Crypto Accountants

Crypto Accountants Unlike your regular accountant, we understand blockchain, web3, metaverse, DEFI, NFT and more.

We are experts in UK & international crypto tax, and provide CFO & accounting services for businesses involved in blockchain and crypto.

๐€ ๐ญ๐ซ๐š๐๐ž ๐ข๐ฌ ๐š ๐๐ข๐ฌ๐ฉ๐จ๐ฌ๐š๐ฅ. ๐„๐“๐‡โ†’๐๐“๐‚ ๐œ๐จ๐ฎ๐ง๐ญ๐ฌ ๐Ÿ๐จ๐ซ ๐ ๐จ๐ฏ๐ž๐ซ๐ง๐ฆ๐ž๐ง๐ญ ๐ญ๐š๐ฑ. You swap ETH for BTC on an exchange. You never convert to GBP....
23/06/2026

๐€ ๐ญ๐ซ๐š๐๐ž ๐ข๐ฌ ๐š ๐๐ข๐ฌ๐ฉ๐จ๐ฌ๐š๐ฅ. ๐„๐“๐‡โ†’๐๐“๐‚ ๐œ๐จ๐ฎ๐ง๐ญ๐ฌ ๐Ÿ๐จ๐ซ ๐ ๐จ๐ฏ๐ž๐ซ๐ง๐ฆ๐ž๐ง๐ญ ๐ญ๐š๐ฑ.

You swap ETH for BTC on an exchange. You never convert to GBP. You think no tax event happened. You're wrong.

This is one of the biggest compliance gaps in UK crypto. Most traders think capital gains tax only applies when you sell crypto for fiat currency. When you convert to GBP, you pay tax. Until then, you are fine.

HMRC disagrees. Every crypto-to-crypto trade is a disposal event.

ETHโ†’BTC is a disposal of ETH.

ETHโ†’USDC is a disposal of ETH.

ETHโ†’DOGE is a disposal of ETH.

Each one triggers capital gains tax.

The calculation: you sold ETH at its fair market value in GBP on that day. You had a capital gain or loss. You owe tax on the gain. No fiat conversion required.

Most UK traders don't report this. They only report when they finally exit to GBP. When they do HMRC's audit and discover all the unreported trades the penalties multiply.

โ†’ Every crypto-to-crypto trade = a disposal event

โ†’ Taxed on the GBP value on the day of the trade

โ†’ Capital gains tax applies whether or not you converted to fiat

โ†’ Missing these trades = severe penalties when discovered

โ†’ Your cost basis for future trades starts at that FMV

Imagine you did 50 trades between coins last year and reported none of them. HMRC will see every single one on the blockchain. You owe tax on 50 disposal events. Back taxes. Interest. Penalties.

If you've been actively trading between coins, you need to get your records in order now.

๐Ÿ“ž Call Crypto Accountants: 0208 638 5800

๐ŸŒ Visit: www.cryptoaccountants.live

๐Ÿ“Œ Free Crypto Accountants consultation: https://calendly.com/umer-cryptoaccountants/30min

๐’๐ญ๐š๐ค๐ข๐ง๐  ๐ซ๐ž๐ฐ๐š๐ซ๐๐ฌ ๐š๐ซ๐ž ๐ข๐ง๐œ๐จ๐ฆ๐ž. ๐๐จ๐ญ ๐œ๐š๐ฉ๐ข๐ญ๐š๐ฅ ๐ ๐š๐ข๐ง๐ฌ. A staking reward is: hold an asset, earn new coins. Many UK traders think...
20/06/2026

๐’๐ญ๐š๐ค๐ข๐ง๐  ๐ซ๐ž๐ฐ๐š๐ซ๐๐ฌ ๐š๐ซ๐ž ๐ข๐ง๐œ๐จ๐ฆ๐ž. ๐๐จ๐ญ ๐œ๐š๐ฉ๐ข๐ญ๐š๐ฅ ๐ ๐š๐ข๐ง๐ฌ.

A staking reward is: hold an asset, earn new coins.

Many UK traders think they only pay tax when they sell. Wrong. HMRC taxes staking rewards as income when you receive them.

The taxable amount is the Fair Market Value on day one.

Your cost basis for tax purposes starts at that FMV. Then if the price falls before you sell, you have a capital loss. If it rises, you have a capital gain.

But the income tax hit happens immediately.

Thousands of UK stakers don't report this. They follow guides from other countries where staking has different treatment. Or they assume DeFi rewards work like interest; tax-deferred until withdrawal. They don't.

