Ghana’s Central Bank Confirms Bitcoin and Crypto Regulations By 2025

Ghana plans to introduce Bitcoin and crypto regulations by 2025, aiming for a balanced approach to innovation and protection.

Sub-Saharan Africa is rapidly adopting cryptocurrency, with Ghana set to become the 9th country to regulate digital assets.

Other African nations like South Africa, Nigeria, and Mauritius have already established crypto regulations.

As Africa experiences a rapid rise in cryptocurrency usage, Ghana is set to join the movement. The country’s central bank has announced plans to introduce comprehensive Bitcoin and crypto regulations by the end of 2025. With nearly 3 million Ghanaians already involved in cryptocurrency trading, these regulations will aim to balance innovation and consumer protection.

A Growing Crypto Hub in Africa

The Sub-Saharan Africa is currently among the most rapidly expanding regions in terms of cryptocurrency adoption. The use of digital assets surges through the application of retail investors and grassroots activity. Ghana, which has about 9 per cent of the total population trading cryptocurrency, is seeking to institutionalize the industry by enforcing effective regulations. Ghana will be the ninth African nation to enact the digital asset laws by 2025.

South Africa has led the pack in crypto regulation Africa. In 2022, the country has regulated cryptocurrency as a financial product by its financial advisory and intermediary Services Act. This step subjected crypto exchange and virtual asset service providers (VASPs) to regulation. South Africa is still on the way to perfecting the rules on crypto transfer across borders and is likely to experience the industry to expand by almost 8% in 2028.

Mauritius and Botswana Set Precedents

Mauritius already has in place the Virtual Asset and Initial Token Offering Services Act of 2022. The legislation has established some clear exchanges, wallets, token issuers, and custodians in accordance with international standards. In 2022, Botswana passed the Virtual Assets Act, which involves registering VASPs with Non-Bank Financial Institutions Regulatory Authority (NBFIRA). All these regulatory measures have served to create safer grounds to crypto businesses in the two nations.

Other countries are also taking steps to control digital assets. In April 2025, the government of Nigeria officially recognized crypto as securities. These subjects are subject to the jurisdiction of the Securities and Exchange Commission. There is also crypto legislation proposed or underway in Namibia, Tanzania, and Kenya. Such countries take various paths, as Tanzania levies a levy on crypto transactions, and Kenya is currently planning to license stablecoin issuers and exchanges by the end of 2025.Ghana is setting itself up as a major player in the African crypto industry as it prepares its complete crypto regulations. As more people join the crypto community, the Bank of Ghana seeks to guarantee the protection of consumers and innovation. The digital asset laws in Ghana will not just offer a legal framework by the end of 2025, but they will also contribute to the regulatory advancements on the continent.