According to @BullTheoryio, President Trump says credit card APRs will be capped at 10% starting Jan 20, 2026, a shift that could materially alter U.S. consumer finance dynamics. source: @BullTheoryio The author notes current card APRs are commonly 20–30% and estimates the U.S. credit card market exceeds $1.3 trillion with over $100 billion in annual interest payments, implying a cap could free household cash flow and lift risk appetite. source: @BullTheoryio The author argues that if credit availability is maintained, incremental consumer liquidity could support retail spending, stabilize equities first, and then bolster crypto via improved risk-on sentiment toward assets like BTC and ETH. source: @BullTheoryio Conversely, the author warns banks may protect margins by tightening lending through lower limits, fewer approvals, and stricter standards, which would dampen borrowing, consumption, and risk assets including crypto. source: @BullTheoryio The author emphasizes that market direction hinges on how the policy is implemented and on whether banks keep credit accessible, making lending standards and equity leadership key trading signals for crypto. source: @BullTheoryio