2月26日消息，美国印第安纳州议会正式批准HB 1042《加密货币监管与投资法案》，该法案已通过两院审议，目前仅待州长 Mike Braun 最终签署。一旦生效，这项立法将为公共退休计划和储蓄账户开放加密货币投资渠道，同时明确保护个人持有与使用数字资产的权利，被视为美国加密监管政策向制度化迈进的重要信号。
根据法案内容，州政府管理的指定退休和储蓄计划必须为参与者提供至少一种加密货币投资选项，并通过自主管理经纪账户实现配置。这将涉及议员固定缴款计划、Hoosier START大学储蓄计划，以及公共雇员和教师退休基金相关项目，意味着比特币等数字资产正逐步进入长期养老金配置框架。
在个人权利层面，HB 1042明确限制公共机构对数字资产使用设置额外障碍。除金融机构监管部门外，各类公共机构不得禁止个人接受加密货币支付商品和服务，也不得限制用户使用自托管钱包或硬件钱包存储资产。这一条款强化了加密资产自托管权与链上资产所有权的法律保障。
此外，法案还规定州政府不得对加密货币交易征收区别于其他金融交易的额外税费，旨在建立更公平的数字资产税收环境，并降低合规成本。若州长完成签署，相关条款将于2026年7月1日正式生效，进一步推动美国数字资产投资合规化进程。
从更宏观角度看，该法案与美国将加密资产纳入主流金融体系的趋势保持一致。此前，特朗普政府已允许在退休账户中配置加密资产。随着各州立法持续推进，比特币投资、养老金配置加密资产以及数字资产合法使用权正在成为美国监管框架中的关键议题，或对机构资金长期流入加密市场产生深远影响。
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