First HMRC report due 31 May 2027 — the data obligation started 1 Jan 2026
Get CARF ready.
Every UK-connected crypto platform — exchange, broker, OTC desk, custodial wallet — has been accruing reporting obligations to HMRC since January 2026, with penalties charged per user. CARFdesk is the HMRC-first toolkit for getting compliant: free tools, practitioner guides, no signup walls.
£300
per user, where transactions continue without a valid self-certification
31 May 2027
first CARF report to HMRC, covering all of 2026
~50
jurisdictions exchanging CARF data with HMRC from 2027
Free tools
RCASP scope checker
Six questions — find out if UK CARF applies to your platform, with the reasoning and the citations.
Penalty-exposure calculator
Your user counts and self-cert coverage in — your theoretical £ exposure under the £100/£300 per-user rules out.
FCA gateway triage
Do you need to apply in the authorisation window (30 Sep 2026 – 28 Feb 2027) to keep trading?
CARF XML validator
Drop a report file, get OECD-schema validation with readable errors — in your browser, never uploaded.
Coming next: TIN format validator.
Deadline reminders and guidance updates
One email when something changes — HMRC guidance, OECD schema updates, deadline milestones. No newsletter padding.