HR 148119th CongressIntroduced

Keep Your Coins Act of 2025

Introduced: Oct 29, 2025

Financial ServicesTechnology & Innovation

Standard Summary

Comprehensive overview in 1-2 paragraphs

The Keep Your Coins Act of 2025 prohibits federal agencies from restricting individuals' use of convertible virtual currency for personal purchases and self-custody of digital assets through self-hosted wallets, ensuring users retain full control over their virtual assets for lawful transactions without government interference.

Key Points

1Federal agencies are explicitly banned from prohibiting or restricting covered users from utilizing convertible virtual currency to purchase real or virtual goods and services for personal use.
2The legislation protects individuals' rights to self-custody digital assets via self-hosted wallets, maintaining independent control over transactions for any lawful purpose without federal agency impairment.
3Clear definitions establish 'convertible virtual currency' as mediums substituting for currency and 'self-hosted wallet' as user-controlled digital interfaces securing transferable virtual assets.

Impact Areas

Individual cryptocurrency holders conducting personal transactionsFederal regulatory agencies including Treasury, SEC, and CFTCCryptocurrency wallet providers and digital asset infrastructure services

Generated by ExpertLegislativeAnalyst/v1.0 on Nov 6, 2025