{"id":234,"date":"2026-04-27T15:22:51","date_gmt":"2026-04-27T18:22:51","guid":{"rendered":"https:\/\/blog.xgateglobal.com\/?p=234"},"modified":"2026-04-27T15:22:51","modified_gmt":"2026-04-27T18:22:51","slug":"decripto-ir-2026-regras-cripto-empresas-compliance","status":"publish","type":"post","link":"https:\/\/blog.xgateglobal.com\/?p=234","title":{"rendered":"DeCripto e IR 2026: o que o compliance precisa saber sobre cripto na opera\u00e7\u00e3o"},"content":{"rendered":"<h2><b>DeCripto: por que o compliance n\u00e3o pode tratar como \u201cmais uma obriga\u00e7\u00e3o acess\u00f3ria\u201d<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A partir de 2026, a DeCripto inaugura uma nova fase de fiscaliza\u00e7\u00e3o no mercado de criptoativos no Brasil. A Instru\u00e7\u00e3o Normativa RFB n\u00ba 2.291\/2025 cria a Declara\u00e7\u00e3o de Criptoativos, que passa a ser obrigat\u00f3ria para pessoas f\u00edsicas, empresas e prestadores de servi\u00e7os que realizam opera\u00e7\u00f5es relevantes com criptoativos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Diferentemente da antiga IN 1.888\/2019, que ser\u00e1 revogada em julho de 2026, a DeCripto exige um n\u00edvel de detalhamento muito maior, com reporte mensal e anual, alinhado ao padr\u00e3o internacional do Crypto\u2011Asset Reporting Framework (CARF). Assim, o tema deixa de ser apenas \u201ctributa\u00e7\u00e3o de ganho de capital\u201d e passa a ser uma agenda estruturante de compliance, risco e integridade de dados.<\/span><\/p>\n<h2><b>O que a DeCripto exige das empresas na pr\u00e1tica<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">DeCripto consolida tudo o que envolve cripto. Assim, compras, vendas, permutas, transfer\u00eancias, staking, empr\u00e9stimos, pagamentos e perdas involunt\u00e1rias reportam\u2011se padronizados. Empresas e prestadores, por exemplo, enviam dados mensais e anuais. Isso inclui tipo de ativo, quantidade, valor em reais, contraparte e endere\u00e7o blockchain. Consequentemente, fechar conta anual n\u00e3o basta mais. Portanto, rastreabilidade cont\u00ednua torna\u2011se essencial.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Al\u00e9m disso, DeCripto fecha brechas de exchanges estrangeiras e DEXs. Logo, opera\u00e7\u00f5es fora de exchanges BR seguem crit\u00e9rios espec\u00edficos. Assim, limites disparam declara\u00e7\u00e3o mensal obrigat\u00f3ria.<\/span><\/p>\n<p><a href=\"https:\/\/blog.xgateglobal.com\/?p=128&amp;utm_source=blochchain&amp;utm_medium=solucaodeseguran%C3%A7a&amp;utm_campaign=blog&amp;utm_id=XGATE\"><span style=\"font-weight: 400;\">LER MAIS: Blockchain: A solu\u00e7\u00e3o para a seguran\u00e7a de dados nas transa\u00e7\u00f5es de cripto e stablecoins.<\/span><\/a><\/p>\n<h2><b>DeCripto, IR 2026 e o papel do compliance na escolha de parceiros<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Para \u00e1reas de compliance, a DeCripto muda a l\u00f3gica de escolha de parceiros de infraestrutura cripto. N\u00e3o se trata s\u00f3 de seguran\u00e7a tecnol\u00f3gica ou custo de transa\u00e7\u00e3o, mas da capacidade do parceiro de entregar dados confi\u00e1veis no formato exigido pela Receita.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A partir de julho de 2026, empresas precisar\u00e3o responder a perguntas como:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O parceiro entrega extratos com todas as opera\u00e7\u00f5es estruturadas para DeCripto (mensal e anual)?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u00e1 clareza sobre quem \u00e9 o custodiante, onde os ativos est\u00e3o e como s\u00e3o tratadas opera\u00e7\u00f5es em DEXs?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A infraestrutura registra, de forma audit\u00e1vel, swaps, staking e movimenta\u00e7\u00f5es internas entre carteiras?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Assim, compliance deixa de atuar s\u00f3 na \u201cponta jur\u00eddica\u201d e passa a influenciar a arquitetura de sistemas e a sele\u00e7\u00e3o de provedores, inclusive na escolha de rails de pagamento cripto usados pela tesouraria ou por times de produto.<\/span><\/p>\n<h2><b>Como a XGATE se posiciona frente \u00e0 DeCripto<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Nesse novo contexto, uma infraestrutura como a da XGATE precisa ser vista como parceira de compliance, al\u00e9m de solu\u00e7\u00e3o de pagamentos. Isso significa operar com stablecoins e rails cripto de maneira que facilite o reporte DeCripto. Organizamos dados em n\u00edvel transacional, preservando hist\u00f3rico completo de convers\u00f5es, e integrando\u2011se com as rotinas cont\u00e1beis e fiscais da empresa.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Al\u00e9m disso, quando a empresa decide qual trilho usar para um pagamento seja banco tradicional, PIX ou cripto, o compliance passa a considerar n\u00e3o s\u00f3 risco de fraude ou lavagem, mas tamb\u00e9m facilidade de reporte fiscal.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A DeCripto n\u00e3o \u00e9 s\u00f3 mais um formul\u00e1rio. Ela \u00e9 um convite para que compliance sente \u00e0 mesa com tesouraria, contabilidade, jur\u00eddico e tecnologia, redesenhando como a empresa lida com criptoativos na opera\u00e7\u00e3o di\u00e1ria.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ficou alguma d\u00favida?<\/span><\/p>\n<p><a href=\"https:\/\/xgateglobal.com\/register\/ptbr\/index.html?utm_source=fale+&amp;utm_medium=conosco+formulario&amp;utm_campaign=site&amp;utm_id=XGATE\"><span style=\"font-weight: 400;\">Fale com um especialista XGATE<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>DeCripto: por que o compliance n\u00e3o pode tratar como \u201cmais uma obriga\u00e7\u00e3o acess\u00f3ria\u201d A partir de 2026, a DeCripto inaugura uma nova fase de fiscaliza\u00e7\u00e3o no mercado de criptoativos no Brasil. A Instru\u00e7\u00e3o Normativa RFB n\u00ba 2.291\/2025 cria a Declara\u00e7\u00e3o de Criptoativos, que passa a ser obrigat\u00f3ria para pessoas f\u00edsicas, empresas e prestadores de servi\u00e7os [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":235,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[35,89,88,90,91,22],"class_list":["post-234","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-compliance","tag-criptofiscal","tag-decripto","tag-imposto-de-renda","tag-receita-federal","tag-xgate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>DeCripto e IR 2026: o que o compliance precisa saber sobre cripto na opera\u00e7\u00e3o -<\/title>\n<meta name=\"description\" content=\"Entenda como a DeCripto e o IR 2026 mudam o reporte de 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