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Qatar

Retail_Trading_Status

Banned Unknown
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Analysis ID
#314
Version
Archived
Created
2025-06-26 09:21
Workflow Stage
Initial Research

Executive Summary

Qatar maintains a restrictive stance on cryptocurrencies for retail investors, primarily enforced by the Qatar Central Bank (QCB) and the Qatar Financial Centre Regulatory Authority (QFCRA). These regulators have issued warnings and prohibitions against dealing with cryptocurrencies due to concerns about volatility, financial crimes, and lack of backing. While the QFC has introduced a Digital Asset Framework, it explicitly excludes typical cryptocurrencies like Bitcoin from its scope, focusing instead on regulated investment tokens. Despite the ban, the QCB is exploring a Central Bank Digital Currency (CBDC) for wholesale and interbank settlements.

Key Pillars

  • Primary Regulator: The Qatar Central Bank (QCB) and the Qatar Financial Centre Regulatory Authority (QFCRA) are the primary regulators, maintaining a restrictive approach towards cryptocurrencies.
  • Core Compliance: Focus on AML/CFT standards, aligning with Financial Action Task Force (FATF) guidelines, is a key driver behind the restrictive stance.
  • Licensing: Exchanges offering services for typical cryptocurrencies are not licensed to operate within Qatar, including the QFC. Banks and financial institutions are prohibited from facilitating cryptocurrency transactions.

Landmark Laws

  • QCB Circular (February 2018): Prohibited financial institutions from dealing with cryptocurrencies, including trading, exchanging, opening accounts, or processing fund transfers for buying or selling them. Cited volatility, potential financial crimes, and lack of central authority backing.
  • QCB Circular (March 2021): Reiterated the obligation for banks to prevent the use of bank accounts for trading in virtual assets/currencies, especially Bitcoin, and to block any related transfers.
  • QFCRA Ban (December 2019/January 2020): Banned all virtual asset services in or from the QFC, covering activities like exchanging virtual assets for fiat or other virtual assets, transferring virtual assets, and providing financial services related to their issuance to combat money laundering and terrorism financing.
  • Digital Assets Regulations 2024: Regulates certain types of "digital assets," specifically "permitted tokens" tied to real-world assets, but explicitly excludes cryptocurrencies, defining them as "excluded tokens" under Article 9.

Considerations

  • Legal Classification: Cryptocurrencies are treated as "excluded tokens" that don't represent any rights other than the token itself or that can be used as a substitute for payment, thus not permitted under the Digital Asset Framework.
  • Risks and Concerns: Qatari authorities cite high volatility, risks of financial crime (money laundering and terrorism financing), lack of investor protection, and the absence of underlying assets or guarantors as primary reasons for the ban.
  • Operational Challenges: Buying, selling, and trading cryptocurrencies through local institutions are prohibited, and exchanges offering such services are not licensed to operate in Qatar. However, privately holding cryptocurrencies acquired through international platforms might not be explicitly illegal, but it carries significant risk and is outside the regulated system.

Notes

  • Historical Context: As early as February 2018, the QCB issued warnings against trading in Bitcoin.
  • Future Plans: The Qatar Central Bank is actively exploring the issuance of a Central Bank Digital Currency (CBDC), currently in an experimental phase focusing on wholesale and interbank settlements, with potential future exploration for retail use.
  • Source Accessibility: Some source URLs may lead to general landing pages or documents where the specific cited information is located, rather than direct deep links.
  • Practical Workarounds: Some residents may hold crypto assets via international platforms, provided they do not use Qatari banks or institutions to fund or trade them, though this is done at their own risk and without local regulatory protection.

Detailed Explanation

The State of Qatar, through the Qatar Central Bank (QCB) and the Qatar Financial Centre Regulatory Authority (QFCRA), prohibits retail cryptocurrency trading. As early as February 2018, the QCB issued warnings against Bitcoin trading, citing volatility and potential for financial crimes. They explicitly prohibited financial institutions operating in Qatar from dealing with cryptocurrencies, including trading, exchanging, opening accounts, or processing fund transfers. A QCB circular in March 2021 reiterated that banks should prevent the use of bank accounts for trading virtual assets, especially Bitcoin, and block related transfers. Al-Arab newspaper reported this circular in March 2021.

