{"id":22849,"date":"2025-12-06T15:16:06","date_gmt":"2025-12-06T14:16:06","guid":{"rendered":"https:\/\/coincharge.io\/dac8-what-does-the-new-eu-regulation-mean-for-bitcoin-users-merchants-and-wallets\/"},"modified":"2025-12-09T11:18:18","modified_gmt":"2025-12-09T10:18:18","slug":"dac8-what-does-the-new-eu-regulation-mean-for-bitcoin-users-merchants-and-wallets","status":"publish","type":"post","link":"https:\/\/coincharge.io\/en\/dac8-what-does-the-new-eu-regulation-mean-for-bitcoin-users-merchants-and-wallets\/","title":{"rendered":"DAC8: What does the new EU regulation mean for Bitcoin users, merchants and wallets?"},"content":{"rendered":"
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DAC8: What does the new EU regulation mean for Bitcoin users, merchants and wallets?<\/strong><\/span><\/h1>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=””]\n

With DAC8<\/strong>, the EU is introducing a new reporting obligation for crypto companies. Many Bitcoiners are wondering:
What data is recorded? Who has to report? When does reporting start? And does this affect me at all if I hold Bitcoin long-term or store it myself? <\/strong><\/p>\n

In this article, we explain DAC8 as simply and practically as possible – and show you how to continue using Bitcoin in a confident and self-determined manner.<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=””]\n

Note:<\/strong> We are not tax advisors and this article does not constitute tax advice<\/strong>.
The information is intended solely for general guidance on dealing with Bitcoin, Lightning and DAC8.
Tax regulations may differ from country to country and always depend on the individual situation<\/strong> of each user.
If in doubt, please seek advice from a qualified tax advisor<\/strong> on your personal tax situation.<\/p><\/blockquote>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1765026572937{padding-top: 30px !important;padding-bottom: 30px !important;background-color: #6193C9 !important;}”]\n

What is DAC8?<\/span><\/strong><\/h2>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=””]\n

DAC8 is the eighth extension of the EU Directive on Administrative Cooperation<\/strong>.
It obliges certain crypto service providers<\/strong> in the EU to report transactions and customer information to the national financial authorities<\/strong>.<\/p>\n

The aim is an automatic exchange of data between the EU financial authorities to combat tax and money laundering.<\/p>\n

Important:<\/p>\n[\/vc_column_text][vc_column_text css=”.vc_custom_1765026602186{margin-left: 50px !important;}”]\n

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    DAC8 only affects companies, not users.<\/strong><\/p>\n<\/li>\n

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    Only companies in the EU that have a MiCAR license<\/strong> (or require one) are required to register.<\/p>\n<\/li>\n

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    Companies outside the EU (Switzerland, USA, Serbia, etc.) are not<\/strong> bound by DAC8.<\/p>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1765026624065{padding-top: 30px !important;padding-bottom: 30px !important;background-color: #6193C9 !important;}”]\n

    When does DAC8 apply?<\/strong><\/span><\/h2>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1765026643873{margin-left: 50px !important;}”]\n
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      Data collection:<\/strong> expected from 2026<\/strong>
      (depending on the implementation date of the EU member states)<\/p>\n<\/li>\n

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      Transmission to tax offices:<\/strong> from 2027<\/strong><\/p>\n<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text css=””]So there is still time to prepare – but the rules are definitely coming.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1765026689865{padding-top: 30px !important;padding-bottom: 30px !important;background-color: #6193C9 !important;}”]\n

      Which companies have to report?<\/strong><\/span><\/h2>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=””]DAC8 only applies to companies that:[\/vc_column_text][vc_column_text css=”.vc_custom_1765026730041{margin-left: 50px !important;}”]\n
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        are resident in the EU<\/strong><\/p>\n<\/li>\n

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        are regulated under MiCAR<\/strong> (crypto exchanges, brokers, custody wallet providers)<\/p>\n<\/li>\n<\/ol>\n[\/vc_column_text][vc_column_text css=””]Not affected are:[\/vc_column_text][vc_column_text css=”.vc_custom_1765026785897{margin-left: 50px !important;}”]\n

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          Swiss provider<\/p>\n<\/li>\n

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          Suppliers from the USA, UK, Serbia, Dubai, Australia, etc.<\/p>\n<\/li>\n

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          Self-custody wallets without custody (as no company has access to the Bitcoin)<\/p>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=”.vc_custom_1765026817914{padding-top: 30px !important;padding-bottom: 30px !important;background-color: #6193C9 !important;}”]\n

          What is reported?<\/span><\/h2>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=””]EU-regulated providers must report to the tax office:[\/vc_column_text][vc_column_text css=”.vc_custom_1765026844574{margin-left: 50px !important;}”]\n