From News To Moves
Trump’s Executive Order is dismantling surveillance banking and opening the door to alternative sovereign finance that you can take advantage of.
By Joseph Sherman
Truist Bank just settled claims that it turned its website into a covert tracking machine, harvesting IP addresses, click paths, and device IDs without customer consent. As it turns out, your bank was spying on you, observing what you click on like a jealous ex, and it wasn’t an isolated scandal. It revealed how surveillance has quietly crept into everyday finance to become the business model.
But now, President Trump’s August 7 Executive Order “Guaranteeing Fair Banking For All Americans” prohibits federally regulated banks from using government-directed surveillance programs to discriminate against customers based on political beliefs or lawful business activities the banks disapprove of. It’s effectively leading to “death of surveillance banking,” the end of politically motivated debanking and hidden data-mining by institutions that long operated as biased gatekeepers.
The new “Fair Banking” order removes the “reputation risk” loophole that banks once used to quietly de-bank controversial individuals or organizations. Even if banks deny engaging in political discrimination, they are now required to maintain auditable trails proving why they closed accounts or denied loans.
This compliance pivot echoes the Sarbanes–Oxley reforms after the Enron scandal. The law firm Foley & Lardner found that the law raised costs for smaller public firms by 171%. The winners were compliance software and auditing vendors whose revenues skyrocketed.
Today’s shift will likely produce the same boom in financial regulation technology. Global spending on RegTech is already projected to surpass $130 billion in 2025. This mandate from Washington could supercharge demand.
Banking surveillance cannot disappear overnight, which is why the administration is building a parallel track: sovereign finance. The GENIUS Act, signed earlier this year, created America’s first national stablecoin framework. Days later, Trump signed another order allowing crypto to be held in 401(k) accounts.
Together, these measures normalize surveillance-free money. Stablecoins already hold more than $250 billion in assets and could create $1 trillion in new demand for U.S. Treasuries over the next three years. And Bitcoin ETFs now provide retail investors with exposure through retirement accounts. That’s a tidal wave coming our way.
Sovereign finance is no longer fringe. It’s being written into U.S. law. In other words, Washington killed surveillance banking and accidentally handed Main Street a “freedom pass” to “big-brother” free money.
The death of surveillance banking is creating a dual growth surge. Banks must pour money into compliance tech, while sovereign finance, aka crypto, gains legitimacy through stablecoins and Bitcoin ETFs. Together, these shifts open powerful new channels for investors positioned at the intersection of regulation and crypto adoption.
The dismantling of surveillance banking is fueling a two-pronged growth story: compliance tech becomes mandatory infrastructure, while sovereign finance goes mainstream. Investors positioned on both sides of this shift (regulatory technology and crypto ETFs) gain exposure to the structural winners of the new financial order.
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