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.
A MESSAGE FROM OUR PARTNER
The Rail That Finally Went Live
The U.S. payment system crossed an important threshold this year — one that arrived with almost no attention. By the end of the third quarter, FedNow had processed 2.5 million instant payments with a daily value above $3.3 billion, according to data released in October. More than 1,500 banks and credit unions across all 50 states are now plugged into the network.
No speeches. No headlines. Just a new financial rail quietly becoming part of the country’s backbone.
When Instant Payments Became Institutional
The most significant change came in November, when FedNow raised the transaction limit to $10 million. What began in 2023 as a system for consumer transfers is now capable of handling corporate treasury flows, vendor payments, and business-to-business settlement — areas once reserved for wire transfers and batch systems. The infrastructure has matured far faster than many expected.
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The Global Benchmark That Shows the Contrast
While the U.S. moves cautiously, the global landscape shows how quickly real-time rails can scale. Brazil’s Pix now serves more than 120 million users. India’s UPI processed over 170 billion transactions last year. These differences reflect regulatory incentives and market structure, not technology.
The Politics Now Shaping the Digital Dollar Debate
The policy environment has shifted as well. In January, President Trump signed Executive Order 14178 blocking federal agencies from creating or promoting a CBDC. In July, the House narrowly passed the Anti-CBDC Surveillance State Act, requiring explicit congressional approval before the Fed can issue a digital dollar. International bodies are watching closely: the IMF’s November guidance highlighted growing interest in wholesale CBDCs, while the ECB reiterated that a digital euro would not include state-imposed programmability.
For households, the picture is more personal. The Fed’s 2025 payment study found that cash still accounts for 14% of transactions and remains a preferred backup for more than 90% of consumers. At the same time, concern over financial data privacy is rising: 77% of Americans worry about who can see their transaction data, and 72% say they would switch institutions if they felt that information wasn’t protected.
Partner Resources:
▶ Trump’s Economic Plan Is Driving a “Golden Anomaly
(by Golden Portfolio)
▶ The Perfect Combo: 0% APR + Free Travel
(by FinanceBuzz)
▶ This company is buying TWO TONNES of gold a week [find out why]
(by Golden Portfolio)
Why This Will Matter More With Each Passing Year
FedNow doesn’t eliminate choice. But it does shift more everyday activity into systems where data is captured, stored, and governed by rules still being shaped. As instant payments become the default setting, understanding those rules — and who controls them — will matter more with each passing year.
Deniss Slinkins,
Global Financial Journal
