Bill · H.R. 148· House(119-HR-148)
Keep Your Coins Act of 2025
- Introduced
- 1/3/2025
- Last activity
- 1/3/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- Warren Davidson
- Cosponsors
- - 3 - 0
- Introduced
- In Committee
What this bill would do
This bill, titled the ``Keep Your Coins Act of 2025'', aims to prevent Federal agencies from interfering with how people use digital assets. It prohibits agency heads from restricting a person's ability to use convertible virtual currency to purchase goods or services for their own use. Additionally, it prevents agencies from restricting the self-custody of digital assets through self-hosted wallets for lawful purposes. The legislation focuses on ensuring individuals retain control over their convertible virtual currency.
Yes· 3 of 14
Does this protect people from being watched or searched?+5
Supporting self-hosted wallets enhances individual control and financial privacy.
Would people in their twenties and thirties be better off under this?+3
Younger generations are often more engaged with digital assets and decentralized finance.
Would high-income households be better off under this?+3
Provides greater freedom for managing large volumes of digital assets.
The opposite· 3 of 4
Does this give the federal government more power?-4
The bill actively restricts the power of Federal agencies to regulate and impair the use of digital assets.
Does this put more rules on large technology companies?-3
The bill limits the ability of agencies to regulate the use of digital currency assets.
Does this give the government more power to monitor people inside the country?-2
By limiting agency restrictions on self-hosted wallets, it may reduce the visibility of financial transactions for surveillance purposes.
Who it would affect, and how
Potential Positive Impacts for People
-
Freedom to Purchase Goods and Services: Under Section 2(a)(1), a covered user would be able to use convertible virtual currency or its equivalent to purchase real or virtual goods and services for their own use without Federal agency restrictions.
-
Control Over Digital Assets: According to Section 2(a)(2), individuals would be allowed to self-custody digital assets using a self-hosted wallet for any lawful purpose, allowing them to retain independent control over their currency.
Potential Negative Impacts for People
- No specific negative impacts are explicitly stated in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Billionaires+3Good For High Income Households+3Good For High Net Worth Individuals+3Good For Ultra High Net Worth Individuals+3Good For Young Adults+3Good For Business Owners+2Good For Middle Aged+2Good For Middle Class Households+2Good For Retirees+2Good For Low Income Households+1Good For Seniors+1Good For Students+1
- Education And Technology
- Increases Big Tech Regulation-3
- National Security And Foreign Policy
- Increases Domestic Surveillance-2
- Economy And Finance
- Improves Economic Growth+3Improves Consumer Protection-2
- Governance And Ideology
- Improves Privacy Rights+5Increases Federal Power-4
- 5/7/2026
- 1 Cosponsor added.
- 9/4/2025
- 1 Cosponsor added.
- 6/3/2025
- 1 Cosponsor added.
- 1/3/2025
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Nicholas BegichRepublican · Alaska
Marjorie GreeneRepublican · Georgia
Thomas MassieRepublican · Kentucky