Nikolai Timofejev
15 years in FinTech and payments. Maps your business model to the right structure and leads the file all the way to a compliant launch, including banking and payment rails.
Get a crypto license in Moldova.
Moldova has no comprehensive crypto law yet - and we say so plainly. Crypto sits largely outside dedicated regulation, with AML obligations the main perimeter. As an EU-candidate country, Moldova is aligning its rules toward EU standards, and a first crypto law on the MiCA pattern is expected around the end of 2026. What works today: a company plus real AML - and, for the software side, the IT Park's 7% turnover tax. We structure it honestly.
27 yrs
on the international marketon the market
60+
in-house specialistsspecialists
400+
Crypto licenses obtainedlicenses obtained
Updated
Moldova in brief
No dedicated law yet - a compliant company that works.
Moldova does not have a comprehensive crypto law, and no one can sell you a Moldovan «crypto licence» - it does not exist. Crypto activity sits largely outside dedicated regulation; the real perimeter is anti-money-laundering law, which applies to businesses handling client funds and virtual assets. That makes the picture honest and specific: crypto business is possible through a properly governed Moldovan company that meets its AML obligations, but there is no standing authorisation to obtain, because the framework has not been written yet.
The direction of travel is clear. Moldova is an official EU-candidate country and is committed to aligning its laws with EU standards as accession advances, so a first comprehensive crypto law on the MiCA pattern is expected around the end of 2026. There is also a practical tax angle: the Moldova IT Park offers qualifying technology companies a single 7% tax on turnover that folds corporate, income and payroll taxes into one payment - useful for the software and development side of a crypto operation. We build the compliant company and AML programme now, use the IT Park where the activity qualifies, and keep a readiness file for the coming rules. Where you need a supervised exchange or custody permission today, we pair a licensed jurisdiction alongside.
No comprehensive crypto law in Moldova yet - honestly. Crypto sits largely outside dedicated regulation; AML is the main perimeter. The real route now is a governed company plus a real AML programme.
Moldova is an EU-candidate country aligning to MiCA, with a law expected around end of 2026. For tech activity, the IT Park's 7% turnover tax is a genuine angle. We build the structure and keep a readiness file.
The honest picture
The AML company route - readiness for the coming rules.
Two workstreams: the company plus AML structure that operates now, and the readiness that converts it when Moldova's MiCA-aligned rules arrive. We scope both before any work begins.
The company + AML route operates now; a readiness file converts it when Moldova's MiCA-aligned rules arrive.
01 - COMPANY + AML · THE ROUTE
Governed company, real AML
The working structure: a Moldovan company with clean governance and an AML programme that meets the country's anti-money-laundering law - lawful and credible today, without a dedicated licence because the framework is not written yet.
The working structure: a Moldovan company with clean governance and an AML programme that meets the country's anti-money-laundering law - lawful and credible today, without a dedicated licence because the framework is not written yet.
- ✓Moldovan company with clean governance
- ✓AML/CFT programme to Moldovan law
- ✓KYC, monitoring and record-keeping
- ✓Named compliance officer with authority
- ✓IT Park option for qualifying tech activity
- ✓Banking arranged on full disclosure
02 - READINESS FOR THE COMING RULES
EU candidate · MiCA-aligningPrepared for MiCA-style rules
Moldova's EU path points to a MiCA-aligned crypto law, expected around the end of 2026. The readiness file - governance, AML and custody documentation on EU patterns - converts the structure into an applicant when the regime opens.
Moldova's EU path points to a MiCA-aligned law ~2026 - EU-grade compliance now means first in line when it opens.
- ✓No comprehensive crypto law - tracked
- ✓EU-candidate alignment underway
- ✓MiCA-style framework expected ~2026
- ✓Compliance built to EU-grade now
- ✓Licensed pairing where supervised now
- ✓First in line when the regime opens
Costs and timelines are confirmed for your case before any work begins. There is no dedicated crypto licence in Moldova yet - the company and AML route is the real path, and we are candid that it is a compliance structure until the coming rules take effect.
Why Moldova
An EU-bound base with a 7% tax angle.
No dedicated law yet - but an EU-candidate jurisdiction aligning to MiCA, with a genuine 7% IT Park tax for tech activity, where a properly compliant company is a credible base.
✓
On the EU path
Moldova is an official EU-candidate country, aligning its laws with EU standards as accession advances. Crypto rules will follow that trajectory, which gives the structure a clear direction to build toward.Candidate country - a clear direction to build toward.
✓
Legal to operate
Crypto is not banned - it is largely unregulated beyond AML. Operating through a governed company that meets its anti-money-laundering obligations is lawful, and those standards are what banks read.Not banned - unregulated beyond AML; the route is lawful.
