Crypto Regulations In The Usa 2025

What Happened

September 16, 2025: The US officials plan to expand the Strategic Bitcoin Reserve bill proposed in March. Now, they are aiming to acquire a total of 1 million Bitcoins within the next five years, as part of the US Treasury. The recent crypto roundtable meeting also ensured that the purchase does not cost US taxpayers money.

August 14, 2025: New York Assemblymember Phil Steck introduced Assembly Bill 8966. It proposes a 0.2% tax on all digital asset transactions. If lawmakers approve the bill, the tax will take effect immediately on September 1, 2025.

On August 7, 2025, President Trump signed an Executive Order allowing 401(k) investors to diversify their portfolios into various assets, including cryptocurrencies. The order enables investors to include crypto, private equity, real estate, and other alternative assets in their retirement accounts.

Market Context

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The US crypto regulation has changed dramatically in 2025, with the Trump administration adopting a pro-innovation, pro-crypto approach. Major developments included new executive orders, the disbanding of enforcement teams, and a shift toward clear, comprehensive legislation.

Why It Matters

The year saw a move away from “regulation by enforcement” toward structured rules and federal clarity, while states continued to play a key role in shaping the regulatory environment.

Table of contents

Details

US Crypto Regulations 2025

What Do The US Federal Agencies Think About Crypto in 2025?

US Crypto Tax 2025

Short-Term Crypto Tax Rates (Held ≤ 1 Year)

Long-Term Crypto Tax Rates (Held > 1 Year)

Additional Crypto Tax Rules

Example

Crypto Adoption Rate In America

Crypto mining in the USA

US Government’s Crypto Holdings

Conclusion

FAQs

September 17, 2025: The SEC approved Generic Listing Standards for commodity-based exchange-traded products, including spot crypto ETFs. Under the new rule, a commodity seeking eligibility via the generic listing standards must be traded under a futures contract for at least six months on a CFTC-regulated exchange.

September 5, 2025: The U.S. Congress has pushed another bill with the title “Department of Treasury” to study the Bitcoin Reserve and the Digital Asset Stockpile. It aims to create a path to integrate digital assets into the country’s traditional financial system.

August 20, 2025: The General Assembly of Pennsylvania has received House Bill 1812. The bill The bill sponsored by Rep. Ben Waxman and co-sponsored by seven other representatives in the Pennsylvania House of Representatives, bans public officials from holding Bitcoin and also extends to their immediate families.

August 5, 2025- The SEC’s Division of Corporation Finance released a statement clarifying liquid staking policy. It stated that liquid staking activities do not involve the offer and sale of securities.