What US Crypto Users Need to Know About Taxes in 2026

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For US crypto users, 2026 brings clearer — and stricter — tax enforcement. Crypto assets sold or swapped remain taxable events, with long-term holdings (over one year) taxed at 0%–20%, while short-term gains are taxed as ordinary income at rates between 10% and 37%. The major shift comes in reporting requirements, which aim to close long-standing compliance gaps.

Beginning in January 2026, centralized crypto exchanges must report cost basis information directly to the IRS. This means users can expect more accurate tax forms — and less room for error or omission. According to Coinbase, these requirements do not apply to decentralized exchanges, but regulators have made it clear that transparency expectations for centralized platforms are no longer optional.

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funny how Coinbase is basically like “dex users youre on your own”