When credit card interest rates cap at 10%, something interesting happens to the money flow.

Think about it: lower borrowing costs mean people keep more cash on hand. That disposable income doesn't just sit idle—it goes somewhere. People spend more, businesses see higher demand, and the whole consumer engine runs a bit hotter.

But here's the thing: not all that liquidity stays in traditional spending. Some of it hunts for better returns elsewhere. When traditional savings accounts and bonds offer minimal yields, where does the excess capital migrate? Into alternative assets, including the crypto market. This policy-driven shift in disposable income directly influences how much fresh capital flows into different asset classes, including digital assets.