✓
The IT Park 7%
The Moldova IT Park lets qualifying technology companies pay a single 7% tax on turnover, folding several taxes into one. For the software and development side of a crypto operation, that is a real, usable advantage.A single turnover tax for qualifying tech activity.
✓
Low standard tax
Outside the IT Park, the standard corporate rate is 12% - among the lower rates in the region, which keeps the base efficient either way.12% corporate keeps the base efficient.
✓
MiCA-style rules coming
A comprehensive, EU-aligned crypto law is expected around the end of 2026. Building to EU-grade standards now means readiness when the regime opens.EU-aligned law expected around end of 2026.
✓
Honest guidance
Our value here is candour. We will not sell a Moldovan «licence» that does not exist - we build the real compliant structure and prepare for the rules that are coming.No selling a licence that does not exist.
How it compares
How Moldova differs from other routes.
Moldova is the EU-bound compliant-company play with a tax angle, not a licensing regime yet. The honest comparison is below.
Moldova vs other jurisdictions
| Feature |  Moldova | Other jurisdictions |
|---|---|---|
| Licence today | None yet - company + AML | Dedicated VASP licences |
| Direction | EU candidate - MiCA-aligning | Varies |
| Tech tax | IT Park - 7% of turnover | Standard rates |
| Corporate tax | 12% standard | Often higher |
Licence today
MoldovaNone yet - company + AML
Other jurisdictionsDedicated VASP licences
Direction
MoldovaEU candidate - MiCA-aligning
Other jurisdictionsVaries
Tech tax
MoldovaIT Park - 7% of turnover
Other jurisdictionsStandard rates
Corporate tax
Moldova12% standard
Other jurisdictionsOften higher
Country by country
| Country | License type | Taxation | Requirements |
|---|---|---|---|
| Moldova | No comprehensive law yet - company + AML | 12% (IT Park 7%) | AML; MiCA-aligned law ~2026 |
 Georgia | VASP registration (NBG) | 15% on distribution | Registration with the central bank |
 Ukraine | VA law adopted - phasing in | 18% corporate | MiCA-aligned draft (NSSMC) |
 Romania | MiCA - CASP (ASF) | 16% corporate | EU authorisation, in force |
MoldovaLicense typeNo comprehensive law yet - company + AML
Taxation12% (IT Park 7%)
RequirementsAML; MiCA-aligned law ~2026
GeorgiaLicense typeVASP registration (NBG)
Taxation15% on distribution
RequirementsRegistration with the central bank
UkraineLicense typeVA law adopted - phasing in
Taxation18% corporate
RequirementsMiCA-aligned draft (NSSMC)
RomaniaLicense typeMiCA - CASP (ASF)
Taxation16% corporate
RequirementsEU authorisation, in force
Doing it properly
What the compliant structure contains.What the compliant structure contains.
No law yet does not mean no standards - the AML obligations are real, and EU-aligned rules are coming. The checklist below is what we build.
01
Moldovan company - incorporated with clean governance and transparent ownership to UBOs.
02
AML/CFT programme - KYC, monitoring and record-keeping to Moldova's anti-money-laundering law.
03
Named compliance officer - appointed with real authority over the AML function.
04
IT Park assessment - eligibility for the 7% turnover-tax regime checked and, where the activity qualifies, put in place.
05
Custody and systems documentation - wallet architecture described to international standards.
06
Banking file - accounts arranged on full disclosure, matched to the flows.
07
Clean books - accounting a bank and a future regulator read as an asset.
08
EU-pattern compliance - governance and controls built to the standards a MiCA-aligned regime will expect.
09
Legislative monitoring - the coming crypto law tracked, the structure updated as drafts move.
10
Licensed pairing - a supervised base alongside where a regulated exchange or custody permission is needed now.
01
Moldovan company with clean governance.
02
AML/CFT programme to Moldovan law.
03
Named compliance officer with authority.
04
IT Park eligibility assessed and applied.
05
Custody and systems documentation.
06
Banking file on full disclosure.
07
Clean books from day one.
08
EU-pattern governance and controls.
09
Legislative monitoring of the coming law.
10
Licensed pairing where supervised now.
Reflects Moldova's general company law and AML framework as of 2026. There is no dedicated crypto licence yet - in writing, not in small print. A MiCA-aligned law is expected around the end of 2026.General company law + AML, as of 2026. No dedicated licence yet; MiCA-aligned law ~2026.
How it works
From first call to a compliant structure.
01
Strategy and honesty
The real status, your AML obligations and the banking plan - fixed in writing before anything incorporates.Status, AML obligations, banking - in writing.
