Keep Your Coins Act of 2025

HR 148, the Keep Your Coins Act of 2025, prohibits federal agencies from restricting how individuals use convertible virtual currency (like cryptocurrency) for personal purchases or self-custody. It directly protects "covered users" - people buying goods/services for themselves - with the right to use crypto for personal transactions and to store it in self-hosted wallets they control. The bill bans federal restrictions on these personal uses, ensuring individuals retain full control over their digital assets without third-party custody. It does not apply to business transactions or commercial crypto services. The law focuses on enabling personal financial autonomy with digital assets, not regulating exchanges or business operations.