โ†’ Staking income is assessed on the day you earn it.
โ†’ You owe income tax at your marginal rate (20%, 40%, 45%).
โ†’ Capital gains come later when you sell.
โ†’ Missing this costs you penalties and back taxes.

If you have been staking and haven't reported it, HMRC's compliance push on crypto means this is being caught.

๐Ÿ“ž 0208 638 5800
๐ŸŒ www.cryptoaccountants.live
๐Ÿ“Œ Free consultation: https://lnkd.in/dHBFeSe5

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Wash sales are an American tax strategy. The IRS blocks them. The UK has no wash sale rule. HMRC doesn't block anything....
19/06/2026

Wash sales are an American tax strategy. The IRS blocks them. The UK has no wash sale rule. HMRC doesn't block anything. You get the loss either way. Waiting 31 days changes nothing. But traders still pay ยฃ40-100 in fees trying it anyway.

๐Ÿ“ž 0208 638 5800

๐ŸŒ www.cryptoaccountants.live

๐Ÿ“Œ https://calendly.com/umer-cryptoaccountants/30min

๐‡๐ž ๐ฌ๐ฐ๐š๐ฉ๐ฉ๐ž๐ ๐„๐“๐‡ ๐Ÿ๐จ๐ซ ๐’๐Ž๐‹. ๐๐จ ๐œ๐š๐ฌ๐ก ๐ฆ๐จ๐ฏ๐ž๐. ๐‡๐ž ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐จ๐ฐ๐ž๐ ๐ญ๐š๐ฑ.It almost always starts with the same surprised question: "But ...
17/06/2026

๐‡๐ž ๐ฌ๐ฐ๐š๐ฉ๐ฉ๐ž๐ ๐„๐“๐‡ ๐Ÿ๐จ๐ซ ๐’๐Ž๐‹. ๐๐จ ๐œ๐š๐ฌ๐ก ๐ฆ๐จ๐ฏ๐ž๐. ๐‡๐ž ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐จ๐ฐ๐ž๐ ๐ญ๐š๐ฑ.

It almost always starts with the same surprised question: "But I didn't take any money outโ€ฆ how can I owe anything?"

๐“๐ก๐ž ๐ญ๐ซ๐š๐๐ž: he bought ETH at ยฃ1,200, then swapped it for SOL when ETH was worth ยฃ2,000. To him, nothing happened: same money, different coin, still in his wallet.

To HMRC, he sold ETH at ยฃ2,000. That ยฃ800 gain is taxable, and due in real pounds that never reached his bank.

This is the gap that catches people:

โ†’ ๐€ ๐ฌ๐ฐ๐š๐ฉ ๐Ÿ๐ž๐ž๐ฅ๐ฌ ๐ฅ๐ข๐ค๐ž ๐ฆ๐จ๐ฏ๐ข๐ง๐  ๐ฆ๐จ๐ง๐ž๐ฒ ๐ฌ๐ข๐๐ž๐ฐ๐š๐ฒ๐ฌ. ๐ˆ๐ญ'๐ฌ ๐ญ๐š๐ฑ๐ž๐ ๐ฅ๐ข๐ค๐ž ๐š ๐ฌ๐š๐ฅ๐ž.

โ†’ ๐“๐ก๐ž ๐ ๐š๐ข๐ง ๐ข๐ฌ ๐ฅ๐จ๐œ๐ค๐ž๐ ๐ข๐ง ๐ญ๐ก๐ž ๐ฆ๐จ๐ฆ๐ž๐ง๐ญ ๐ฒ๐จ๐ฎ ๐ฌ๐ฐ๐š๐ฉ, ๐ง๐จ๐ญ ๐ฐ๐ก๐ž๐ง ๐ฒ๐จ๐ฎ ๐œ๐š๐ฌ๐ก ๐จ๐ฎ๐ญ.

โ†’ ๐ƒ๐จ ๐ข๐ญ ๐š ๐๐จ๐ณ๐ž๐ง ๐ญ๐ข๐ฆ๐ž๐ฌ ๐ข๐ง ๐š ๐ฒ๐ž๐š๐ซ, ๐š๐ง๐ ๐ฒ๐จ๐ฎ ๐›๐ฎ๐ข๐ฅ๐ ๐š ๐ซ๐ž๐š๐ฅ ๐ญ๐š๐ฑ ๐›๐ข๐ฅ๐ฅ ๐ฐ๐ข๐ญ๐ก๐จ๐ฎ๐ญ ๐ž๐ฏ๐ž๐ซ ๐ฌ๐ž๐ž๐ข๐ง๐  ๐š ๐ฐ๐ข๐ญ๐ก๐๐ซ๐š๐ฐ๐š๐ฅ.