The Qatar Financial Centre Regulatory Authority (QFCRA) also adopted a prohibitive stance. In December 2019 (some sources state January 2020), the QFCRA banned all virtual asset services in or from the QFC, covering activities such as exchanging virtual assets for fiat currencies or other virtual assets and transferring virtual assets. This ban aimed to combat money laundering and terrorism financing. Freeman Law references this announcement.

In September 2024, the QFC Authority and QFCRA launched a new Digital Asset Framework, including the Digital Assets Regulations 2024 and Investment Token Rules 2024. This framework regulates certain "digital assets," specifically "permitted tokens" tied to real-world assets, such as stocks and bonds. However, Article 9 of the Digital Asset Regulations 2024 explicitly excludes cryptocurrencies like Bitcoin from the definition of "permitted tokens," classifying them as "excluded tokens." Services related to these excluded cryptocurrencies, such as trading by retail individuals through local platforms, remain prohibited. Charltons Quantum describes this framework.

For retail investors in Qatar, buying, selling, and trading cryptocurrencies through local institutions are prohibited. Banks and financial institutions cannot facilitate cryptocurrency transactions, and exchanges offering services for typical cryptocurrencies are not licensed to operate within Qatar, including the QFC. While some sources suggest that privately holding cryptocurrencies acquired through international platforms (without involving Qatari financial institutions) might not be explicitly illegal, it carries significant risk and is outside the regulated Qatari financial system. Regtechtimes notes this nuance but emphasizes the ban on local trading.

The primary reasons cited by Qatari authorities for the ban are concerns about high volatility, risks of financial crime (money laundering and terrorism financing), lack of investor protection, and the absence of underlying assets or guarantors. Qatar is focused on adhering to international AML/CFT standards. The QCB is actively exploring a Central Bank Digital Currency (CBDC), currently in an experimental phase focusing on wholesale and interbank settlements, separate from the regulation of privately issued cryptocurrencies. Coin Edition quoted the QFC CEO reiterating the crypto trading ban.

Summary Points

Okay, here's the regulatory analysis of Retail_Trading_Status in Qatar, presented in a clear, bullet-point format:

Retail Cryptocurrency Trading Status in Qatar: Regulatory Analysis (2025)

I. Overall Regulatory Status:

  • Banned: Retail trading of cryptocurrencies (like Bitcoin) is prohibited in Qatar.
    • This includes buying, selling, and trading through local institutions and exchanges.

II. Key Regulatory Bodies and Their Roles:

  • Qatar Central Bank (QCB):
    • Primary financial regulator in Qatar.
    • Prohibits financial institutions from dealing with cryptocurrencies.
      • This includes trading, exchanging, opening accounts, and processing fund transfers for cryptocurrency transactions.
    • Mandates banks to prevent the use of accounts for virtual asset trading and block related transfers.
    • Actively exploring a Central Bank Digital Currency (CBDC).
  • Qatar Financial Centre Regulatory Authority (QFCRA):
    • Regulates the Qatar Financial Centre (QFC), a separate legal and business jurisdiction.
    • Bans all virtual asset services in or from the QFC (except for digital asset services concerning token securities).
      • Includes exchanging virtual assets for fiat or other virtual assets, and transferring virtual assets.

III. Important Legislation and Regulations:

  • QCB Circulars (February 2018, March 2021):
    • Explicitly prohibit banks from engaging in cryptocurrency-related activities.
  • QFCRA Ban on Virtual Asset Services (December 2019/January 2020):
    • Prohibits all virtual asset services within the QFC.
  • Digital Asset Framework (September 2024):
    • Includes Digital Assets Regulations 2024 and Investment Token Rules 2024.
    • Regulates "permitted tokens" (digital representations tied to verified rights, like security tokens).
    • Excludes cryptocurrencies (like Bitcoin) from the definition of "permitted tokens."
      • Article 9 of the Digital Asset Regulations 2024 defines "excluded tokens" as those that don't represent rights other than the token itself or those that represent or can be used as a substitute for payment.

IV. Requirements for Compliance (or Non-Compliance):

  • Financial Institutions: Must not facilitate cryptocurrency transactions.
  • Exchanges: Cannot operate within Qatar offering services for typical cryptocurrencies.
  • Retail Investors:
    • Prohibited from buying, selling, or trading cryptocurrencies through local institutions.
    • Engaging with cryptocurrencies through offshore means is outside the purview and protection of Qatari regulations.

