When major policy shifts hit the financial sector, markets react fast. This week, credit card issuing institutions faced pressure from a directive to cap interest rates at 10%. For the fintech and traditional finance world, this represents a significant policy intervention in consumer lending. The move sparked immediate reactions across the financial industry, with executives scrambling to assess implications for their business models. Such regulatory pivots raise broader questions: how do traditional finance rate caps influence the cryptocurrency market and alternative financial solutions? When traditional lending faces restrictions, some investors look toward decentralized finance and digital assets as alternatives. It's a reminder that macro-level policy decisions ripple across all financial sectors.