Ghana passes law to legalize crypto trading, central bank governor says

cointelegraphPublicado em 2025-12-22Última atualização em 2025-12-22

Resumo

Ghana has legalized cryptocurrency trading by passing the Virtual Asset Service Providers Bill, establishing a regulatory framework for the industry. The Bank of Ghana (BoG) will serve as the primary regulator, with powers to license and supervise crypto asset service providers. According to BoG Governor Johnson Asiama, the law aims to manage risks such as fraud and money laundering, support innovation, and improve financial inclusion, especially among youth and tech entrepreneurs. Ghana ranks among the top five Sub-Saharan African countries in crypto adoption, with the region experiencing significant growth in on-chain value.

Ghana has legalized cryptocurrency trading by establishing a regulatory framework targeting the industry.

Ghana’s parliament has passed the Virtual Asset Service Providers Bill into law, Bank of Ghana (BoG) Governor Johnson Asiama said, according to a report on Sunday by the state-owned Daily Graphic news agency.

“Virtual asset trading is now legal, and no one will be arrested for engaging in cryptocurrency, but we now have a framework to manage the risks involved,” Asiama said on Friday at the BoG’s annual Nine Lessons, Carols and Thanksgiving Service.

The timing aligns with earlier central bank communications, as Asiama had previously indicated Ghana was targeting the introduction of crypto regulation by the end of 2025.

Ghana’s central bank gains supervisory powers

Under the legislation, the Bank of Ghana becomes the primary regulator for cryptocurrency activity, with powers to license and supervise crypto asset service providers (CASPs).

The law positions Ghana to better protect consumers from fraud, money laundering and systemic risks, while removing uncertainty over the legal status of cryptocurrency, Asiama said, adding:

“What this means is that now we have the framework to manage it and to manage the risks that can involve that kind of activity [...] These are not just legal milestones; they are enablers of better policies, stronger supervision and more effective regulation.”

The governor also mentioned that the crypto law is intended to support innovation and expand Ghana’s financial inclusion, particularly among young people and tech-driven entrepreneurs.

Ghana ranks among Sub-Saharan Africa’s top five crypto economies

Ghana’s move to regulate cryptocurrency activity comes as the country emerges as a significant player in crypto adoption across the region.

According to Chainalysis’ 2025 Geography of Cryptocurrency Report, Ghana ranked among the top five Sub-Saharan African countries by total crypto value received between July 2024 and June 2025.

Total crypto value received by country in Sub-Saharan Africa from July 2024 to June 2025. Source: Chainalysis

In the meantime, Nigeria continued to dominate the region, receiving at least $92 billion in crypto value over the period, or nearly three times the amount recorded by South Africa, the report showed.

Related: CAR’s crypto push fueled ‘state capture’ by elites, criminal networks: Report

The Sub-Saharan region received over $205 billion in on-chain value, up about 52% from the previous year. This growth makes it the third-fastest growing region in the world, just behind Asia-Pacific and Latin America, according to Chainalysis.

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Perguntas relacionadas

QWhat is the key legislative action Ghana has taken regarding cryptocurrency trading?

AGhana has passed the Virtual Asset Service Providers Bill into law, legalizing cryptocurrency trading and establishing a regulatory framework for the industry.

QWho is the primary regulator for cryptocurrency activity in Ghana according to the new law?

AThe Bank of Ghana (BoG) is the primary regulator, with powers to license and supervise crypto asset service providers (CASPs).

QWhat did Governor Johnson Asiama state about the purpose of the new crypto law?

AHe stated that the law provides a framework to manage risks, protect consumers from fraud and money laundering, support innovation, and expand financial inclusion, especially among young people and tech-driven entrepreneurs.

QHow does Ghana rank in cryptocurrency adoption in Sub-Saharan Africa according to the Chainalysis report?

AGhana ranked among the top five Sub-Saharan African countries by total crypto value received between July 2024 and June 2025.

QWhat was the total on-chain value received by the Sub-Saharan Africa region and its growth rate?

AThe Sub-Saharan Africa region received over $205 billion in on-chain value, which is an increase of about 52% from the previous year.

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