V. Notable Restrictions and Limitations:

  • Ban on Cryptocurrency Trading: Explicitly prohibits the trading of cryptocurrencies like Bitcoin for retail individuals through local financial systems and exchanges.
  • Exclusion from Digital Asset Framework: The recent Digital Asset Framework for the QFC focuses on regulated investment tokens and deliberately excludes common cryptocurrencies.
  • Banking Restrictions: Banks are prohibited from providing services to cryptocurrency-related businesses or individuals.
  • AML/CFT Concerns: The primary reasons cited for the ban are concerns about high volatility, risks of financial crime (money laundering and terrorism financing), lack of investor protection, and the absence of underlying assets or guarantors.

VI. Recent Developments and Changes:

  • Digital Asset Framework (September 2024):
    • Introduced a regulatory framework for "permitted tokens" (security tokens, asset-backed tokens) within the QFC.
    • Did not change the ban on cryptocurrencies.
  • CBDC Exploration:
    • The QCB is actively exploring the issuance of a Central Bank Digital Currency (CBDC).
    • This is a separate initiative from cryptocurrency regulation.

VII. Holding Cryptocurrencies (Nuances):

  • While direct trading and transacting via Qatari financial institutions are banned, some sources suggest that privately holding cryptocurrencies acquired through international platforms (without involving Qatari financial institutions for funding or trading) might not be explicitly illegal for individuals.
  • However, this is a nuanced area, and individuals engaging in such activities do so at their own risk and without any local regulatory protection.
  • The overarching regulatory message remains strongly against cryptocurrency involvement.

This bullet-point format provides a comprehensive yet easily scannable overview of the regulatory landscape for retail cryptocurrency trading in Qatar.

Full Analysis Report

Report on Retail Cryptocurrency Trading Status in Qatar

Date: 2025-06-26

Topic: Retail_Trading_Status

Description: Assess whether individual citizens and residents in the country are legally permitted to buy, sell, and hold cryptocurrencies. Detail the regulatory environment surrounding this activity (e.g., KYC/AML requirements imposed on platforms, general warnings issued).

1. Identified Current Status

Banned

2. Detailed Narrative Explanation

The State of Qatar, through its primary financial regulators – the Qatar Central Bank (QCB) and the Qatar Financial Centre Regulatory Authority (QFCRA) – has maintained a consistently restrictive stance on cryptocurrencies for retail investors. While there have been recent developments in regulating "digital assets" more broadly, particularly "investment tokens" within the Qatar Financial Centre (QFC), these regulations explicitly exclude typical cryptocurrencies like Bitcoin and other similar virtual currencies from their scope of permitted activities for trading and payment.

Historical Context and Regulatory Stance:

  • Qatar Central Bank (QCB): As early as February 2018, the QCB issued warnings against trading in Bitcoin, citing its volatility, potential use in financial crimes, and lack of backing by any central authority. The QCB explicitly prohibited financial institutions operating in Qatar from dealing with cryptocurrencies. This includes trading, exchanging them for other currencies, opening accounts for their dealing, or processing any fund transfers for buying or selling them. A circular in March 2021 reiterated the QCB's decision to oblige banks in Qatar to prevent the use of bank accounts for trading in virtual assets/currencies, especially Bitcoin, and to block any transfers for such purposes.
  • Qatar Financial Centre Regulatory Authority (QFCRA): The QFCRA, which regulates the QFC (a separate legal and business jurisdiction within Qatar), also took a prohibitive stance. In December 2019 (some sources state January 2020), the QFCRA announced a ban on all virtual asset services in or from the QFC. This ban covered activities like exchanging virtual assets for fiat currencies or other virtual assets, transferring virtual assets, and providing financial services related to their issuance. The rationale provided was to combat money laundering and terrorism financing.

Recent Developments (2024 Digital Asset Framework):

In September 2024, the QFC Authority and QFCRA launched a new Digital Asset Framework, including the Digital Assets Regulations 2024 and Investment Token Rules 2024. This framework aims to regulate certain types of "digital assets," specifically "permitted tokens" which are often tied to real-world assets like stocks, bonds, or real estate (i.e., security tokens or asset-backed tokens).

