The "Keep Your Coins Act of 2025" aims to protect individuals' autonomy over their digital assets by prohibiting federal agencies from imposing restrictions. Specifically, it prevents agencies from limiting a covered user's ability to use convertible virtual currency for purchasing goods or services for their own use. The bill further ensures that individuals can self-custody digital assets through a self-hosted wallet to conduct any lawful transaction. It defines "convertible virtual currency" as a medium of exchange or currency substitute, and a "covered user" as someone obtaining virtual currency for personal purchases. This legislation seeks to prevent government interference with personal control and use of digital currencies.