(a) MORATORIUM.—
 (1) IN GENERAL.—During the 2-year period beginning 6 months after the date of enactment of this Act, it shall be unlawful for a financial institution to handle, use, or transact with—
 (A) any incoming funds that have been routed through a digital asset mixer operating on a cryptographically secured distributed ledger; and
 (B) any outgoing funds routed directly to a digital asset mixer operating on a cryptographically secured distributed ledger.