Swapping isn't wrong. It's just a taxable event you should know about before you make it, not discover at filing time.

The people who get caught out aren't reckless; they're working from an instinct ("no cash, no tax") that isn't how crypto is treated in the UK.

If you've been actively swapping, it's worth knowing where you stand before HMRC works it out for you.

๐Ÿ“ž ๐ŸŽ๐Ÿ๐ŸŽ๐Ÿ– ๐Ÿ”๐Ÿ‘๐Ÿ– ๐Ÿ“๐Ÿ–๐ŸŽ๐ŸŽ

๐ŸŒ ๐ฐ๐ฐ๐ฐ.๐œ๐ซ๐ฒ๐ฉ๐ญ๐จ๐š๐œ๐œ๐จ๐ฎ๐ง๐ญ๐š๐ง๐ญ๐ฌ.๐ฅ๐ข๐ฏ๐ž

๐Ÿ“Œ ๐…๐ซ๐ž๐ž ๐œ๐จ๐ง๐ฌ๐ฎ๐ฅ๐ญ๐š๐ญ๐ข๐จ๐ง: ๐ก๐ญ๐ญ๐ฉ๐ฌ://๐œ๐š๐ฅ๐ž๐ง๐๐ฅ๐ฒ.๐œ๐จ๐ฆ/๐ฎ๐ฆ๐ž๐ซ-๐œ๐ซ๐ฒ๐ฉ๐ญ๐จ๐š๐œ๐œ๐จ๐ฎ๐ง๐ญ๐š๐ง๐ญ๐ฌ/๐Ÿ‘๐ŸŽ๐ฆ๐ข๐ง

๐“๐ก๐ž ๐ญ๐š๐ฑ-๐Ÿ๐ซ๐ž๐ž ๐š๐ฅ๐ฅ๐จ๐ฐ๐š๐ง๐œ๐ž ๐ฒ๐จ๐ฎ'๐ซ๐ž ๐ฉ๐ข๐œ๐ญ๐ฎ๐ซ๐ข๐ง๐  ๐ก๐š๐ฌ ๐ฉ๐ซ๐จ๐›๐š๐›๐ฅ๐ฒ ๐ฌ๐ก๐ซ๐ฎ๐ง๐ค. A lot of UK crypto holders are working from an old number. ...
15/06/2026

๐“๐ก๐ž ๐ญ๐š๐ฑ-๐Ÿ๐ซ๐ž๐ž ๐š๐ฅ๐ฅ๐จ๐ฐ๐š๐ง๐œ๐ž ๐ฒ๐จ๐ฎ'๐ซ๐ž ๐ฉ๐ข๐œ๐ญ๐ฎ๐ซ๐ข๐ง๐  ๐ก๐š๐ฌ ๐ฉ๐ซ๐จ๐›๐š๐›๐ฅ๐ฒ ๐ฌ๐ก๐ซ๐ฎ๐ง๐ค.

A lot of UK crypto holders are working from an old number. The annual Capital Gains tax-free allowance has fallen from ยฃ12,300 to just ยฃ3,000 in 3-4 years a 75% cut.

The same gains that were tax-free a couple of years ago can now sit over the line and with crypto, swaps and stablecoin conversions count too, not just cashing out.

If you haven't looked at your position since the allowance was higher, it's worth a fresh look while it's still easy to put right.

๐Ÿ“ž Call: 0208 638 5800

๐ŸŒ Visit: www.cryptoaccountants.live

๐Ÿ“Œ Book a FREE consultation: https://calendly.com/umer-cryptoaccountants/30min

Everyone's worried about their 2026 crypto data.HMRC won't even receive it until 31 May 2027.The bigger risk? Your OLD e...
13/06/2026

Everyone's worried about their 2026 crypto data.

HMRC won't even receive it until 31 May 2027.

The bigger risk? Your OLD exchange history is already visible โ€” and it gets matched against the returns you've already filed.

Ask yourself:
โ†’ Filed for every year you traded?
โ†’ Declared swaps & conversions?
โ†’ Records match the exchange's?

Fixing past returns now beats an HMRC letter later.

http://cryptoaccountants.live

The quiet rule change that affects every UK crypto holder is now live.Since 1 January 2026, the Crypto-Asset Reporting F...
12/06/2026

The quiet rule change that affects every UK crypto holder is now live.

