Keep Your Coins Act of 2025

Key Points

• Would stop federal agencies from blocking or limiting people from using convertible virtual currency to buy goods or services for their own personal use.
• Would protect the right to hold your own digital assets in a self-hosted wallet, meaning you control the wallet yourself (not an exchange or bank).
• Applies only to lawful purposes and to “covered users,” defined as people using virtual currency on their own behalf, no matter how they got it.
• If passed, this could limit future federal agency rules that try to restrict personal crypto payments or restrict self-custody wallets.
• Does not create a right to use crypto everywhere; private businesses could still choose whether to accept it. It focuses on what federal agencies can restrict.