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Quick answer — Guyana, 2026

• Legal: Personal use not criminalised, not legal tender; running a crypto business is a criminal offence under section 72 of the Guyana Compliance Commission Act No. 14 of 2023
• Tax: No crypto-specific tax; capital gains tax is 20 per cent, gains received within 12 months of a change of ownership are taxed as income at 28 or 40 per cent
• Buying: Via international platforms and P2P; no licensed domestic exchange

Guyana sits in one of the more cautious and undefined corners of the global crypto map. The country has seen rapid economic growth on the back of offshore oil, a fast-modernizing financial sector, and a large overseas diaspora that sends money home regularly. Cryptocurrency touches all three of those threads, yet as of 2026 Guyana has no dedicated crypto law, no licensing regime for exchanges, and no tax guidance written specifically for digital assets. The result is a guarded grey area: personal use of Bitcoin is not criminalized, but crypto is not recognized as money, and the official posture leans toward restriction rather than welcome.

Importantly, the authorities have gone further than mere silence. A 2023 national risk assessment led by Guyana's Financial Intelligence Unit (FIU) rated the money-laundering and terrorist-financing risk of virtual assets as High and recommended that virtual asset service providers (VASPs) be prohibited for now, while the Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) Act was amended in 2023 to bring virtual asset activity within the scope of AML/CFT supervision. This guide explains, in plain terms, where things stand in 2026 for anyone in Guyana who wants to buy, hold, send, or mine cryptocurrency, and points you to the real official sources so you can verify the current position yourself. This is general information as of 2026, not legal, tax, or financial advice, and you should confirm anything important with the Bank of Guyana, the FIU, or the Guyana Revenue Authority before acting. See also our broader guide to crypto regulation.

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Owning and trading cryptocurrency as an individual is not specifically criminalized in Guyana. There is no statute that prohibits a private person from buying Bitcoin, holding it in a wallet, or trading it on an overseas platform. At the same time, crypto is not legal tender and has no official monetary status. Under Guyana's currency rules, only banknotes and coins issued by the Bank of Guyana are recognized as legal tender, so no business or person is obliged to accept Bitcoin in settlement of a debt.

The position is more restrictive when it comes to running a crypto business. A 2023 national risk assessment of virtual assets and VASPs, coordinated by Guyana's AML/CFT National Coordination Committee and the Financial Intelligence Unit, concluded that virtual assets and VASPs are not currently regulated in Guyana and recommended that such activities be prohibited until the country develops adequate technological infrastructure and supervisory mechanisms. That recommendation was then enacted. Section 72(1) of the Guyana Compliance Commission Act No. 14 of 2023 makes it an offence to conduct, as a business and on behalf of any other person, except where licensed under that Act, exchange between virtual assets and fiat currencies, exchange between forms of virtual assets, transfer of virtual assets, custody or administration of virtual assets, or financial services related to the issue or sale of a virtual asset. There is therefore no legal pathway today for a licensed domestic crypto exchange or custodian, even though casual personal use is not itself an offence. Treat crypto in Guyana as unregulated and officially discouraged, rather than freely permitted.

No single agency holds a dedicated crypto mandate. Instead, several bodies share oversight of the financial system and have engaged with virtual assets:

• Bank of Guyana is the central bank. It has the sole right to issue notes and coins, which are the only legal tender in Guyana, and it supervises banks and payment systems.
• Financial Intelligence Unit (FIU) of Guyana leads anti-money-laundering and counter-terrorist-financing work and coordinated the 2023 virtual-assets risk assessment.
• Guyana Securities Council regulates securities and took part in the inter-agency working group on virtual assets.
• Guyana Revenue Authority (GRA) administers tax and customs.

The 2023 risk-assessment working group also drew in the Attorney General's Chambers, the Guyana Police Force's Special Organised Crime Unit, the Gaming Authority, and the Commercial and Deed Registry. Because oversight is spread across these bodies and no crypto-specific regulator exists, the safest course is to verify the current position directly with the Bank of Guyana and the Financial Intelligence Unit (Guyana).

Guyana has not passed a standalone cryptocurrency act. The most relevant legal anchor is the country's AML/CFT regime:

• Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) Act, No. 13 of 2009, which replaced the earlier Money Laundering (Prevention) Act and has been amended several times.
• AML/CFT (Amendment) Acts of 2022 and 2023, which the FIU describes as bringing the framework into line with international standards. The 2023 amendment (Act No. 15 of 2023, published in the Official Gazette) designated virtual asset and VASP activity as activities subject to AML/CFT supervision.
• Bank of Guyana Act (Act No. 19 of 1998, Chapter 85:02), under which only Bank of Guyana notes and coins are legal tender.

