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The US Congress is drafting cryptocurrency legislation, and this is a rare window of opportunity. Decision-makers should seize this chance to promote the establishment of a truly people-centered financial system. The current financial system is controlled by a few institutions, but the open nature of blockchain and crypto assets offers the possibility to reshape the financial landscape. Legislation should not only safeguard the interests of major players but also open doors for small and medium users, innovators, and groups marginalized by traditional finance. This is not just a technical issue but a strategic choice related to financial democratization.