place. It is possible that we are still waiting for a second bull market in early 2025, but those who are in positions now should be careful and distribute risks properly. Even if the second wave of the bull market awaits us, we should take into account the high probability of correction.
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๐Ÿ‡ช๐Ÿ‡บ EU regulation crypto updates

๐Ÿ‡จ๐Ÿ‡ฟ Against the backdrop of growing requirements for crypto-business in Europe, the Czech Republic offers the opposite, exempting long-term holders from capital taxes. To take advantage of the tax exemption you need to hold crypto for 3 years. I think this is good motivation, especially as the benefit applies retroactively, to those who have already held for more than three years (though in Germany this period is 1 year).

โฃ๏ธ The requirements for opening bank accounts for companies in the Republic will also be simplified. Czech MP Jan Skopecek noted that โ€œif crypto businesses are not provided with tax benefits, they may relocate to another countryโ€.

๐Ÿ‡ฑ๐Ÿ‡ป Latvia now allows crypto companies to fund their capital directly in crypto. This Baltic country had no regulation until 2024, but adopted both new tax rules and a law on crypto assets this year. Financial technologies are quite developed here, but usually only back-offices of European companies are located in Latvia, due to complex compliance procedures.

โš ๏ธ Coinbase removes access to USDT, DAI and other stablecoins for all EU users. Only USDC and EURC will remain. Restricting Europeans' access to USDT and increasing requirements for obtaining CASP licenses are among the main drawbacks of MiCA.
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