Guyana is also a member of the Caribbean Financial Action Task Force (CFATF), the regional body that applies Financial Action Task Force (FATF) standards, including FATF Recommendation 15 on virtual assets. There is no equivalent of the EU's MiCA regulation in Guyana; the framework here is built on AML/CFT law and central-bank powers rather than a bespoke digital-asset regime. Because this area is evolving, confirm the current text of the law via the FIU's legislation pages before relying on it.

There is currently no licensing or registration regime that allows a virtual asset service provider, exchange, or custodian to be authorized to operate in Guyana. The 2023 national risk assessment explicitly recommended that VASPs be prohibited at this time, citing gaps in technological infrastructure and supervisory capacity, and rated the money-laundering and terrorist-financing risk of the virtual-asset sector as High. Drug trafficking and fraud were identified as the main predicate offences associated with the virtual-asset ecosystem in the local context. The assessment noted that no domestic virtual-asset business had been detected at the time, though it cited open-source reports of a Guyanese-linked crypto token project as a sign the sector was starting to touch the country.

The practical consequences are significant:

• No domestic exchange can be formally licensed, so platforms serving Guyanese users are based abroad and governed by foreign rules, not Guyanese ones.
• Because VASP activity is now within the scope of AML/CFT supervision, any entity that did offer such services would face customer due diligence, record-keeping, and suspicious-transaction reporting obligations under the AML/CFT Act.
• The prohibition is statutory rather than advisory, and it has a timeline attached. Section 72(3) of the Guyana Compliance Commission Act No. 14 of 2023 provided that no licence shall be issued under the Act for those activities on or before 31 December 2025, and Guyana told the 61st CFATF Plenary in November 2025 that the prohibition had been extended, although the amending instrument has not been published. A Virtual Assets Bill was named in the government's 2026 legislative programme on 6 February 2026 but does not appear on the Parliament of Guyana bill status list as at August 2026.

Guyana has not published tax rules written specifically for cryptocurrency, and the Guyana Revenue Authority (GRA) has not issued dedicated crypto guidance. That does not mean crypto activity is automatically tax-free. Guyana taxes income derived from Guyana or elsewhere, and the general principles that apply to income, business profits, and gains can in principle extend to crypto-related earnings depending on the facts.

In practice, activities such as trading as a business, mining for profit, accepting crypto as payment for goods or services, or otherwise earning crypto income could create a tax obligation under existing law even though no crypto-specific category exists. There is no crypto-specific rate or return, but the default rates are published. Capital gains tax is charged at 20 per cent under section 12 of the Capital Gains Tax Act, Chapter 81:20. Gains not exceeding G$500,000 are exempt, as are gains on transactions carried out more than twenty five years after the asset was acquired. A gain received within twelve months after a change of ownership is deemed part of chargeable income for income tax instead, which for year of income 2024 was 28 per cent on the first G$2,400,000 and 40 per cent on the balance. Capital gains returns are submitted on or before April 30 each year. Keep clear records of every transaction (dates, amounts, counterparties, and values in Guyanese dollars), and confirm how your situation is treated with the Guyana Revenue Authority or a qualified local tax adviser. For background on how crypto is taxed in general, see our crypto taxes guide. This section is informational only and is not tax advice.

Anti-money-laundering and know-your-customer obligations are the most concrete part of Guyana's approach to virtual assets. Under the AML/CFT Act, regulated reporting entities such as banks and money-transfer agents must verify customer identity, monitor transactions, keep records, and file suspicious-transaction reports and threshold transaction reports with the Financial Intelligence Unit. The 2023 amendment brought virtual asset and VASP activity within this supervisory perimeter.

For everyday users, the practical effect is felt at two points: the international exchanges and peer-to-peer platforms they use will apply their own KYC checks (typically a government ID and proof of address), and any local bank transfers connected to crypto can attract compliance questions, particularly for larger or frequent flows. Because the FIU rated the virtual-asset sector's laundering risk as High, scrutiny of crypto-linked transactions is more likely rather than less. The FIU publishes AML/CFT handbooks and guidelines for reporting entities on its website, which are the authoritative reference for these obligations.

Because no exchange is licensed domestically, Guyanese users generally rely on international platforms and peer-to-peer (P2P) marketplaces, and they do so at their own risk and under each platform's foreign rules. There is no Guyana-specific exchange rulebook, so users are bound by each platform's terms, identity-verification requirements, and supported funding methods.

A few realities shape the experience:

• Limited direct GYD support. The Guyanese dollar is rarely offered as a trading pair on major exchanges, so users often route through US dollars, stablecoins, bank cards, or P2P deals priced in local currency.
• Foreign-exchange and banking friction. Moving funds in and out via local banks can be subject to currency and compliance checks, which is part of why P2P trading has gained traction.
• Counterparty risk in P2P. Direct trades place more responsibility on the user to vet counterparties, use escrow where available, and avoid scams.
• No domestic recourse. If an overseas platform fails or funds are stolen, there is no Guyanese regulator or compensation scheme to turn to.

