Crypto bank regulation in Belarus — Decree No. 19, National Bank, HTP

Regulation

Decree No. 19, National Bank, HTP. Everything the crypto bank stands on.

Regulatory module

Regulator integration

Dual supervision under Decree No. 19: the National Bank controls money operations and AML/CFT, the HTP Secretariat controls token operations. Per open data as of September 2026 no crypto bank has been entered into the register yet: we are preparing the filing.

Presidential Decree No. 19 of 16.01.2026

On crypto banks: JSC and HTP resident, capital BYN 20M, deposit BYN 10M, 9% tax. In force since 18.07.2026

HTP Supervisory Board Regulation of 15.04.2026

26 tokens and 11 operations: deposits, staking, loans and collateral, escrow, guarantees, custody, exchange, token issuance

National Bank Resolutions No. 157, 158, 162, 163, 167

Procedures, register, token accounting, rates from Binance / Bybit / OKX, prudential requirements (in force since 18.07.2026)

Resolutions No. 148, 156, 279, 288/13

Credit histories and token collateral, admission criteria, Council of Ministers procedures, foreign-trade settlements in tokens

Remote identification (Council of Ministers and NBRB, July 2026)

Interbank ID system, biometric documents, biometrics, liveness check

Decree No. 8 and Decree No. 367

HTP legal regime; individuals' token operations only via HTP residents

Active

National Bank reporting

Automatic generation and submission of reports to the National Bank of Belarus

In development

Monitoring dashboard

Interactive panels for real-time tracking of digital operations

Current

Decree compliance

Built-in functions for compliance with all decrees and laws on digital assets

Testing

Operation checks

Interactive simulations to verify digital operations against regulations

Ready

Audit trail

Complete log of all operations with detailed analysis for regulators

Available

Legal support

Advice on legislative changes and adaptation to new requirements

Full National Bank compliance

Automated reporting and monitoring system

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Security

Bank grade. Not exchange grade.

A crypto bank is under the National Bank's prudential supervision: capital requirements, reserves, reporting, inspections. Plus a cryptographic perimeter.

National Bank register of crypto banks

HSM + MPC

Keys are never assembled in one place.

Cold storage

95% of assets offline, withdrawals by multi-level approval.

Irrevocable deposit

BYN 10M at the National Bank as a stability guarantee.

Audit and pentest

External security audit before launch and annually.

Queue open

Early access

First accounts to the first

Leave your contact: we'll notify you about the launch and open an account without a queue.

1First to know about the launch
2Account without a queue
3Deck and roadmap for investors and partners