However, this new framework explicitly excludes cryptocurrencies (like Bitcoin and other speculative virtual currencies that act as substitutes for currency) from the definition of "permitted tokens." Article 9 of the Digital Asset Regulations 2024 clearly defines "excluded tokens" as those that don't represent any rights other than the token itself or those that represent or can be used as a substitute for payment, which effectively covers most common cryptocurrencies. Therefore, services related to these excluded cryptocurrencies, such as trading by retail individuals through local platforms, remain prohibited.

Implications for Retail Investors:

For individual citizens and residents in Qatar:

  • Buying, Selling, and Trading through Local Institutions: This is prohibited. Banks and financial institutions in Qatar are not allowed to facilitate cryptocurrency transactions. Exchanges offering services for typical cryptocurrencies are not licensed to operate within Qatar, including the QFC.
  • Holding Cryptocurrencies: While the direct trading and transacting via Qatari financial institutions are banned, some sources suggest that privately holding cryptocurrencies acquired through international platforms (without involving Qatari financial institutions for funding or trading) might not be explicitly illegal for individuals, though it carries significant risk and is outside the regulated Qatari financial system. However, this is a nuanced area, and individuals engaging in such activities do so at their own risk and without any local regulatory protection. The overarching regulatory message remains strongly against cryptocurrency involvement.
  • Warnings and AML/CFT Concerns: The primary reasons cited by Qatari authorities for the ban are concerns about high volatility, risks of financial crime (money laundering and terrorism financing), lack of investor protection, and the absence of underlying assets or guarantors. Qatar is focused on adhering to international AML/CFT standards, including those from the Financial Action Task Force (FATF).

Central Bank Digital Currency (CBDC) Exploration:

It is important to note that while cryptocurrencies are banned, the Qatar Central Bank is actively exploring the issuance of a Central Bank Digital Currency (CBDC). This is a separate initiative focused on creating a digital form of the Qatari Riyal and is distinct from the regulation of privately issued cryptocurrencies. The CBDC project is currently in an experimental phase, focusing on wholesale and interbank settlements, with potential future exploration for retail use.

Conclusion:

The legal and regulatory environment in Qatar explicitly prohibits the trading of cryptocurrencies like Bitcoin for retail individuals through local financial systems and exchanges. The recent Digital Asset Framework for the QFC focuses on regulated investment tokens and deliberately excludes common cryptocurrencies. Therefore, the status of retail cryptocurrency trading (buying, selling, and holding through regulated channels) is "Banned." Individuals engaging with cryptocurrencies through offshore means do so outside the purview and protection of Qatari regulations and against the explicit warnings of Qatari authorities.

