H.R. 148 — Keep Your Coins Act of 2025

This section establishes the short title of the Act as the “Keep Your Coins Act of 2025.”

This section prohibits the head of a Federal agency from barring, restricting, or otherwise impairing a covered user’s ability to use convertible virtual currency for the user’s own purchases or to self-custody digital assets through a self-hosted wallet or other means for any lawful purpose. As background, convertible virtual currency is defined as a medium of exchange with an equivalent value as currency under 31 C.F.R. § 1010.100 or that functions as a substitute for currency, a covered user is a person who acquires such currency to buy goods or services on that person’s own behalf, and a self-hosted wallet is a digital interface used to secure and transfer convertible virtual currency while the owner retains independent control over it.