SESSION WATCH
Died SENATE · SESSION 2026

No. CS/SB 1038

Florida Strategic Cryptocurrency Reserve
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SPONSOR
Banking and Insurance; Gruters
FILED BY
Joe Gruters — District 22, Republican [search donations]
EFFECTIVE
On July 1, 2026, but only if SB 1040 or similar legislation takes effect, if such legislation is adopted in the same legislative session or an extension thereof and becomes a law
DIED IN
Appropriations Committee on Agriculture

Filed under AI & Technology.

PROVIDED SUMMARY

Florida Strategic Cryptocurrency Reserve; Creating the “Florida Strategic Cryptocurrency Reserve Act”; authorizing the Chief Financial Officer to take certain actions in administering and managing the Florida Strategic Cryptocurrency Reserve; authorizing payment of the reasonable cost of administering and managing the reserve from a specified source; authorizing the Chief Financial Officer to purchase cryptocurrency for the reserve only if a specified condition is met; creating the Florida Strategic Cryptocurrency Reserve Advisory Committee for a specified purpose, etc.

Full bill text →

Plain English Summary

AI-GENERATED
Creates a state cryptocurrency reserve managed by the CFO.

The Chief Financial Officer gains authority to acquire, exchange, sell, and manage cryptocurrency for a new state reserve. This grants broad discretion to invest public funds in digital assets.

The CFO may only purchase cryptocurrencies with an average market capitalization of at least $500 billion over the preceding 24 months. This specific financial threshold limits the types of digital assets eligible for the reserve.

The bill creates a five-member advisory committee to advise the CFO on valuation, investment policies, and custody practices. The CFO appoints four members and serves as chair, retaining final decision-making authority.

The bill takes effect only if SB 1040 or similar legislation becomes law. This contingent effective date means the reserve will not exist unless the companion bill is also enacted.

KEY PROVISIONS
§ 1 Reserve Management Authority majors. 215.993(1)

AIGrants the Chief Financial Officer broad discretion to acquire, exchange, sell, and retain cryptocurrency, subject to a prudent investor standard.

“may acquire, exchange, sell, supervise, manage, or retain cryptocurrency” bill text, line 128 →
§ 2 Market Capitalization Threshold majors. 215.993(2)

AIProhibits the purchase of any cryptocurrency that has not maintained an average market capitalization of at least $500 billion over the preceding 24 months.

“only if the cryptocurrency has had an average market capitalization of at least $500 billion” bill text, line 139 →
§ 3 Derivative Investment Authority moderates. 215.993(4)

AIPermits the Chief Financial Officer to invest in cryptocurrency derivative instruments if determined to be in the best interest of the state.

“may invest in derivative instruments of cryptocurrency” bill text, line 153 →
§ 4 Advisory Committee Creation moderates. 215.993(6)(a)

AICreates a five-member advisory committee to advise on valuation, investment policies, and custody practices, with members serving at the pleasure of the Chief Financial Officer.

“The Florida Strategic Cryptocurrency Reserve Advisory Committee is created to advise the Chief Financial Officer” bill text, line 26 →
§ 5 Contingent Effective Date moderates. 4

AIDelays the effective date of the act until July 1, 2026, contingent upon the passage of SB 1040 or similar legislation in the same session.

“shall take effect on July 1, 2026, but only if SB 1040 or similar legislation takes effect” bill text, line 214 →
TIMELINE
3/13/2026
Died in Appropriations Committee on Agriculture, Environment, and...
2/4/2026
CS by Banking and Insurance read 1st time
1/29/2026
Now in Appropriations Committee on Agriculture, Environment, and...
1/29/2026
Pending reference review under Rule 4.7(2) - (Committee Substitute)
1/28/2026
CS by Banking and Insurance; YEAS 10 NAYS 0
1/23/2026
On Committee agenda-- Banking and Insurance, 01/28/26, 10:30 am,...
1/13/2026
Introduced
1/7/2026
Referred to Banking and Insurance; Appropriations Committee on...
12/30/2025
Filed
3 EARLIER →
STATUTES IT CHANGES
s. 215.991
+19 / −0
s. 215.992
+524 / −0
s. 215.993
+686 / −0
STAFF ANALYSES