Since 1 January 2026, the Crypto-Asset Reporting Framework (CARF) requires UK exchanges and crypto platforms to collect your name, address, tax residency, NI number/UTR, wallet details and report every transaction to HMRC automatically. Conversions, swaps, transfers, stablecoin payments, even crypto card spending.

What that means in practice:

โ†’ HMRC no longer has to ask. The data feed is automatic.
โ†’ The first reports land on 31 May 2027 covering everything you do (this year).
โ†’ 48 countries are already exchanging this data. Offshore platforms aren't a blind spot anymore.
โ†’ Give a platform wrong or missing details and you face a ยฃ300 penalty per platform.

Here's the part most people miss: when the 2026 data reaches HMRC, it gets cross-referenced against past Self Assessment filings. Gaps from previous years become visible too. Unprompted disclosure now is dramatically cheaper than a nudge letter later.

We're ACCA-chartered accountants who work exclusively in crypto reconciliation across every wallet and chain, HMRC-ready returns, and disclosures done properly.

If your records aren't ready for this level of visibility, let's fix that before HMRC writes first.

๐Ÿ“ž 0208 638 5800 ยท cryptoaccountants.live

UK businesses: your crypto self-assessment probably has gaps. Crypto received as payment, declared as income? Token swap...
11/06/2026

UK businesses: your crypto self-assessment probably has gaps.

Crypto received as payment, declared as income? Token swaps, reported as disposals? Staking and DeFi yields, on the return? Cost base records, complete and timestamped?

HMRC's AI is now cross-checking your return against exchange data directly. Honest mistakes carry a 30% fine.

Deliberate omissionsโ€ฆ up to 100%.

Get a specialist across your records before it becomes a problem. ๐Ÿ“Œ https://calendly.com/admin-cryptoaccountants/30min

๐”๐Š ๐œ๐ซ๐ฒ๐ฉ๐ญ๐จ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ ๐š๐ง๐ ๐ฉ๐ฅ๐š๐ญ๐Ÿ๐จ๐ซ๐ฆ๐ฌ: ๐‚๐€๐‘๐… ๐ข๐ฌ ๐ง๐จ๐ฐ ๐ข๐ง ๐Ÿ๐จ๐ซ๐œ๐ž. ๐๐จ๐ง-๐œ๐จ๐ฆ๐ฉ๐ฅ๐ข๐š๐ง๐œ๐ž ๐ข๐ฌ ๐ง๐จ ๐ฅ๐จ๐ง๐ ๐ž๐ซ ๐š ๐ซ๐ข๐ฌ๐ค. ๐ˆ๐ญ ๐ข๐ฌ ๐š ๐œ๐ž๐ซ๐ญ๐š๐ข๐ง๐ญ๐ฒ. Since 1 ...
10/06/2026

๐”๐Š ๐œ๐ซ๐ฒ๐ฉ๐ญ๐จ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐จ๐ซ๐ฌ ๐š๐ง๐ ๐ฉ๐ฅ๐š๐ญ๐Ÿ๐จ๐ซ๐ฆ๐ฌ: ๐‚๐€๐‘๐… ๐ข๐ฌ ๐ง๐จ๐ฐ ๐ข๐ง ๐Ÿ๐จ๐ซ๐œ๐ž. ๐๐จ๐ง-๐œ๐จ๐ฆ๐ฉ๐ฅ๐ข๐š๐ง๐œ๐ž ๐ข๐ฌ ๐ง๐จ ๐ฅ๐จ๐ง๐ ๐ž๐ซ ๐š ๐ซ๐ข๐ฌ๐ค. ๐ˆ๐ญ ๐ข๐ฌ ๐š ๐œ๐ž๐ซ๐ญ๐š๐ข๐ง๐ญ๐ฒ.

Since 1 January 2026, UK crypto platforms are legally required to report all user accounts and transaction data to HMRC. That means every trade, every swap, every reward is now visible, whether you declared it or not.

For businesses and platforms, the clock has already started. First CARF reports are due by 31 May 2027, covering all of 2026. That is not far away when the compliance infrastructure takes time to build.

Do not wait for a letter to find out where you stand.