3. Specific, Relevant Text Excerpts

  • Qatar Central Bank (QCB) (via The Peninsula Qatar, February 2018): "In a statement sent to all banks operating in the country, Qatar Central Bank said that trading in Bitcoin is not allowed in Qatar and penalties will be levied if the circular is violated... all banks operating in the country are not allowed to deal in any way with this currency or exchange it with any other, or open accounts to deal with it or send or receive any money transfers for the purpose of buying or selling this currency."
  • Qatar Financial Centre Regulatory Authority (QFCRA) (via Freeman Law, referencing December 2020/January 2020 announcements): "On December 26th, 2020, the Qatar Financial Centre Regulatory Authority (QFCRA) declared that all virtual asset services are banned in the Qatar Financial Centre (QFC) except for digital asset services concerning token securities... The ban defines virtual asset services to include “the exchange or transfer of virtual assets, or the exchange between virtual assets and fiat currencies.” Specifically, the regulator stated that the ban also includes “anything of value that acts as a substitute for currency, that can be digitally traded or transferred and can be used for payment or investment purposes.”"
  • QFC Digital Asset Regulations 2024 (via Library of Congress Blogs, January 2025, referencing the regulations): "However, article (9)(2) of the Digital Assets Regulations states that certain tokens, including cryptocurrencies, are excluded under the regulations. Similarly, the Investment Token Rules 2024 regulate activities involving investment tokens as outlined in Rule 2.1. 1, but explicitly exclude cryptocurrencies as per Rule 2.1. 2."
  • QFC Digital Asset Regulations 2024 (via Charltons Quantum, referencing the regulations effective September 1, 2024): "The Qatar's Digital Asset Regulations 2024 provide a clear classification of tokens. The regulations define “Permitted Tokens” as digital representations tied to verified rights, meaning they have a basis in real-world assets or legal rights. This framework also defines “Excluded Tokens,” which include cryptocurrencies, stablecoins, and central bank digital currencies (CBDCs), classifying them as substitutes for currency and excluding them from Qatar's digital asset regulatory framework."
  • Al-Arab newspaper (March 2021, regarding QCB circular): "قرّر مصرف قطر المركزي إلزام البنوك العاملة في قطر بمنع استخدام الحسابات المصرفية والبنكية للعملاء لديها في التعامل والتداول بالأصول والعملات الافتراضية -المشفّرة- خاصة «البيتكوين». كما قرّر مصرف قطر المركزي منع استخدام الحسابات البنكية والمصرفية في إرسال أو استقبال أي حوالات مالية بغرض شراء أو بيع أو تبديل هذه الأصول الافتراضية." (Translation: "The Qatar Central Bank decided to oblige banks operating in Qatar to prevent the use of bank accounts of their customers in dealing and trading with virtual -encrypted- assets and currencies, especially 'Bitcoin'. The Qatar Central Bank also decided to prevent the use of bank accounts in sending or receiving any financial transfers for the purpose of buying, selling, or exchanging these virtual assets.")
  • Regtechtimes (undated, discussing the ban): "Trading of cryptocurrencies is regarded as illegal in Qatar. It is important to note, however, that while crypto trading and transactions are prohibited, holding or owning cryptocurrency privately is not illegal for individuals. Many residents hold crypto assets via international platforms, provided they do not use Qatari banks or institutions to fund or trade them." (Note: While this source suggests private holding isn't illegal, it emphasizes the ban on trading and transactions through local institutions and that such holding is outside Qatari financial systems.)
  • Coin Edition (May 2024, quoting QFC CEO): "Yousef Al-Jaida, CEO of the Qatar Financial Centre (QFC), reiterated that the country's central bank prohibits crypto trading and investment. This ban includes restrictions on accessing banking services for crypto-related activities."

