On 9 February 2018 and 20 February 2018, respectively, the Croatian National Bank and the the Croatian Financial Services Supervisory Agency (CFSSA) issued warnings regarding virtual currencies. Although they have not explicitly stated the difference between virtual currencies and crypto-assets, it can be inferred that a broader field including crypto-assets is considered under the term 'virtual currencies'. These warnings noted that "virtual currencies are not legal tender in the Republic of Croatia, they are neither a foreign currency (foreign exchange) nor foreign means of payment", (6) and addressed that investors cannot rely on their trust in virtual currencies since "organisations or individuals issuing or trading in virtual currencies are not authorised or supervised either by the Croatian National Bank or any other institution in the Republic of Croatia". (7) Further, the Croatian National Bank stated that as virtual currencies are not regulated, authorised or supervised by the Croatian National Bank or other Croatian institutions, they represent a high-risk investment.
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