A landmark government report signals how digital assets will shape the next era of American financial leadership.
Last month, U.S. lawmakers passed three major cryptocurrency-related bills during what was unofficially dubbed “Crypto Week.” It marked the most consequential week for the crypto industry since Bitcoin’s inception.
Now, in early August, the U.S. government has taken another major step forward. A 162-page report, titled "Strengthening American Leadership in Digital Financial Technology," was just released by the White House’s Crypto Working Group—an initiative launched in January 2025, comprising top Trump administration officials and senior financial regulators. The full report is available here, for anyone willing to dive deep. But here’s the distilled version:
This isn’t just about blockchain anymore. It’s about reshaping the foundation of the U.S. financial system, and potentially setting a global precedent.
The Big Picture
- Adoption is Real:
According to the report, 20% of Americans now own some form of crypto. Investor sentiment is bullish, with 82% viewing June 2025 as an optimal time to enter the market. A new innovation-driven investment cycle is underway.
- The Trump Doctrine:
The administration is signalling a full embrace of blockchain and Web3. Trump has declared his intention to make the U.S. the “crypto capital of the world” and is pivoting toward a pro-innovation regulatory mindset.
What the Report Recommends
- Clarity and Protection for Individuals & Entrepreneurs:
Americans should be able to own, build, and use digital assets lawfully without fear of prosecution. Entrepreneurs and developers should have freedom to innovate with regulatory certainty.
- Self-Custody and Decentralisation:
U.S. citizens will be allowed to self-custody their assets and make lawful peer-to-peer transactions, without relying on financial intermediaries.
- World-Leading Markets:
U.S. policymakers are tasked with making American crypto markets the most liquid and trusted globally.
- The CFTC will oversee non-security digital assets like Bitcoin and tokenized commodities.
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- The SEC will regulate security tokens—digital representations of stocks, bonds, funds, and more.
- Support for DeFi:
In a surprising move, regulators are advised to collaborate with decentralised finance (DeFi) protocols rather than banning them. This is a significant shift from previous stances.
- Banking Reform:
The report directly criticises the Biden-era “Operation Choke Point 2.0,” which was seen as stifling crypto. U.S. banks will now be expected to embrace, not avoid, digital assets and blockchain innovation.
- Stablecoins and Dollar Dominance:
U.S. dollar-backed stablecoins are seen as central to preserving the dollar’s global leadership. Under the GENIUS Act, federal agencies are already being directed to push stablecoin technology globally.
- Law Enforcement and Fair Play:
The report balances innovation with compliance. Law enforcement will be empowered to target bad actors, while protecting lawful users and avoiding regulatory overreach.
- Tax Modernisation:
A call for new federal tax policies that recognise the unique nature of digital assets and address long-standing investor concerns.
Why This Matters for Investors
This is not just another policy paper—it’s likely to become the benchmark used by other nations as they develop their own crypto regulations. Countries that are more restrictive may risk losing ground in the race for AI, Web3, and digital asset leadership.
For investors, the implications are profound:
- Major coins, particularly those included in our Wealth99 bundles—stand to benefit directly.
- Tokenized assets and alternative investments could see explosive growth.
- Global crowdfunding and decentralised platforms like Dacxi could flourish in a friendlier regulatory landscape.
In short, we’re entering a new phase—one where digital assets aren’t just speculative instruments, but a central part of a broader economic strategy.
The future of crypto isn't just happening. It’s being legislated into reality.