02
Company and governance
Moldovan incorporation with clean governance and transparent ownership - the base the AML route needs.Incorporation, clean governance, UBOs.
03
AML and IT Park
A full AML programme with a named compliance officer, and the 7% IT Park regime put in place where the activity qualifies.Programme, officer, 7% regime where it fits.
04
Banking and operations
Accounts arranged on disclosure; the structure live on rails that hold.Accounts on disclosure; live on solid rails.
05
Monitor and convert
The coming crypto law tracked - when Moldova legislates, the prepared file enters first.File first when Moldova legislates.
Quick facts
Dedicated lawNone yet - pending
RouteCompany + AML
EU statusCandidate
Coming rulesMiCA-aligned (~2026)
IT Park tax7% of turnover
Corporate tax12%
VAT20%
CurrencyMDL
Anyone selling a «Moldovan crypto licence» in 2026 is selling paper. The honest product is the compliant company and AML structure, with the IT Park where it fits - real, bankable, and ready to convert.
On the ground in Moldova
Run from our Dubai office, with Moldovan counsel.
Prifinance - Moldova desk
Chișinău · Moldova
Chișinău, Moldova
01
Moldovan incorporation
Company formation with clean governance - the corporate layer the AML route sits on, built properly.Clean governance - the base for the AML route.
02
AML programme
KYC, monitoring and record-keeping with a named compliance officer - drafted and maintained to Moldovan law.KYC, monitoring and a compliance officer.
03
IT Park and tax
Eligibility for the 7% turnover regime assessed and put in place where the activity qualifies.7% turnover regime where the activity qualifies.
04
Banking and readiness
Accounts arranged on disclosure, and a readiness file kept current for the coming EU-aligned rules.Accounts on disclosure; ready for the coming rules.
We also have offices in
Tallinn
Estonia
Roseni 13
Vilnius
Lithuania
Gedimino pr. 2
Prague
Czech Republic
Vlkova 532/8, Žižkov
London
United Kingdom
7 Bell Yard
Dubai
UAE
33 Level, Al Saqr Business Tower
Madeira
Portugal
Rua da Alegria 31, 1F
Istanbul
Turkey
Perpa Ticaret Merkezi, A Blok
Good to know
Taxation of crypto companies in Moldova.
No crypto-specific levy - company profits carry the standard 12% corporate rate, and qualifying technology companies can use the IT Park's single 7% turnover tax instead.
12% standard rate
Company profits carry Moldova's 12% corporate income tax - among the lower headline rates in the region, which keeps the base efficient from the start.Among the lower headline rates in the region.
IT Park 7% turnover
Qualifying technology companies pay a single 7% tax on turnover that folds corporate, income and payroll taxes into one. For the software side of a crypto operation, it is a genuine option we assess honestly.One tax for qualifying tech activity.
No crypto-specific rules
There is no dedicated crypto tax code yet. Digital-asset income is handled under general principles, which we document defensibly so the position holds up.General principles, documented defensibly.
VAT at 20%
The standard VAT rate is 20%; how it maps onto crypto fee income depends on the activity, so we plan the position rather than assume an exemption.Service-specific - planned, not assumed.
Currency and reporting
Accounts run in Moldovan lei, with digital tax reporting the AML file already supports.MDL; digital tax reporting supported.
Records serve both
The KYC and monitoring records the AML route requires double as tax-office-grade books - compliance-grade accounting serves the revenue too.Compliance-grade books serve tax too.
Tax summary
Corporate income tax12%
IT Park (turnover)7%
VAT20%
Crypto-specific rulesNone - general system
CurrencyMDL
Coming rulesMiCA-aligned (~2026)
*As of 2026. The IT Park 7% regime applies only to qualifying technology activity - we assess eligibility honestly.
Turnkey professional support
Experienced lawyers and international consultants.
We provide end-to-end support, from company registration and the AML programme to regulatory interaction and compliance oversight - with an individualized approach to each client.
Oleksii Kindratenko
Builds the application itself: Moldovan company, AML/KYC policy pack, IT Park assessment, capital structure and tax registrations. His document sets are the reason reviews finish in months, not years.
Eugeniu Bevziuc
First point of contact for international founders. Runs the whole setup remotely, across time zones and languages - from the first call to a clean, compliant business.
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Moldova · AML route
Launch your crypto project in Moldova with expert support.
Full-service setup - the compliant company and AML structure today, with the IT Park where it fits and readiness for the coming rules.
Get a consultation →Free legal opinion
Is Moldova the right fit for your project?
Our legal team will analyze your case at no cost and provide a written legal opinion: which jurisdiction, structure, or route fits your business.
