Recently, the crypto world seems calm on the surface, but undercurrents are surging. A policy adjustment announced by Trump could have an impact that surpasses any Federal Reserve rate hike or cut, directly reshaping the flow of funds in the crypto market over the next six months.

Key information: Trump officially announced that starting from January 20, 2026, the maximum interest rate on US credit cards will be set at 10%. On the surface, this appears to be just a policy adjustment, but behind it lies a deeper game of circumventing the Federal Reserve system and releasing private sector liquidity—every holder of digital assets cannot stay unaffected.

The data clearly illustrates the issue. Currently, the annualized interest rate on US consumer credit cards generally ranges from 20% to 30%. In extreme cases, someone with an overdue of 8,000 yuan for a week was fined over 170 yuan in interest, causing the annualized rate to soar above 18%. In this $1.3 trillion credit card debt pool, most debtors’ monthly payments are essentially "paying interest and rent," with little to no principal reduction.

Once the 10% interest rate cap is implemented, it’s equivalent to giving US consumers a discount on their monthly payments. Conservative estimates suggest that over $100 billion in interest savings could be released annually. This money flows back into the pockets of ordinary consumers, transforming into freely disposable cash flow.

The significance for the crypto market is that this kind of "release of private sector liquidity" could be more direct than Fed QE. QE funds often first flow to financial institutions and only enter the market after several rounds of transfer; whereas this released consumer cash flow is hard currency, directly increasing the overall society’s willingness to allocate to risk assets. When consumers have several hundred dollars more in free cash each month, high-risk, high-reward assets like cryptocurrencies naturally attract some of that capital.