The financial landscape at the beginning of 2026 is undergoing subtle changes. The United States announced the implementation of an annual cap policy of 10% on credit card interest rates, directly targeting the traditional banking system which once had interest rates as high as 20%-30%. This move actually signals that the monopoly of traditional finance is being broken.

What do the public think? Basically, they've been "bleeding" from traditional credit card companies for too long. A single card with over 20 points of interest—this is a clear account. With the policy in place, a large amount of capital will seek new channels.

Interestingly, during the same period, the digital asset sector is heating up. Stablecoin payments, DeFi lending, and other decentralized finance solutions are beginning to emerge, becoming supplements or even alternatives to traditional finance. Cross-border payments are becoming cheaper, and lending costs are more transparent—these are inherent advantages of DeFi.

Some institutions have already started applying for relevant financial licenses to formally incorporate stablecoins into the compliance system. This step is crucial: moving from the gray area into the sunlight means digital assets are shifting from "speculation" to "practicality."

In the long run, policy adjustments plus technological innovation may truly enable the US to build a new financial infrastructure that is lower in cost and higher in efficiency. For those holding $BTC and other assets, the underlying logic behind this is worth pondering—systemic change often begins with policy loosening.