If you choose to participate, prioritize platforms with strong security and a credible track record, enable two-factor authentication, double-check wallet addresses because transfers are irreversible, and start with small amounts.

There is no Guyanese law that specifically prohibits cryptocurrency mining, so hobby-scale mining is generally treated as permissible by default. The absence of a dedicated rule is not the same as formal authorization, however, and anyone mining at scale should weigh several practical and regulatory factors:

• Electricity supply and cost. Mining is energy-intensive, and grid reliability and tariffs are major considerations; large operations could attract scrutiny over power consumption.
• Equipment importation. Bringing in mining hardware can involve customs duties and import procedures administered by the GRA.
• Business and tax obligations. Mining as a commercial venture may fall under general business, licensing, and tax rules even without crypto-specific legislation.
• AML and proceeds questions. Selling mined coins through exchanges will involve the same KYC and AML scrutiny as any other crypto activity.

Because the rules are not crypto-specific, anyone planning more than hobby-scale mining should seek guidance on electricity, import, and business-registration requirements before investing in equipment.

The most consequential recent step was the 2023 national risk assessment of virtual assets and VASPs, published via the Financial Intelligence Unit, which rated the sector's money-laundering and terrorist-financing risk as High and recommended prohibiting VASPs until Guyana builds adequate infrastructure and supervision. In parallel, the AML/CFT (Amendment) Act 2023 designated virtual asset activity as subject to AML/CFT supervision, and the FIU has continued to publish updated AML/CFT handbooks and guidelines for reporting entities (including a March 2024 handbook) and its 2024 annual report.

Guyana also remains engaged with the Caribbean Financial Action Task Force (CFATF) follow-up process, which keeps pressure on the country to align with FATF standards on virtual assets over time. As at August 2026 there is still no licensing framework for crypto exchanges in Guyana. CFATF recorded that the Guyana Compliance Commission was not constituted at the time of the mutual evaluation and that no authority had been designated to monitor virtual asset activity. The Commission now has a board headed by Anil Beharry and eight approved staff, and the Attorney General said on 16 July 2026 that it should be fully operational before the CFATF conference in November 2026, adding that the government planned to establish an appropriate supervisory framework for virtual assets and virtual asset service providers. Because the picture can change, treat the prohibition as the current position rather than a permanent one, and check the FIU and Bank of Guyana sites for updates before acting.

The government has also spoken publicly. In February 2025, at the Guyana Energy Conference and Supply Chain Expo, Vice President Bharrat Jagdeo said the country is not ready to facilitate or regulate cryptocurrency and that the financial sector must first grow in complexity. Asked whether the government was considering crypto regulations, he answered, in his words, no, not at this time, while adding that crypto could be layered on in future once the appropriate safeguards are in place. In December 2025, in the context of a review of gold-sector smuggling, the FIU Director, Matthew Langevine, indicated the unit had not received specific reports of cryptocurrency being used in that trade for 2024, a reminder that domestic virtual-asset activity detected by authorities has so far been limited.

The defining feature for crypto users in Guyana is the lack of a safety net. With no dedicated crypto law, no licensed domestic platforms, and no crypto-specific consumer-protection regime, users operate without the recourse available in more developed regulatory environments. Specific risks include:

• Market volatility. Crypto assets can lose value rapidly, and there is no local cushion if they do.
• Scams and fraud. The FIU identified fraud as a leading offence in the virtual-asset space; guaranteed-return and investment schemes are common warning signs.
• Irreversibility. Crypto transfers cannot be reversed, so an error or a scam payment is typically unrecoverable.
• Platform and custody risk. If an overseas exchange fails or is hacked, there is no Guyanese authority to compensate you.
• Legal uncertainty. Because VASP activity is officially discouraged, future rules could change how crypto may be used, taxed, or accessed.

If you choose to hold crypto, treat it as high-risk, never invest money you cannot afford to lose, use strong security including a hardware wallet for larger holdings, and keep good records.

Because Guyana's position is set by general law, official statements, and an inter-agency risk assessment rather than a single crypto act, always verify the current rules at the primary sources before acting. The most authoritative references are:

• Bank of Guyana, the central bank, for legal tender, banking, and payments.
• Financial Intelligence Unit (Guyana), for AML/CFT law, guidelines, and the virtual-assets risk assessment.
• Guyana Revenue Authority, for tax and customs questions.
• Caribbean Financial Action Task Force (CFATF), for regional AML standards and Guyana's mutual-evaluation reports.

For wider context, see our crypto regulation overview and our regulation hub for other countries. This article is general information as of 2026 and is not legal, tax, or financial advice; rules can change and are often applied case by case, so confirm anything important with the named official regulators or a qualified Guyanese professional before acting.

Facts reviewed: 13 August 2026. Page updated: 13 August 2026.

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