Why Did senate-review">Poland’s Lower House Reapprove the Crypto-Asset Market Act After Presidential Veto?

Poland’s lower house (Sejm) reapproved the Crypto-Asset Market Act on December 19, 2025, following a presidential veto that raised concerns about the law’s impact on innovation. This legislative persistence highlights ongoing tensions between regulatory oversight and fostering a competitive crypto ecosystem in Poland, a dynamic with implications for the country’s economic modernization and its role in the European crypto market.

What happened

The Crypto-Asset Market Act, designed to regulate Poland’s burgeoning crypto sector, was initially passed by the Sejm but vetoed by President Andrzej Duda. The President’s veto, reported by Reuters, was grounded in worries that the bill’s regulatory framework could excessively restrict market innovation and impose heavy burdens on crypto startups. The Act itself proposes licensing requirements for crypto firms, anti-money laundering (AML) provisions, and consumer protection measures, aiming to bring clarity and control to the sector.

On December 19, 2025, the lower house reapproved the bill, this time incorporating minor amendments intended to address some of the President’s concerns. However, the core elements of the law—particularly the strict licensing and AML rules—remained intact, signaling a commitment to regulatory oversight. Following this reapproval, the bill was sent back to the Senate for further review before returning to the President for a final decision.

Reactions within the Polish crypto industry have been mixed. According to Cointelegraph, some groups welcomed the regulatory clarity the law promises, while others expressed apprehension about potential constraints on innovation and increased compliance costs. These responses reflect a sector divided over the balance between regulation and freedom.

Why this matters

The repeated approval of the Crypto-Asset Market Act despite a presidential veto underscores a strong parliamentary consensus favoring tighter regulation of the crypto market. This suggests a political determination to assert government control over a sector perceived as both rapidly evolving and potentially risky. The legislative persistence indicates that lawmakers prioritize consumer protection and AML compliance over concerns that regulation might dampen innovation.

President Duda’s initial veto and calls for innovation-friendly amendments reveal a countervailing emphasis on fostering a competitive, dynamic crypto ecosystem in Poland. The tension between these positions illustrates a broader policy struggle: how to modernize the economy by embracing new technologies while maintaining traditional regulatory safeguards.

This legislative back-and-forth also reflects wider political divisions in Poland about economic modernization. The crypto sector, as an emerging market, sits at the intersection of competing priorities—encouraging technological advancement and protecting financial stability. The outcome of this process will likely influence Poland’s standing in the European crypto landscape, where regulatory clarity and innovation-friendly environments are increasingly important.

What remains unclear

Despite the available information, key details about the amended bill remain undisclosed. The specific nature of the minor amendments made after the presidential veto is not fully detailed in public sources, leaving open the question of whether these changes meaningfully address the innovation concerns raised by President Duda.

Furthermore, the stance of the Senate on the reapproved bill is not yet known. It remains unclear whether the Senate will approve the legislation as is, propose further modifications, or reject it. Similarly, there is no comprehensive information about the positions of key political factions within the Senate or the President’s office regarding the bill.

From an industry perspective, there is no quantitative data on how Polish crypto startups and investors assess the Act’s potential impact on their operations. The absence of empirical evidence on compliance costs and innovation effects limits understanding of the law’s practical consequences.

Finally, the longer-term implications for Poland’s competitiveness in the European crypto market under this regulatory framework have not been analyzed in current sources, leaving an important dimension of this policy development unexamined.

What to watch next

The Senate’s review and vote on the reapproved Crypto-Asset Market Act, including any further amendments or rejection.
The President’s final decision following the Senate’s action, determining whether the bill will become law or face another veto.
Detailed disclosures or official documentation clarifying the specific amendments made to the bill after the initial veto.
Statements or positions from key political factions within the Senate and executive branch that could influence the bill’s trajectory.
Emerging data or industry feedback on the regulatory burden and innovation impact once the law is implemented or if more information becomes available.

The reapproval of Poland’s Crypto-Asset Market Act after a presidential veto reveals a fundamental tension between regulatory control and innovation in the country’s approach to crypto markets. While the parliamentary majority appears determined to enforce stricter oversight, important questions remain about the bill’s detailed provisions, political dynamics in the Senate, and the practical effects on the crypto industry. How these issues unfold will be critical for understanding Poland’s regulatory direction and its position within the broader European crypto ecosystem.

Source: https://www.coindesk.com/policy/2025/12/19/poland-s-lower-house-approves-crypto-law-again-sends-vetoed-bill-back-to-senate. This article is based on verified research material available at the time of writing. Where information is limited or unavailable, this is stated explicitly.