4. Direct, Accessible URL Links to Specific Sources

  1. Freeman Law - Qatar and Cryptocurrency: https://freemanlaw.com/qatar-and-cryptocurrency/
  2. Library of Congress Blogs - FALQs: Regulation of Cryptocurrencies in the Gulf Cooperation Council Countries – Part Two (January 15, 2025): https://blogs.loc.gov/law/2025/01/falqs-regulation-of-cryptocurrencies-in-the-gulf-cooperation-council-countries-part-two/
  3. Charltons Quantum - Overview of Digital Assets Regulations in Qatar (referencing regulations effective September 1, 2024): https://www.charltonsqantum.com/overview-of-digital-assets-regulations-in-qatar/
  4. The Peninsula Qatar - Bitcoin trading prohibited in Qatar: Central Bank (February 7, 2018): https://thepeninsulaqatar.com/article/07/02/2018/Bitcoin-trading-prohibited-in-Qatar-Central-Bank
  5. Al-Arab - «قطر المركزي»: منع استخدام الحسابات المصرفية في تعاملات العملات الافتراضية (March 22, 2021): https://alarab.qa/article/22/03/2021/«قطر-المركزي»-منع-استخدام-الحسابات-المصرفية-في-تعاملات-العملات-الافتراضية
  6. Regulation Without Crypto: Qatar's 2024 Framework Supports Digital Assets with Limitations (December 12, 2024, by Wyden): https://www.wyden.io/insights/regulation-without-crypto-qatars-2024-framework-supports-digital-assets-with-limitations/
  7. Regtechtimes - Cryptocurrency in Qatar - Definitive Guide for Taxation: https://regtechtimes.com/cryptocurrency-in-qatar-definitive-guide-for-taxation/
  8. Doha News - Qatar and cryptocurrency: A cautious relationship (September 12, 2024): https://dohanews.co/qatar-and-cryptocurrency-a-cautious-relationship/
  9. Securities.io - Qatar Bans All Cryptocurrency in QFC (June 7, 2020): https://www.securities.io/qatar-bans-all-cryptocurrency-in-qfc/
  10. Binance Legal Status in Qatar (April 9, 2025, by an independent site, referencing the framework): https://www.binancelegality.com/countries/qatar/
  11. Al Jazeera Net - المركزي القطري يحذر من تداول البتكوين (February 8, 2018): https://www.aljazeera.net/ebusiness/2018/2/8/المركزي-القطري-يحذر-من-تداول-البتكوين
  12. Lusail News - المركزي يمنع التعامل بـ بتكوين (February 8, 2018): https://lusailnews.net/article/08/02/2018/المركزي-يمنع-التعامل-بـ-بتكوين
  13. Doha 24 - هل يستطيع المقيم في قطر تداول العملات الرقمية؟ (September 17, 2024): https://doha24.net/2024/09/17/هل-يستطيع-المقيم-في-قطر-تداول-العم/
  14. PwC Global Crypto Regulation Report 2025 (Published March 21, 2025, referencing QFCRA 2020 ban and new framework in Sep 2024): https://www.pwc.com/gx/en/financial-services/pdf/pwc-global-crypto-regulation-report-2025.pdf (Note: Direct deep link to PDF page may vary, report covers Qatar)
  15. Al Sharq - قانونيون لـ الشرق: عروض الاستثمار في العملات الرقمية احتيال (July 25, 2023): https://al-sharq.com/article/25/07/2023/قانونيون-لـ-الشرق-عروض-الاستثمار-في-العملات-الرقمية-احتيال
  16. Coin Edition - Qatar Says Hard No To Crypto Trading, But Big Yes To Asset Tokenization (May 24, 2025): https://coinedition.com/qatar-says-hard-no-to-crypto-trading-but-big-yes-to-asset-tokenization/
  17. Qatar Central Bank - Digital Currency Page: https://www.qcb.gov.qa/arabic/financialstability/fintech/pages/digitalcurrency.aspx (General information on CBDC project)
  18. Al-Jazeera Mubasher - إطلاق منصة لتداولات العملات الرقمية (June 12, 2024 - refers to CBDC project): https://mubasher.aljazeera.net/news/trade/2024/6/12/إطلاق-منصة-لتداولات-العملات-الرقمية
  19. ThePaypers - Qatar promises crypto regulations by end of 2024 (July 30, 2024 - discusses CBDC and digital asset framework): https://thepaypers.com/cryptocurrencies/qatar-promises-crypto-regulations-by-end-of-2024--1269830
  20. Reddit - r/qatar - Crypto Investments from Qatar for Expats (April 28, 2025 - discussion thread reflecting user understanding): https://www.reddit.com/r/qatar/comments/1cg5q69/crypto_investments_from_qatar_for_expats/
  21. منصة البيت العربي - هل تداول العملات الرقمية المشفرة قانوني (مسموح) في دولتك؟ (Undated, discusses Qatar): https://www.arabic-home-platform.com/2023/09/blog-post_28.html
  22. Ghost (Blog) - هل تداول العملات الرقمية مسموح في قطر (July 28, 2024): https://ghoast-writers.com/is-digital-currency-trading-allowed-in-qatar/
  23. FOCAL - A Guide to Anti-Money Laundering (AML) for Crypto Firms (Mentions QFCRA's interest in regulation): https://www.focal.inc/blog-posts/a-guide-to-anti-money-laundering-aml-for-crypto-firms
  24. Cointelegraph Arabic - قطر تُنتقَد لعدم اتخاذها إجراءات كافية ضد شركات العملات المشفرة (June 8, 2023 - FATF report discussion): https://ar.cointelegraph.com/news/qatar-criticized-for-not-taking-enough-action-against-crypto-companies
  25. Qatar's Digital Asset Framework: A compliance roadmap for token service providers (November 20, 2024 by ComplyAdvantage/Coinfirm - now part of Coinfirm): https://www.coinfirm.com/blog/qatars-digital-asset-framework-a-compliance-roadmap-for-token-service-providers/

Web Sources (26)

Sources discovered via web search grounding

Search queries used (9)
  • retail cryptocurrency trading status Qatar 2025
  • Qatar Central Bank cryptocurrency regulations
  • Qatar Financial Centre Regulatory Authority cryptocurrency rules
  • Is cryptocurrency trading legal for individuals in Qatar?
  • KYC/AML crypto Qatar
  • Qatar crypto ban details
  • التداول بالتجزئة للعملات المشفرة في قطر
  • قوانين العملات الرقمية في قطر للمقيمين
  • تحذيرات البنك المركزي القطري بشأن العملات المشفرة
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