The Bank of Ghana is preparing to roll out a comprehensive cryptocurrency regulatory framework in a move aimed at stabilizing the national economy and capturing revenue from the country’s surging digital asset market, according to Bloomberg.
The draft legislation is expected to be presented to parliament by September 2025, marking a pivotal step in bringing Ghana’s fast-growing crypto sector under formal oversight.
???? JUST IN: Ghana set to officially license and regulate crypto platforms. ????????
Africa’s crypto wave just got a major boost! pic.twitter.com/lUE5PcGwyq
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Over $3 billion in crypto transactions were recorded in the year leading up to June 2024, placing Ghana among the most active cryptocurrency markets in Africa. Roughly 17.3% of Ghana’s adult population an estimated 3 million people currently own or use digital assets, according to data from Zawya. Yet, most of this activity remains unregulated, posing significant challenges to monetary policy and financial stability.
Central Bank Governor Johnson Asiama confirmed that the regulatory framework will include a licensing regime for cryptocurrency platforms. This will enable the bank to monitor digital transactions, enforce compliance, and capture taxable revenue. The broader objective is to integrate crypto flows into national accounts and limit the economic distortions caused by untracked digital assets.
Ghana’s crypto boom is part of a broader $125 billion Web3 movement sweeping sub-Saharan Africa, according to Del Titus Bawuah, CEO of Web3 Africa Group. He emphasized that Ghana must catch up with global innovation to remain competitive and financially stable.
The proposed regulation aims to increase market transparency, foster responsible innovation, and position Ghana as a secure and forward-thinking hub for digital assets. Authorities believe the framework will help protect the country’s financial system while enabling it to participate meaningfully in the evolving Web3 economy.
Meanwhile, global platforms are taking notice. Blockchain.com, one of the world’s leading crypto wallet and exchange providers, is accelerating its expansion into Africa as the region moves toward regulatory clarity. The company’s General Manager for Africa, Owenize Odia, confirmed that Ghana, Nigeria, Kenya, and South Africa are top targets for their regional growth strategy.
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