Piotr Ostapowicz explains what the Polish tax reality in the cryptocurrency world really looks like

Polish cryptocurrency investors often face a common problem: they don’t know how to properly settle their taxes and at the same time fear that this automatically means the end of their journey with digital assets. The fear of penalties, misinformation, and lack of clear information is a daily reality for those interested in Bitcoin or altcoins. Piotr Ostapowicz, a well-known cryptocurrency market educator, decided to dispel these concerns and show that the situation in Poland is significantly less dramatic than it seems.

The conflict between fear and reality is best illustrated by the example of an answer one viewer received from artificial intelligence. The AI claimed that the main regret essentially means admitting to a crime. Such an interpretation could discourage even a determined investor from taking corrective actions. Ostapowicz corrects this harmful narrative by referring directly to applicable laws and practices.

Active regret and tax law: when to act without fear

According to Polish legislation, the main regret is a common and completely legal way to correct errors in tax settlements. If someone forgot to report cryptocurrency purchases from three years ago, they still have the full right to do so. This is not some illicit activity on the edge of the law, but a standard procedure available to every taxpayer.

Piotr Ostapowicz repeatedly emphasizes that AI algorithms exaggerate real threats. In practice, the consequences of using the main regret are much milder than the machine predicts. Although he lacks personal experience with penalties, his conversations with professional tax advisors specializing in cryptocurrencies show that most cases end well. Tax audits are rare and usually occur only in specific, easily identifiable risk situations. In the vast majority of cases, Polish filings turn out to be completely safe—if the proper steps are taken.

Why artificial intelligence fails in financial and tax decisions

The educator repeatedly points out that AI systems should be treated solely as auxiliary tools, never as advisors. When it comes to taxes, investments, or health, there is no place for shortcuts or uncritical trust in algorithms. Machines use data available on the internet, but they cannot consider the individual context of a situation. This means that cryptocurrencies—due to their complexity and the personal nature of each investment—require an approach tailored to the specific case.

Piotr Ostapowicz reveals his own method of working with generative systems. Instead of relying on a single answer, he tests the same question using at least two different AI models and compares the results. Discrepancies, errors, or clear contradictions almost always appear. This shows that no single answer should be considered final and authoritative. His practical approach can be summarized in a few specific steps:

• Ask the same question to at least two independent AI models
• Carefully compare the answers and identify where they differ
• Always consult a real human—an expert—for key financial decisions

This does not mean AI is completely useless. However, it requires critical thinking and should be treated as a search engine, not a master. Such an attitude provides the best protection against costly mistakes.

When a professional tax advisor is worth its price

One of the most common questions is whether every investor should consult an advisor. Piotr Ostapowicz responds straightforwardly, without scare tactics. If the value of the cryptocurrency portfolio ranges between 10,000 and 20,000 PLN, visiting a specialist makes perfect sense. The cost of such a consultation, around 200–300 PLN, is negligible compared to potential consequences of mistakes.

A tax advisor specializing in digital assets knows current regulations and keeps up with ongoing legal changes—something AI does not do well enough. Such a specialist can determine whether the main regret in a specific case increases the risk of an audit, and if so—by how much. Usually, a statement from the professional confirming that the situation is completely safe suffices. In most cases, it turns out that the concerns were exaggerated.

Does the Polish tax administration really pose a huge obstacle for cryptocurrency investments? According to Piotr Ostapowicz—certainly not. Most problems stem from lack of knowledge or misinformation, not from strict regulations. Therefore, instead of panicking, a better move is to talk to a professional. This saves nerves and completely unnecessary expenses.

Hardware wallets as protection: Ledger and digital asset security

In the second part of his tips, Piotr Ostapowicz discusses the security of storing cryptocurrencies. He plans to purchase a Ledger Nano S Plus hardware wallet as part of a long-term strategy of Bitcoin accumulation through regular investments (DCA). He treats such a device not as a gadget but as a form of portfolio insurance.

Investing 200–300 PLN provides significant satisfaction and peace of mind. The most important thing is that Bitcoin stored on such a device can be recovered on another compatible wallet using the BIP-39 standard. All that is needed is a seed phrase (recovery words) and compatible software. All software updates should be downloaded only from official channels, never from emails or external sources.

History shows that hardware manufacturers for cryptocurrency storage have not been effectively hacked. This provides important support for those considering such security investments.

DCA and Bitcoin: conservative approach to long-term gains

Regarding the accumulation strategy, Piotr Ostapowicz points out an important technical detail. When using the DCA (Dollar-Cost Averaging) method, it’s not advisable to send very small amounts every month. This generates dozens of unspent transaction outputs (UTXOs) and results in high future transaction fees. A more reasonable approach is to send funds every three months—a compromise between convenience and cost efficiency.

When it comes to altcoins, the educator’s view is clear: 99% of projects will not survive a bear market. The best indicator of a project’s actual survival potential is trading volume over 7 and 30 days. Projects with a volume below 10 million dollars are extremely risky and should be approached with extreme caution.

What about Bitcoin’s price in 2030? Piotr Ostapowicz avoids guessing and instead assumes a conservative scenario of 8–10% average annual net return. This approach is based on concrete historical data and fundamentals, not emotions or speculation. Such methodology is far more reliable and useful for long-term planning.

In summary: cryptocurrencies require prudence, solid knowledge, and humility regarding the complex ecosystem. Main regret can be the best solution for tax mistakes. Hardware wallets significantly increase security, and analyzing volume reveals the true strength of investment projects. In the long run, Bitcoin remains for many—and for Piotr Ostapowicz—the most stable and safest choice.