Cryptocurrency operates in a partially regulated environment in Comoros, particularly through the autonomous island of Anjouan, which offers offshore crypto licenses. The Anjouan Offshore Finance Authority issues International Crypto Licenses that permit diverse cryptocurrency activities including crypto-to-fiat exchanges, token sales, and crypto derivatives trading (1). However, the Central Bank of Comoros has not issued specific regulations governing cryptocurrencies at the federal level, meaning digital assets exist in an ambiguous regulatory space outside Anjouan's jurisdiction (1).
The Banque Centrale des Comores oversees payment and settlement systems under its legal mandate to ensure proper functioning and security of the national payment infrastructure. The central bank implemented Regulation 01/2017 governing electronic money institutions, which authorizes non-bank providers to offer payment services backed by electronic money exclusively within Comoros (2). The International Monetary Fund provided technical assistance to the BCC in 2024, focusing on enhancing bank resolution capacity and strengthening the liquidity assistance framework, though cryptocurrency regulation was not specifically addressed (2).
"The oversight of payment and settlement systems is integral to the central bank responsibility toward preserving financial stability and should be seen as complementary to banking and financial supervision."
Anjouan's crypto licensing regime attracts businesses with minimal compliance requirements, no corporate taxes on foreign-sourced income, and expedited approval processes taking as little as two weeks. The licensing structure positions Anjouan as an offshore jurisdiction for cryptocurrency operations, though this regulatory framework operates independently from the federal government and central bank oversight (1). The Central Bank of Comoros joined the Pan-African Payment and Settlement System in August 2024, enabling cross-border payments in local currencies, but this initiative focuses on traditional payment services rather than cryptocurrency integration (2).
Source:
https://legalbison.com/crypto-license/anjouan/
https://documents1.worldbank.org/curated/en/812791592801563444/pdf/Comoros-Payments-and-Settlement-Systems-Oversight-Policy-Framework.pdf
Last updated: 18-10-2025 Disclaimer: This article does not provide legal advice. If you need legal advice, please contact an attorney directly.
