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Crypto in Morocco
Reference guide with links to local authorities. Specific tax and regulatory claims are published only after the applicable primary guidance has been reviewed.
Official source for regulatory status: Bank Al-Maghrib, AMMC, and Office des Changes: virtual-currency use prohibition notice, 5 April 2022 (supports: regulatory status, regulatory framework, regulatory timeline)
Local review · 2026-08-17
Next review: 2026-11-17
International virtual-asset standards, crypto tax reporting framework, and adoption methodology. Local rules can change; verify with the relevant authority before acting.
Regulation
- Bank Al-Maghrib, AMMC, and Office des Changes: virtual-currency use prohibition notice, 5 April 2022 (supports: regulatory status, regulatory framework, regulatory timeline)
- Ministry of Economy and Finance: draft Law 42-25 on crypto-assets, submitted for public consultation in 2025 (supports: regulatory framework, regulatory timeline)
Adoption
- AMMC: 2024 national-risk-assessment survey, 1.3% currently hold cryptocurrencies (supports: adoption percentage)
Official adoption figures are shown with their linked source.
3M+Users / investorsEstimate
1.3% current holders (AMMC survey, 2024)Adoption
$500M+ anualP2P Vol.Estimate
Top 5 AfricaRankEstimate
Source by figure: adoption: AMMC: 2024 national-risk-assessment survey, 1.3% currently hold cryptocurrencies
Blue figures are older estimates without a verifiable official source: they are shown as context, not official data, and are not used to rank or score countries.
$ Converter
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Morocco
Africa · MAD
Access restrictedRegulatory status
3M+ (est.)Users / investors
1.3% current holders (AMMC survey, 2024)Adoption
VerifyTop Exchange
VerifyMax Tax
VerifyCrypto Spots
Regulation Timeline
2022
Bank Al-Maghrib, AMMC, and the Office des Changes publish a joint notice: they describe virtual currencies as an unregulated activity and prohibit their use.
2025
The Ministry of Economy and Finance submits draft Law 42-25 on crypto-assets for public consultation. It proposes a future framework; it does not confirm that it is in force.
Official source for these events: Bank Al-Maghrib, AMMC, and Office des Changes: virtual-currency use prohibition notice, 5 April 2022 (supports: regulatory status, regulatory framework, regulatory timeline) · Ministry of Economy and Finance: draft Law 42-25 on crypto-assets, submitted for public consultation in 2025 (supports: regulatory framework, regulatory timeline)
Regulatory Framework
The April 2022 joint notice by Bank Al-Maghrib, AMMC, and the Office des Changes describes virtual currencies as an unregulated activity and calls for strict compliance with applicable rules. The notice says those authorities prohibit their use. Draft Law 42-25 was submitted for public consultation in 2025: it is a proposed future framework, not a current licence or list of authorised providers.
Official source for this framework: Bank Al-Maghrib, AMMC, and Office des Changes: virtual-currency use prohibition notice, 5 April 2022 (supports: regulatory status, regulatory framework, regulatory timeline) · Ministry of Economy and Finance: draft Law 42-25 on crypto-assets, submitted for public consultation in 2025 (supports: regulatory framework, regulatory timeline)
How to Buy Crypto
1
Check the linked official regulatory register or portal before choosing a provider.
2
Confirm tax treatment with the linked official guidance and a local professional where appropriate.
Crypto Taxes
Treatment to verify
We are verifying local tax treatment against primary guidance. Rates, deductions, and deadlines stay hidden until the applicable rule is confirmed.
Official tax portal for verification: Direction Generale des Impots: tax authority portal
Comparison: Africa
| Country | Users / investors | Adoption | P2P Vol. | Status | Exchange |
|---|---|---|---|---|---|
| 🇲🇦 MoroccoYou | No official figure | 1.3% current holders (AMMC survey, 2024) | No official figure | Access restricted | Verify |
| 🇳🇬 Nigeria | No official figure | No official figure | No official figure | Regulated | — |
| 🇿🇦 South Africa | >5.8M holders (SARS, 2024) | No official figure | No official figure | Regulated | — |
| 🇰🇪 Kenya | No official figure | No official figure | No official figure | Regulated | — |
| 🇪🇬 Egypt | No official figure | No official figure | No official figure | Banned | — |
| 🇬🇠Ghana | >3M users (BoG policy position, 2026) | No official figure | No official figure | Regulated | — |
| 🇹🇿 Tanzania | No official figure | No official figure | No official figure | Access restricted | — |
| 🇪🇹 Ethiopia | No official figure | No official figure | No official figure | Access restricted | — |
| 🇺🇬 Uganda | No official figure | No official figure | No official figure | Unregulated | — |
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