Written assessment within 2-5 business days
Request a free conclusion →FAQ
The Moldova crypto route, answered honestly.
Is there a crypto licence in Moldova?+
No. There is no comprehensive crypto law and no dedicated licence to hold. Crypto activity is possible through a governed company that meets its AML obligations, but the framework itself has not been written yet.
So is operating legal?+
Yes, when done properly. Crypto is largely unregulated beyond AML. A governed Moldovan company that runs a real AML programme operates lawfully, and those standards are what banks read.
What is the IT Park 7%?+
The Moldova IT Park lets qualifying technology companies pay a single 7% tax on turnover, folding several taxes into one. For the software and development side of a crypto operation it can be a real advantage - we check eligibility honestly.
Is a crypto law coming?+
Yes. As an EU-candidate country, Moldova is aligning its laws with EU standards, and a MiCA-style crypto law is expected around the end of 2026. We track the drafts and keep your structure conversion-ready.
How are crypto companies taxed?+
A 12% standard corporate rate, or a single 7% turnover tax inside the IT Park for qualifying technology activity. There is no crypto-specific code, so we model the position deliberately.
Can I run an exchange or custody from Moldova now?+
Not under a supervised licence - none exists yet. Where you need a regulated exchange or custody permission today, we pair Moldova with a licensed jurisdiction and sequence both.
Will I be ready when the law lands?+
That is the plan. We build to EU-grade standards now and keep a readiness file, so you can apply as soon as the regime opens.
Why Moldova with you?+
Because the value is in the detail: the AML programme, the IT Park assessment, the banking file. We build to the standard licensed firms keep - which is what makes the structure bankable and future-ready.
Is there a crypto licence?+
No - no comprehensive law and no dedicated licence.
Is operating legal?+
Yes - governed company + a real AML programme.
The IT Park 7%?+
One turnover tax for qualifying tech activity.
A law coming?+
Yes - MiCA-aligned, expected around end of 2026.
Company taxes?+
12% standard, or 7% turnover in the IT Park.
Exchange or custody now?+
Pair a licensed jurisdiction - sequenced.
Ready when the law lands?+
Yes - EU-grade build plus a readiness file.
Why with us?+
The compliance detail makes it bankable.
Client notes
Google4.7★★★★★
Founders who wanted it done right.
Google4.7★★★★★
“As a software development crew at FewMoreTaps OÜ, we've had the pleasure of working with Prifinance on some key financial moves.First of all, navigating the world of corporate banking and finance can be a maze, but Prifinance made it feel like a walk in the park. They helped us set up a corporate bank account without the hassle of jumping on a plane or drowning in paperwork. Everything was done remotely, smoothly…”
Google
“I had their assistance in company registration and I would recommend them. They were answering all my clarification during the process and offering all their supportThank you Daniel and Irinia”
Google
“We found PRIFINANCE COMPANYvia the Internet and asked for help in organizing the opening of their company in Estonia. PRIFINANCE COMPANY specialists helped us a lot with this. Their professional, competent approach and knowledge of their business left us with only the best impressions.”
Google
“I'm thrilled with my experience with PriFinance! They helped me obtain a crypto license in Estonia without any hassle. The team was super understanding and always available to answer my questions and assist. It was great to see how they put effort into preparing the documents to ensure everything went smoothly. I'm delighted with the outcome and highly recommend PriFinance to anyone looking to get a license…”
Google
“Opening an account with Prifinance in a Swiss bank was such an easy and quick process that I was shocked. It all started with the first call, where I received detailed guidance on the required documents and the entire procedure.One of the key highlights was their attention to detail. As someone who usually gets tangled up in paperwork, I was pleasantly surprised when they sent me all the documents and…”
Google
“I recently had the pleasure of working with Boris.. and I must say, it was a fantastic experience. Boris went above and beyond to assist me with my residency needs. His professionalism, knowledge, and dedication truly stood out. I highly recommend working with Boris and the team!”
Google
Start today
One message away from your Moldova structure.
Get a free legal opinion on your project - our legal team will analyze your case at no cost and provide a written legal opinion: which jurisdiction, structure, or route fits your business.Free legal opinion: which Moldova structure fits your project and what it will cost.
✓Written legal opinion within 2-5 business days - free of charge✓A clear recommendation on the right structure, not a sales pitch✓Transparent fixed fees, confirmed up front✓EN · RU · ES speaking team
Prifinance is an independent law and advisory firm. We are not a regulator and are not affiliated with, endorsed by, or acting on behalf of the National Bank of Moldova, the Moldova IT Park or any other public authority. Authorisations are granted by, and obtained directly from, the competent authorities.