Ghana to implement cryptocurrency regulations by December 2025
- Bank of Ghana finalizes law to regulate cryptocurrencies
- Regulation seeks to curb abuses and increase financial oversight
- Country joins crypto regulatory wave in Africa
The Bank of Ghana intends to implement a regulatory framework for the cryptocurrency sector by the end of 2025, a move that marks a significant step forward in the integration of digital assets into the country's financial system. Central bank governor Johnson Asiama confirmed that the bill is already under consideration in parliament and is expected to be approved by December.
During the annual meetings of the International Monetary Fund in Washington, Asiama stated that the country is finalizing a project developed over the last four months.
“This bill is on its way to parliament and hopefully before the end of December we will be able to regulate cryptocurrencies in Ghana,”
declared the governor.
The central bank is also creating a new department dedicated to digital asset oversight, aiming to strengthen institutional capacity to monitor blockchain-based financial flows.
"We're developing expertise, we're developing the workforce. We're creating a new department that will help us. It's an important area. We can't ignore it anymore, and we're working hard to regulate it."
added Asiama.
Ghana has seen a significant increase in cryptocurrency adoption, driven by inflation and the devaluation of the Ghanaian cedi. Estimates indicate that more than 3 million citizens have already interacted with crypto assets, whether for value protection, investment, or transactional use. This growing popularity led the central bank to launch a regulatory sandbox that allows cryptocurrency companies to test solutions under official supervision.
In a previous interview, Asiama had acknowledged that the country was "late to the game" and that the lack of regulation had encouraged the migration of part of the economy to digital assets. The new regulatory framework aims to balance innovation and security, offering legal clarity and consumer protection.
With this measure, Ghana joins other African nations that have already adopted similar policies. Kenya passed its Virtual Asset Service Providers Act in October 2025, while Nigeria and Namibia have also advanced legislation aimed at taxing and licensing cryptocurrency businesses. These initiatives indicate a growing movement on the continent toward the formalization and integration of cryptocurrencies into local economies.
Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.
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