Japan Unveils 2026 Tax Reform: Focus on Crypto Rules

Jakarta, Pintu News – Japan’s Financial Services Agency (FSA) has revealed an outline of its proposed tax reform for 2026, which includes plans to revise the taxation of crypto assets and expand the Nippon Individual Savings Account (NISA) framework.

According to a Kyodo News report, the FSA’s proposed reforms include a review of tax rules related to the trading of crypto assets such as Bitcoin.

FSA Proposes Tax Revision on Crypto Assets

Individual profits from crypto trading are currently subject to comprehensive taxation, where they are combined with income such as salary, so they can be subject to a maximum tax rate of up to 55%.

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The FSA and industry associations are now pushing for a separate tax system based on personal declarations, or the so-called “declaration-based capital gains tax,” with a flat rate of about 20%, similar to the tax on shares.

The aim of this proposal is to create a fairer taxation system and encourage wider participation in digital asset trading.

Another important proposal is the introduction of a loss carry-forward mechanism for crypto trading. The current rules do not allow investors to offset losses with future gains, limiting risk management options.

Industry groups are proposing a three-year carry-forward system, similar to the rules in the stock market. This move is expected to reduce investment risk and lower barriers for retail investors.

The FSA plans to submit this proposal to the Ministry of Finance before the end of August, and will continue discussions with the ruling party coalition until the end of the year. The government aims to pass the relevant law at the regular Diet session in 2026.

NISA Expansion May Support Crypto Investments

In addition to crypto asset taxation reforms, the FSA’s proposed reforms also include expanding the eligibility of the NISA program to cover all age groups, including children and the elderly.

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While NISA does not currently cover crypto assets, investors can utilize this broader tax-based scheme to indirectly support crypto trading activities.

NISA allows households to invest in stocks and mutual funds with great flexibility in terms of buying and selling and disbursement. Through this investment, investors can secure cash which can then be used for crypto asset trading.

These reforms strengthen the retail investment ecosystem in Japan and lower entry barriers for new investors. As the world’s third-largest economy, Japan has great potential in cryptocurrency adoption and investment.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• BeInCrypto. Japan FSA Reveals 2026 Tax Reform Request. Accessed on August 28, 2025