Many countries are accelerating on central bank digital currencies to circumvent bitcoin. The United States, led by a president who is keen on blockchain, is taking a radically opposite path. Trump categorically refuses to promote CBDCs, even if it means letting a major law come into force without his signature. This paradox questions: is the American strategy coherent or simply opportunistic?
In brief
- The American digital dollar is banned until 2030 by a housing law that became effective without signature.
- Trump refuses to sign the housing law, but the Constitution makes it effective after ten days of silence from the president.
- The CLARITY Act on crypto market structure could suffer the same fate as the housing law.
- Trump conditions his political support on the adoption of the SAVE America Act on voting with proof of identity and citizenship.
US CBDC banned until 2030, Trump absent
On July 11, 2026, a page in American monetary history turned at midnight. The 21st Century ROAD to Housing Act, a bipartisan housing bill, automatically became law without Donald Trump’s signature. The Constitution forced him to do so: ten days after his arrival on the presidential desk, the text comes into force, signed or not.
This bill contains a major provision for the financial industry. The ban on the Fed issuing a digital dollar until December 31, 2030 becomes effective.
Trump had planned a signing ceremony and had a platform installed. He ultimately refused to initial the text, protesting the lack of adoption of the SAVE America Act on voting.
Senator Elizabeth Warren, co-author of the project, noted:
He refuses to sign the largest housing bill in 30 years. The good news: It will become law either way.
This political gesture did not prevent the law from coming into force. In doing so, he may have opened a Pandora’s box for other crucial texts.
Trump’s standoff: the SAVE America Act as a political shield
The president conditioned his signing on passage of the SAVE America Act, requiring ID checks for voting. He called Republicans who voted for the bill “stupid.” on Truth Social.
This gesture questions the real intentions of the tenant of the White House. If Trump uses a housing law as a political bargaining chip, the CLARITY Act could suffer the same fate. This text, considered one of the most important for crypto regulation, aims to clarify the structure of the digital assets market.
Trump claims to want to “future-proof” crypto regulation, but his behavior could block the biggest legislative advance in the sector. The bill, already adopted by the House and two Senate committees, must still be submitted to a vote by senators.
If Trump repeats his “neither yes nor no” strategy, the text could become law without his signature or remain blocked. The president’s words on “future-proof” regulation seem light in the face of political reality.
CLARITY Act in danger: American crypto regulation on hold
The CBDC ban is a victory for the crypto industry, but the CLARITY Act remains a top priority for market participants. Without it, crypto investors remain in legal uncertainty, which slows down initiatives and capital.
Meanwhile, China is pursuing e-CNY and could gain a considerable head start. The United States, by banning its own digital dollar, risks losing its monetary sovereignty to Beijing.
The contradiction is striking: Trump earns $1.4 billion from his crypto ventures, but his political game threatens the regulation of the sector. The CBDC ban is a victory, but the CLARITY Act could become the next collateral victim of the president’s maneuvers.
Key figures to remember:
- Ban on CBDC until December 31, 2030;
- Effective date: July 11, 2026;
- Constitutional deadline: 10 days without signature;
- Trump’s crypto income in 2025: 1.4 billion.
Trump is on all fronts of blockchain and cryptos. American regulation is moving forward, with the GENIUS Act already ratified. A new version of the CLARITY Act is expected in the coming days to clarify the digital asset market.
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