Donald Trump has been re-elected as President of the United States, securing 295 electoral votes after a tough fight against the Democratic candidate Kamala Harris. Now, attention turns to how his administration might impact industries, especially the fintech sector, in the coming years.

While fintech wasn’t a big topic during the debates, Trump’s and Harris’s different views on regulation could shape the future of this growing industry. Experts from various parts of fintech believe that Trump’s policies could bring significant changes, especially in areas like cryptocurrency and financial regulations.

One major area expected to see changes is cryptocurrency. Many believe that under Trump’s administration, regulations around digital currencies might loosen. This could spark more innovation, as Mouloukou Sanoh, CEO of decentralized finance (DeFi) platform MANSA, explains. He believes that if Trump follows through on his pro-crypto stance, it could create a more welcoming environment for blockchain technology and DeFi. Clearer rules could not only protect investors but also encourage more participation in tokenized assets like real estate or traditional financial markets. For companies like MANSA, this would help them grow and promote wider use of blockchain in transforming traditional assets.

This positive outlook is shared by others like Amr Adawi, co-CEO of MetaWealth, a platform that tokenizes real estate assets. He sees the Republican focus on protecting digital asset rights as a huge boost for tokenized real-world assets (RWAs). With clearer regulations, more U.S. investors could join the space, which would help accelerate the adoption of these new financial tools.

Cryptocurrency prices have already responded positively to Trump’s re-election. Shivam Thakral, CEO of BuyUcoin, noted that Bitcoin surged past $76,000, setting a new record, while Ethereum and Solana also saw significant gains. This surge reflects growing optimism around Trump’s pro-crypto stance and the hope for more favorable regulations in the digital asset market. Investors seem confident that this momentum will continue, potentially leading to further growth in the crypto space.

Ryan Lee, a chief analyst at Bitget Research, also commented on Bitcoin’s price rise. He explained that Trump’s win has caused sidelined funds to re-enter the market out of fear, driving Bitcoin’s price higher. Institutional investors are showing confidence by going long on Bitcoin futures. In the medium-to-long term, Trump’s policies might support Bitcoin’s growth even further, although they may also increase inflation in the U.S., leading to higher interest rates.

Another expert, Monica Eaton from Chargebacks911, believes less regulation under Trump isn’t necessarily bad for financial services. She emphasized that businesses should be proactive and use all available tools to combat fraud—especially given that fraudulent chargebacks cost companies $243 billion annually. Eaton thinks that looser regulations could actually help businesses like hers fight fraud more effectively by allowing them to access more data and use advanced AI systems to make smarter decisions.

Benjamin Avraham, CEO of fintech startup Okoora, sees challenges ahead for businesses involved in international trade. He believes Trump’s economic policies—such as tax cuts and infrastructure spending—might weaken the U.S. dollar, increasing volatility for companies operating globally. Businesses may need to adopt currency hedging strategies to protect their profits from these fluctuations. Avraham stressed that companies need to be adaptable and prepared for possible changes in supply chains, pricing strategies, and regulatory environments.

Despite some market uncertainty after the election results, many remain optimistic about what Trump could do for the economy. Rohit Arora from Biz2Credit thinks Trump will focus on cutting inflation and reducing government debt by curbing spending programs. He also expects Trump to push for less banking regulation, making it easier for small businesses to get loans faster. Arora believes Trump’s return to office could help restore confidence in the U.S. economy and improve access to capital for small businesses—the backbone of America’s economic strength.

In summary, while there may be volatility ahead, many in fintech are hopeful that Trump’s policies will support innovation in cryptocurrency and financial services. His approach could create opportunities for businesses willing to adapt and prepare for the future.