Crypto Regulations in the USA 2025

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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.

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.

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

US Crypto Regulations 2025

July 18, 2025– President Trump signed the new legislation of the GENIUS Act into law. It creates licensing and regulatory requirements for stablecoin issuers. It also provides requirements for the custody and safekeeping of certain payment stablecoin-related assets.

July 17, 2025- The House also adopted the Digital Asset Market Clarity Act by a 294-134 margin and the CBDC Anti-Surveillance State Act,

July 3, 2025- The US House Committee looks forward to considering the CLARITY Act and the San GENIUS Act in the crypto week, which is scheduled in the week of July 14.

June 17, 2025: The US Senate passed the GENIUS ACT with 68-30 votes, the first federal regulatory framework for stablecoins.

May 8, 2025 – Wyoming and Texas push forward new pro-crypto laws; other states test blockchain in public services and launch regulatory sandboxes.
Early May 2025 – U.S. repeals Executive Order 14067 and outdated Treasury crypto policies; SEC unveils new framework for digital asset securities; GENIUS stablecoin bill nears finalization; OCC releases Interpretive Letter 1183 allowing banks to custody digital assets.
April 12, 2025 – Senate Banking Committee announces plans to pass a comprehensive crypto market bill by August; Securities Clarity Act reintroduced in the House.
April 2025 – Congress accelerates deregulatory efforts and develops laws to clarify digital asset regulation under the Trump administration.
March 12, 2025 – White House publicly supports stablecoins and cryptocurrencies, signaling regulatory easing and push for adoption.
March 6, 2025 – President Trump signs Executive Order to create the Strategic Bitcoin Reserve and U.S. Digital Asset Stockpile.
April 2025 – DOJ’s National Cryptocurrency Enforcement Team is disbanded; SEC drops major lawsuits against Gemini and Coinbase.
Early February 2025 – Federal Stablecoins Bill advances, with bipartisan support and a clear 2025 regulatory roadmap.
January 23, 2025 – President Trump issues Executive Order “Strengthening American Leadership in Digital Financial Technology,” promoting fair banking access and crypto innovation.

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

SEC: The SEC, under new leadership, is moving away from aggressive enforcement and toward developing clear regulatory lines, realistic registration paths, and sensible disclosure guidelines for crypto assets.
CFTC: The CFTC is collaborating with the SEC and Congress to clarify jurisdiction, especially over digital commodities and derivatives.
FinCEN: AML and CFT requirements remain central, with crypto companies classified as financial institutions under the Bank Secrecy Act, subject to strict compliance.
FDIC/OCC: The FDIC has eased restrictions on banks’ crypto activities, while the OCC supports banks’ ability to custody digital assets

US Crypto Tax 2025

Cryptocurrency in the US is taxed based on how long you hold the asset and your total taxable income. Short-term gains (assets held for one year or less) are taxed at ordinary income rates, while long-term gains (assets held for more than a year) are taxed at lower capital gains rates. Additionally, income from mining, staking, or receiving crypto as payment is taxed as ordinary income.

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

Tax Rate	Single	Married Filing Jointly	Married Filing Separately	Head of Household
10%	$0–$11,600	$0–$23,200	$0–$11,600	$0–$16,550
12%	$11,601–$47,150	$23,201–$94,300	$11,601–$47,150	$16,551–$63,100
22%	$47,151–$100,525	$94,301–$201,050	$47,151–$100,525	$63,101–$100,500
24%	$100,526–$191,950	$201,051–$383,900	$100,526–$191,950	$100,501–$191,950
32%	$191,951–$243,725	$383,901–$487,450	$191,951–$243,725	$191,951–$243,700
37%	Over $609,351	Over $731,201	Over $365,601	Over $609,351

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

Tax Rate	Single	Married Filing Jointly	Married Filing Separately	Head of Household
0%	Up to $47,025	Up to $94,050	Up to $47,025	Up to $63,000
15%	$47,026–$518,900	$94,051–$583,750	$47,026–$291,850	$63,001–$551,350
20%	Over $518,900	Over $583,750	Over $291,850	Over $551,350

Additional Crypto Tax Rules

Income from mining, staking, or payment: Taxed as ordinary income at the above rates.
NFTs: Some may be taxed at a higher collectibles rate (up to 28%).
Non-taxable events: Transfers between your own wallets and certain gifts are not taxable.
Crypto companies: Subject to standard corporate income tax and must comply with reporting and AML/CFT rules.

Example

If you are single, earn $50,000 in total taxable income, and realize $5,000 short-term crypto gains and $10,000 long-term crypto gains:

Short-term gains taxed at 22%: $1,100
Long-term gains taxed at 15%: $1,500
Total crypto tax owed: $2,600

These rates and rules ensure all crypto investors and companies are taxed in line with other property and investment assets in the US

Crypto Adoption Rate In America

In 2025, about 28% of American adults—around 65 million people—own cryptocurrency.
Crypto ownership in the US has nearly doubled since 2021, rising from 15% to 28%.
14% of non-owners plan to buy crypto in 2025, and 67% of current owners plan to buy more this year.
Bitcoin, Ethereum, and Dogecoin are the top three cryptocurrencies Americans plan to purchase in 2025.

Crypto mining in the USA

In 2025, the US leads the world in Bitcoin mining, accounting for over one-third of global mining power.
On March 20, 2025, the SEC clarified that proof-of-work crypto mining is not subject to federal securities laws, removing registration requirements for miners.
There is no federal ban on crypto mining; regulation is handled at the state level, with some states offering incentives and others imposing environmental restrictions.
The Trump administration’s deregulatory approach in 2025 has encouraged domestic mining growth, but all miners must still comply with federal AML and CFT rules.
Environmental concerns and energy usage debates continue, especially in states considering stricter oversight or moratoriums on mining operations.

US Government’s Crypto Holdings

As of April 2025, the US government holds approximately 198,012 Bitcoins, valued at about $18.3 billion.
The US is the world’s largest state holder of Bitcoin, with these assets primarily acquired through law enforcement seizures and forfeitures.
In March 2025, President Trump established the Strategic Bitcoin Reserve and a broader Digital Asset Stockpile, consolidating all federally held Bitcoin and other major cryptocurrencies (including Ethereum, Solana, Cardano, and XRP) as permanent reserve assets.

Conclusion

US crypto regulation in 2025 marks a major turning point. The old approach of punishing innovation is being replaced with clear rules, legal support, and a national strategy for digital assets. While financial crimes are still a concern, the overall direction is bold, business-friendly, and built for long-term crypto adoption.

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FAQs

Is crypto regulated by the SEC?

The SEC regulates crypto assets that are considered securities. In 2025, the SEC is moving towards clearer regulatory guidelines.

What are the IRS rules for crypto?

The IRS treats crypto as property, taxing gains as capital gains and income from mining/staking as ordinary income.

What is the Strategic Bitcoin Reserve?

Established by Trump in March 2025, it’s a federal reserve for Bitcoin, initially capitalized by seized BTC, aiming to manage holdings strategically.

How has US crypto regulation changed in 2025?

In 2025, the US shifted to a pro-innovation, pro-crypto approach under Trump, with new executive orders and a move toward clear federal legislation.

How much tax on crypto USA?

In the US, short-term crypto gains (held ≤ 1 year) are taxed at ordinary income rates (10-37%), while long-term gains (> 1 year) are taxed at lower capital gains rates (0-20%), based on your income and filing status. Sources

Table of contents

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

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