What changes on 1 January 2026, how CARF works, and how to prepare calmly (without panic). From 1 January 2026, HMRC will begin receiving an automatic daily feed of UK crypto users’ activity from participating exchanges via the Crypto-Asset Reporting Framework (CARF). Think: deposits, withdrawals, trades, fees, and—via chain-analysis—the flows to and from self-custody. This doesn’t remove your duty to file; it just means HMRC can cross-check what you file. Below is a clear, plain-English rundown of the 15 most-asked questions (and what to do next).

What HMRC’s 2026 reporting rules mean for crypto investors — and how to prepare without panic. HMRC has just made a move that could change the landscape for UK crypto holders. From January 1, 2026, every major exchange will be required to share your trading data directly with HMRC. Combine that with their new AI-driven Connect system, and the era of “grey area” crypto tax reporting is over. Here’s what’s changing, why it feels invasive, and the steps you can take to stay calm and compliant.

Crypto tax laws are changing globally. Learn how HMRC’s 2026 rules and CARF affect investors, and discover strategies to protect your crypto profits.