Hey! You probably came here from the latest video I did with Aaron Bennett, where we discussed the fourth Celsius distribution, coming in February 2026.
Here’s some high-level info on this distribution:
- It will be in BTC (but it will be the last distribution you receive in BTC. Future distributions will be in stables)
- It will be equal to 7.2% of your claim
- You will have received 87% of your claim after this (72.1% in crypto, and 14.9% in stock)
- The effective price of the BTC hasn’t been decided yet, but will released as we get closer to the date of the distribution
- This is the biggest distribution since the original one in Feb 2024
As I discussed with Aaron, the tax implications of this distribution are a bit nuanced. In the video Aaron and I did in September 2025, we talked about writing off the remaining portion of your Celsius claim in 2025; however, given the size of this fourth distribution, writing off the rest of the loss in 2025 may not be the best option for every creditor.
Here’s the table I made showing 24 different types of creditors, and my general recommendation as to whether you should take the remaining loss in 2025 or not. Though it does cover a lot of different scenarios, every claim is different, and every creditor’s personal tax situation is different, so if you’d like help determining which situation is best for you, calculating your cost basis, filing your taxes, amending your taxes, or anything crypto tax related, don’t hesitate to reach out!
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- To schedule a call, click here: https://cryptotaxgirl.com/call
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Here’s the link to the table for the Celsius 2025 Write Off Scenarios that were referenced in the video.