3 Trump Dual Policy Facts: Protect Financial Access & Expand Crypto Investment for Workers

Jakarta, Pintu News – United States President Donald J. Trump signed two executive orders that are considered to be a big step for the crypto industry in the US. These policies ban political debanking practices and open up access for millions of workers to invest in digital assets through 401(k) retirement plans.

1. Ending the Practice of “Politicized Debanking”

Through an order titled “Guaranteeing Fair Banking for All Americans”, Trump prohibits banks and federal regulators from denying financial services to US citizens based on political beliefs, religion, or legitimate business activities.

This policy orders the removal of guidelines that allow debanking based on reputational risk, which has been used to block accounts or process transactions without a clear legal basis.

Some examples revealed by the White House include:

• Refusal to process ticket payments for certain political events.
• Banks that flag transactions simply because they include words like “Trump” or “MAGA”.
• Cases of denial of service to legitimate businesses, including Trump’s own.

Trump emphasized that practices like this are discrimination against conservative and religious groups, and his administration will make sure this doesn’t happen again. Regulators are being asked to:

• Review and remove policies that facilitate debanking.
• Provide sanctions or remedial orders for violators.
• Reporting faith-based debanking cases to the Attorney General.

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2. Opening a 401(k) for Digital Assets

The second order, “Democratizing Access to Alternative Assets for 401(k) Investors”, opens up investment opportunities in alternative assets, including crypto, to more than 90 million private sector workers in the US.
Previously, such options were only available to government employees and institutional investors.

This move is considered a way to:

• Balancing investment opportunities between the public and private sectors.
• Provide portfolio diversification for potentially higher returns.
• Expanding access to modern asset classes such as Bitcoin and other digital assets.

According to David Sacks, the White House official in charge of AI and crypto, this policy will give US workers access to investment instruments that have been limited, thereby increasing the potential for long-term wealth growth.

3. Impact on Crypto Industry

This policy has been welcomed by the crypto community as it is seen as removing structural barriers that hinder innovation. With the ban on debanking and the opening of pension access for crypto:

• Industry players will find it easier to get banking services.
• Retail investors get legal access to digital assets through authorized investment channels.
• The potential for new capital flows into the crypto market is growing.

Trump concluded his announcement by emphasizing,

“No American should be denied access to financial services because of his or her political or religious beliefs. Investment opportunities should not be limited by outdated rules or unfair restrictions.”

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Reference:

• Cryptopolitan. President Trump signs executive order to stop debanking of the Bitcoin and crypto industry. Accessed August 8, 2025.