Keep Your Coins Act of 2025

This bill prohibits federal agencies from restricting individuals' use of convertible virtual currency for personal purchases or self-custodying digital assets via self-hosted wallets. It directly affects people who use crypto to buy goods/services for themselves, regardless of how they obtained the currency. Key provisions prevent agencies from blocking personal transactions or interfering with user-controlled wallets (where owners retain full control over their assets). The law defines "covered users" broadly to include anyone purchasing items for their own use with convertible virtual currency. It does not regulate businesses, exchanges, or government use of digital assets.