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DR Congo: crypto & digital assets regulation

Partially regulated

DRC crypto stance: AML/CFT norms apply to financial institutions; no explicit VASP license

Lead regulator:
Banque Centrale du Congo (BCC)
Key law:
Instruction No. 15 (Modification No. 3) (2023)
Last updated:
2026-07-12

The Central Bank of the Congo (BCC) has issued Instruction No. 15 (Modification No. 3) to establish risk-based anti-money laundering, counter-terrorism financing, and counter-proliferation financing norms for credit institutions and financial companies. This directive mandates comprehensive client identification and due diligence procedures for regulated entities. While the document focuses on traditional financial institutions, it establishes the primary regulatory framework for financial integrity in the jurisdiction. There is no explicit mention of a dedicated licensing regime for Virtual Asset Service Providers (VASPs) or a total ban on cryptocurrencies in the provided source.

Who regulates

  • Banque Centrale du Congo (BCC)

    Primary supervisor for credit institutions and financial companies; issuer of AML/CFT instructions

    [1]

Core laws & rules

  • Instruction No. 15 (Modification No. 3) (2023)

    Establishes risk-based AML/CFT/CPF norms for credit institutions and financial companies, mandating client identification and due diligence.

    [1]

Restrictions & warnings

  • No explicit ban on cryptocurrencies is stated in the provided documents, but regulated financial institutions must adhere to strict AML/CFT norms which may impact crypto-related activities.

    [1]

Direction of travel

  • Regulatory focus appears to be on integrating digital asset risks into existing AML/CFT frameworks for traditional financial institutions rather than creating a separate VASP regime.

    Low confidence — verify with the regulator before relying on this.

Sources

  1. Instruction No. 15 (Modification No. 3) · 2023-09-05

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This guide is compiled automatically from 1 primary-source documents published by DR Congo's regulators, reviewed by RegAlert, and refreshed monthly (last updated 2026-07-12). It is not legal advice — always confirm requirements with the regulator or local counsel before acting.