This is general information, not tax advice, and it is not specific to your country. Tax treatment of crypto differs in almost every jurisdiction and has been changing. If the amount involved is significant to you, ask a professional in your country.
Two different things can be taxable
- Income. A payout from a plan may be treated as income when it is received, not when you later withdraw it.
- Capital gains. Buying and selling crypto is generally a disposal and repurchase in most systems, so a change in value between the two can be a taxable event.
Records are the practical part
Keep a record of every deposit and every payout with its date and amount. Your dashboard shows both, and exporting them is far easier than reconstructing them a year later when you have forgotten. This matters more than any rule you might get wrong.
Common questions people ask
Does the cap mean I owe tax on the cap? Usually not — tax generally follows what you actually received, not what a plan was permitted to pay. The cap is a ceiling.
Do referral commissions count as income? Frequently yes, again on receipt. The partners page describes the programme; your own accountant describes the tax.
What if I have not sold anything? Receiving a payout has generally been treated as income even without a disposal. This is exactly why the records matter.
The honest summary
Write down everything, ask someone qualified before you need to file, and treat this article as a prompt to do that rather than as an answer.