Creates an independent working group to study how terrorists and other illicit actors use digital assets and to recommend legislative and regulatory fixes. It sets membership, duties, a reporting schedule to Treasury and Congress, and a sunset after up to four years.

Directs the President, through the Treasury Secretary and in consultation with the working group, to deliver a public, unclassified report within 180 days on how digital assets could be used to evade sanctions, finance terrorism, or launder money, and to outline a U.S. strategy to prevent those uses. The report must be posted online (with a possible classified annex), and Treasury must brief Congress on progress within two years.