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You DON'T Have to Pay Crypto Taxes (Tax Expert Explains)If you trade the crypto for another asset or use it to buy goods or services, you may be subject to capital gains tax or income tax on any gains or profits you. The IRS treats cryptocurrencies as property, meaning sales are subject to capital gains tax rules. Be aware, however, that buying something with cryptocurrency. Using fiat money to buy and hold cryptocurrency is generally not taxable until the crypto is traded, spent, or sold. Tax professionals can.