๐Ÿ“Œ Book a FREE consultation. https://calendly.com/admin-cryptoaccountants/30min

๐…๐จ๐ซ ๐ฒ๐ž๐š๐ซ๐ฌ, ๐œ๐ซ๐ฒ๐ฉ๐ญ๐จ ๐ก๐จ๐ฅ๐๐ž๐ซ๐ฌ ๐ฐ๐ž๐ซ๐ž ๐ญ๐จ๐ฅ๐ ๐ญ๐ก๐ž๐ข๐ซ ๐ฐ๐ž๐š๐ฅ๐ญ๐ก ๐๐จ๐ž๐ฌ๐ง'๐ญ ๐œ๐จ๐ฎ๐ง๐ญ ๐ฐ๐ก๐ž๐ซ๐ž ๐ข๐ญ ๐ฆ๐š๐ญ๐ญ๐ž๐ซ๐ฌ ๐ฆ๐จ๐ฌ๐ญ. ๐“๐ก๐š๐ญ ๐ข๐ฌ ๐œ๐ก๐š๐ง๐ ๐ข๐ง๐ . Coinbase and Bet...
09/06/2026

๐…๐จ๐ซ ๐ฒ๐ž๐š๐ซ๐ฌ, ๐œ๐ซ๐ฒ๐ฉ๐ญ๐จ ๐ก๐จ๐ฅ๐๐ž๐ซ๐ฌ ๐ฐ๐ž๐ซ๐ž ๐ญ๐จ๐ฅ๐ ๐ญ๐ก๐ž๐ข๐ซ ๐ฐ๐ž๐š๐ฅ๐ญ๐ก ๐๐จ๐ž๐ฌ๐ง'๐ญ ๐œ๐จ๐ฎ๐ง๐ญ ๐ฐ๐ก๐ž๐ซ๐ž ๐ข๐ญ ๐ฆ๐š๐ญ๐ญ๐ž๐ซ๐ฌ ๐ฆ๐จ๐ฌ๐ญ. ๐“๐ก๐š๐ญ ๐ข๐ฌ ๐œ๐ก๐š๐ง๐ ๐ข๐ง๐ .

Coinbase and Better Home & Finance are launching a crypto-backed mortgage product this summer that lets qualified borrowers use Bitcoin or USDC as collateral for down payments on Fannie Mae-backed home loans.

This is not a pilot. It is a product launch.

The groundwork was laid in June 2025 when the FHFA directed Fannie Mae and Freddie Mac to recognise crypto as an asset in mortgage risk assessments, without requiring conversion to fiat. Newrez followed in February.

Now, Coinbase and Better are bringing it to scale.

For a lot of crypto holders, this solves a real problem:

โ†’ ๐๐ฎ๐š๐ฅ๐ข๐Ÿ๐ข๐ž๐ ๐จ๐ง ๐ž๐ฏ๐ž๐ซ๐ฒ ๐ฆ๐ž๐š๐ฌ๐ฎ๐ซ๐ž ๐ญ๐ก๐š๐ญ ๐ฆ๐š๐ญ๐ญ๐ž๐ซ๐ฌ: income, credit, employment but locked out because your wealth sits in BTC, not a savings account.

โ†’ ๐’๐ž๐ฅ๐ฅ๐ข๐ง๐  ๐œ๐ซ๐ฒ๐ฉ๐ญ๐จ ๐ญ๐จ ๐Ÿ๐ฎ๐ง๐ ๐š ๐๐จ๐ฐ๐ง ๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ ๐ญ๐ซ๐ข๐ ๐ ๐ž๐ซ๐ฌ ๐š ๐ญ๐š๐ฑ๐š๐›๐ฅ๐ž ๐ž๐ฏ๐ž๐ง๐ญ. Using it as collateral instead keeps your position intact and your tax exposure in check.

โ†’ ๐“๐ก๐ž ๐ซ๐ž๐ ๐ฎ๐ฅ๐š๐ญ๐จ๐ซ๐ฒ ๐ญ๐š๐ข๐ฅ๐ฐ๐ข๐ง๐ ๐ข๐ฌ ๐ซ๐ž๐š๐ฅ. With the 21st Century Mortgage Act in motion and regulators leaning in, this structure is only going to become more common.

But using crypto for real estate comes with its share of complexity. Collateral arrangements, cost basis tracking, capital gains exposure, and reporting obligations do not disappear just because you did not sell.

If you are planning to use digital assets in a property transaction, get the accounting right before you sign anything.

๐Ÿ‘‡ Would you use your crypto holdings to fund a home purchase?

๐Ÿ“Œ Book a FREE consultation. Let's talk. https://calendly.com/admin-cryptoaccountants/30min

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