2026-01-13 00:20:28

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.

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GateUser-6bc33122

· 01-15 23:58

Whoa, $100 billion in liquidity released, how many coins does that take to pour in? --- Once this policy is implemented, Americans will have money to play with risk assets. We must keep a close eye on it. --- Cut credit card interest rates in half? Those who pay monthly installments can finally breathe. It’s only a matter of time before this money flows into crypto. --- More direct than QE? Do you think this might be a disguised positive signal for the crypto market from Trump... --- $1.3 trillion debt pool releases interest. Spread out over consumers, it’s indeed a significant number, but how much of it will really flow into crypto? --- Wait, this policy doesn’t take effect until 2026? That’s still over a year away... Is it too early to speculate on concepts now? --- Just a few hundred dollars more each month and you want to buy coins? Americans’ consumption desires are really overestimated, huh. --- The core is liquidity. No matter where the money comes from, as long as it enters the market, it’s a positive signal. This logic is sound. --- The key question is whether financial institutions will try to plug this loophole, or if policies will become inconsistent later. --- That makes sense, but maybe we’re overestimating American consumers’ enthusiasm for crypto. After all, it’s still a niche investment.

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gas_guzzler

· 01-15 21:40

Haha, now retail investors might really take off, with a $100 billion cash flow release... --- Trump's move is a bit ruthless, more satisfying than a rate cut --- Wait, is this logic a bit too optimistic? Will consumers really go all in on crypto? --- Got it, got it. Large liquidity holders have already been deploying, while retail investors are still hesitating --- Monthly payments directly discounted by a hundred billion dollars, feels like flooding the market to foster growth --- The problem is, it doesn't start until 2026. Are we already hyping the concept now? --- Isn't this just a disguised QE, just with a different name

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HashRatePhilosopher

· 01-15 16:57

Wow, I like this logic. Directly releasing private sector liquidity is way more effective than QE.

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AllInAlice

· 01-13 03:27

Wow, a $100 billion liquidity release? If this really happens, retail investors will be ecstatic. Trump's move this time truly bypassed the Federal Reserve and played a big move, directly easing the burden on consumers. This is the real underlying funding-driven force, more intense than any interest rate decision. So, in the next half year, we really need to pay attention to the correlation between the US stock market and the crypto market; once the capital flow opens, it won't stop.

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WalletDivorcer

· 01-13 00:48

Holy shit, $100 billion in interest savings directly into consumers' pockets? Now that's real money printing!

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TokenomicsDetective

· 01-13 00:45

Wow, the $100 billion liquidity release directly flows into retail investors' pockets? That's even more aggressive than QE.

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GetRichLeek

· 01-13 00:43

Wow, $100 billion in consumer liquidity? This is basically QE for retail investors. I've finally got the chance to strike first.

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YieldFarmRefugee

· 01-13 00:35

Wow, $100 billion directly flowing back into the private sector, this is even more aggressive than QE. Trump's move is indeed brilliant; the extra disposable income for consumers will ultimately flow into high-risk assets. Looking at this time next year, it feels like the crypto market is about to take off.

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MetaverseLandlord

· 01-13 00:30

Wow, I need to carefully analyze this logical chain. Over $100 billion in liquidity released, easing consumers' monthly payments... This directly means adding leverage for retail investors, clever.

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UnluckyValidator

· 01-13 00:24

Damn, this logic is a bit extreme... The released consumer cash directly goes into the crypto world? --- $100 billion liquidity, feels like someone is going all in again --- Now the interest savings for Americans have to be used to buy coins and cover the losses for us? --- But if it really happens... should we get on board early? --- Damn, it's again policy-driven, you can never guess the next move --- Suddenly I understand, this is another way inflation is unleashed --- Wait, will Europe follow suit or not? --- After trading coins for so long, it’s still politicians who make the most money --- Consumer savings = retail investors taking the hit, no problem --- Honestly, this is actually more direct than the Fed cutting interest rates

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