1. SEC Commissioner Hester Peirce affirms self-custody of crypto assets as a fundamental right.
2. 2025 marked a turning point for U.S. crypto regulation, with the SEC opening doors to innovation.
3. Upcoming legislation like the Clarity Act may shift crypto oversight to the CFTC, creating a clearer regulatory framework.

Hester Peirce, a long-serving commissioner of the U.S. SEC and head of its Crypto Task Force, reiterated her strong support for crypto self-custody and financial privacy. Speaking on The Rollup podcast, Peirce described self-custody of digital assets as a basic human right.

She said:

Why should I have to be forced to go through someone else to hold my assets? It baffles me that in this country, which is so premised on freedom, that would even be an issue — of course, people can hold their own assets.

These comments, Peirce said, come at a time when more and more discussion concerns how Americans preserve and safeguard their crypto holdings. The commissioner said that the SEC should demand openness, so that investors can comprehend risks and possibilities, but still remain masters of their finances.

Her perspective sheds light on an initiative at the organization to merge innovation with shareholder protection, given that it has been uncertain for several years now.

2025: A Turning Point for Crypto Regulation

Peirce said 2025 marked a “line in the sand” year for U.S. crypto policy. The SEC has started interacting more candidly with cryptocurrency firms and institutional investors after years of strong enforcement-oriented strategies that stifled innovation.

Peirce pointed out that previous enforcement methods frequently stifled long-term expansion in the industry, compelling some inventors and investors to relocate their companies abroad.

The commissioner said her view of control was one that set up a setting in which markets and entrepreneurs can work safely while still encouraging innovation. Using blockchain technology for capital formation, censorship-resistant financing, and private digital money, she highlighted the need to go back to basics.

Peirce also pointed out that stablecoin adoption and sector events like Chainlink SmartCon have contributed to the reestablishment of public confidence in digital currencies and the worldwide function of the U.S. dollar.

Increased Experimentation with Tokenized Securities in 2026

Looking ahead to 2026, Peirce anticipates increased tokenized securities testing and public company involvement in cryptocurrency markets. Companies like Circle, Coinbase, and Securitize are looking at how to tokenize shares or create their own tokens.

This brings up new questions about what they have to tell people, what rights investors have, and how the government treats them. Peirce underlined the need of clarity: investors have to grasp what, relative to conventional equity, a token reflects in terms of claims or income streams.

Also Read: Coinbase Pushes for Modern U.S. Crypto Rules Covering DeFi Markets