The U.S. Senate has passed a bill that prohibits the Federal Reserve from issuing digital currency (CBDC) until the year 2030.
The digital dollar is locked up: The U.S. prioritizes privacy over technology
The sensational decision of the U.S. Senate (passed on March 12, 2026) effectively freezes the development of a state digital dollar for the coming years. This provision has become part of the broader law '21st Century ROAD to Housing Act,' which received convincing bipartisan support (89 votes in favor).
Key facts about the 'ban until 2030':
• Strict taboo: The Fed is prohibited from creating or issuing CBDC (centralized digital currency) directly to citizens or through intermediary banks.
• Reason — privacy: Legislators, led by Senator Ted Cruz, argued that CBDC could become a tool for 'financial surveillance' and government control over Americans' spending.
• Opportunity for stablecoins: This pause gives the green light to the private sector. Instead of a government token, the U.S. plans to develop an open system of private stablecoins (like USDC), which must more strictly respect transaction anonymity.
• Temporarily or forever? Although the current ban is in effect until the end of 2030.$ZAMA
