The U.S. policy circle just dropped a big bomb—starting in 2026, credit card interest rates will be forcibly capped at 10%. At first glance, it seems insignificant, but once you do the math, it becomes clear.

Currently, Americans using credit cards face an average annual interest rate of 20-30%, with monthly payments essentially working for the banks. If the rate drops to 10%, considering the $1.3 trillion credit card debt scale, the annual interest savings would be $260 billion. This money doesn't appear out of thin air; it is forcibly taken out of financial institutions' pockets and directly injected into the consumer market and investment sectors.

This isn't printing money, but its destructive power is even more severe—equivalent to a covert "liquidity shift." Banks certainly won't sit idly by; their countermeasures are straightforward: tighten credit card limits, raise lending thresholds, and rely on service fees and other channels to boost profits. The ultimate outcome is a tug-of-war—will the consumer side experience a surge, or will the overall credit environment be subtly tightened?

The key lies in where this money ultimately flows. If it enters consumption, risk assets may benefit. If market expectations worsen, people will seek more stable asset allocations. Under this uncertainty, strategies that provide steady cash flow become most attractive—such as participating in arbitrage models with stablecoins, using predictable yields to hedge against market volatility.

Smart capital has already begun to position itself; regardless of which scenario ultimately wins, anchoring a stable income stream in advance is the best strategy.