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Key Takeaways Owning privacy coins like Monero, Zcash, and Dash stays legal in the EU, but regulated exchanges and custodians must stop offering them under the Anti-Money Laundering Regulation (AMLR), which applies from 10 July 2027. The rules bind regulated service providers, not individuals, so transfers between self-hosted wallets remain outside their scope. The shift is already underway: Kraken, Binance, and OKX have removed Monero across the European market well ahead of the deadline. In This Article The Short Answer What Privacy Coins Actually Are The Rule Behind the Headlines What Article 79 Prohibits Which Coins Are Affected How MiCA and the AMLR Fit Together What It Means for Exchanges and Users The Case for the Rules The Criticism and Legal Questions Why This Matters in 2026 The Short Answer Privacy coins are not being made illegal to own in Europe, but they are being pushed off regulated platforms.