IN PARTNERSHIP WITH
It's Already Here...
While America's distracted, the Fed quietly launched FedNow - a 24/7 instant payment system that's laying the foundation for a U.S. Central Bank Digital Currency (CBDC).
They claim it's about speed and convenience...
But beneath the surface, a system of surveillance and control is being built impacting our financial privacy and freedom.
Ask yourself:
If every transaction becomes digital, what happens to your privacy?
Could "programmable money" be used to limit how - or where - you spend?
Could access to your savings or retirement be limited by someone else's rules?
This isn't hypothetical.
And even Trump - who once criticized digital currencies - is now supporting a national crypto reserve... and has adopted projects like Trump-themed tokens.
The writing is on the wall. Once this system is fully operational, opting out may no longer be an option. If adoption becomes widespread, preserving financial alternatives could become impossible.
That's why this free guide is so urgent. It reveals the real risks - and what you can do right now to protect your financial freedom before it's too late.
FedNow, the Federal Reserve’s instant payment rail, continues to expand across the U.S. banking system, providing real‑time settlement but not reinventing the nation’s currency. The system now processes payments around the clock among depository institutions. Its strength lies in infrastructure, not in issuing new money — a key distinction often blurred in debates about a “digital dollar.” Instead, Washington’s attention is fixed on the regulation of private‑sector stablecoins under the newly enacted GENIUS Act, with Treasury beginning its initial rulemaking toward defining issuers’ access and obligations.
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What the Rails Actually Do
The latest quarterly release shows FedNow settling 2.5 million payments in the third quarter of 2025, a total value of roughly 307 billion dollars. Transaction count rose by nearly 18 percent from the previous quarter, and total value increased by 25 percent. The average payment of around 122 thousand dollars points to heavy business and institutional use rather than person‑to‑person transfers. Daily activity averaged more than 27 thousand transactions worth 3.3 billion dollars.
These numbers describe a payment rail, not a new monetary unit. FedNow is a settlement service connecting participant banks and credit unions for instant clearing.
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Policy in Motion
Policy activity this past week centered on Treasury’s first steps under the GENIUS Act. The department opened its preliminary comment process on issuer disclosure and reserve standards, setting the stage for a federal framework to govern stablecoin issuance. The Act’s structure aims to unify oversight now split among state regimes and to clarify the legal nature of payment‑backed tokens.
Commentators at Brookings outlined the early policy divide: whether stablecoin issuers should hold direct Fed master accounts; how audits and redemption reporting will operate; and how anti‑money‑laundering rules will align with existing bank compliance frameworks. The conversation now moves from Congress to agency rulemaking, with several issues — especially on access to Fed settlement systems — unresolved.
Programmability and Privacy
The term “programmable money” rarely matches operational reality in U.S. payments. So-called programmability simply means rule-based features like scheduled or conditional transfers. These functions occur at the software or bank‑application layer, not within the settlement network itself. FedNow enables instantaneous clearing between accounts, but it does not encode behavioral rules or transaction limits.
This distinction matters as policymakers consider privacy and oversight. Treasury’s early GENIUS work includes proposals for standardized wallet‑level disclosures and auditability of reserves, raising concern from some privacy advocates about excessive data sharing between intermediaries. No new federal privacy framework specific to real‑time transaction data has been published in the past week. In practice, current oversight continues under the long‑standing Bank Secrecy Act and anti‑fraud compliance rules.
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Conclusion
America’s digital‑money landscape in 2025 is defined less by new currencies than by new rails and rules. FedNow’s steady expansion underlines the central bank’s infrastructural role, while ongoing GENIUS Act rulemaking reflects the government’s cautious approach to the private‑issuer frontier. The core question is not whether a U.S. digital dollar is imminent, but how the payment environment will balance transparency, access, and privacy as settlement speeds increase.
Deniss Slinkins,
Global Financial Journal
