The U.S. Congress hides the digital dollar in a housing bill, banning CBDCs until 2030!

The US Congress has just sealed the fate of CBDCs until 2030 by banning them through a housing bill. A surprising decision, where Trump, the Republicans, and even some Democrats join forces. But who are they really afraid of? And why now?

The prohibition of CBDCs, a bipartisan win in a housing-related bill

Ironically, it is in a real estate bill, the “21st Century ROAD to Housing Act”, that Congress slipped a political bomb: banning the Fed from creating a CBDC until December 31, 2030. Led by figures like Tim Scott (R-S.C.), Elizabeth Warren (D-Mass.), French Hill (R-Ark.), and Maxine Waters (D-Calif.), this text reflects a rare bipartisan compromise in a divided America.

The bill, intended to boost the supply of affordable housing and limit the influence of investment funds on the real estate market, served as a Trojan horse for opponents of CBDCs. A classic legislative strategy… attaching a controversial measure to a “must-pass” text. Result? The Fed finds its hands tied for nearly 5 years, while private cryptos like bitcoin breathe… for now.

Why is there a moratorium? The senators are scared of whom? Trump, of course

Behind this ban, there is certainly a visceral fear of seeing Donald Trump or a future president manipulate a CBDC for political purposes. Indeed, his term ends in January 2029, but his influence on the markets remains intact. Let’s recall his historic and provocative tweets that shook the bitcoin price several times. The Republicans, majority in the House, certainly see it as an economic control weapon.

Indeed, a CBDC would allow the State to monitor transactions, or even freeze accounts, which is a nightmare for libertarians. The Democrats, on the other hand, likely fear a partisan diversion where Trump could use it as a clientelism tool. This could explain this preventive blockage, while the debate matures… or until Trump definitively leaves the scene. Meanwhile, the United States are giving free rein to China and its e-CNY.

The US Congress locks the CBDC door until December 31, 2030. Between possible mistrust towards Trump, crypto lobbying, and technological war, one question remains… Aren’t the United States risking missing the monetary innovation train? And you, do you think this ban is wise or a historic mistake?