2026-01-12 12:36:06

Trump recently proposed a new policy suggestion, advocating to set the credit card interest rate cap at 10%. Once this voice emerged, the US stock banking sector responded quickly—many leading bank stocks fell accordingly. Among them, JPMorgan was the most moderate, declining by 2.4%; Citibank was under greater pressure, dropping by 3.6%; Bank of America also couldn't escape the downward trend, falling by 1.5%.

The logic is quite straightforward: limiting banks' interest income directly impacts profit expectations, and shareholders will naturally vote with their feet. For those paying attention to global financial market trends, such policy adjustments often trigger chain reactions—from traditional financial markets to other asset allocations, including risk appetite adjustments in the cryptocurrency market. Therefore, news of this kind of policy is worth keeping an eye on.

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MetaverseHermit

· 4h ago

Bank interest rates are being fixed, and traditional finance will have a tough time. But speaking of this, could there be an opportunity for on-chain lending?

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NoodlesOrTokens

· 01-12 13:04

The cap on interest rates, this move, has directly impacted traditional finance, but it might actually be an opportunity for our crypto circle. Banks are having a tough time, risk appetite is decreasing, and capital flows will change... we need to keep an eye on that. A 10% interest rate cap? Ha, if this policy was really going to be implemented, we should have already been bearish on US bank stocks. This wave of impact is quite significant, we need to quickly adjust our investment portfolios. Just one policy statement can cause a 3.6% drop; the market reacts so sensitively, there are still uncertainties ahead. Interesting, traditional finance is being suppressed, and the crypto market's performance might need to be viewed in a reverse way. It feels like this is just the beginning, we need to pay attention to the subsequent public opinion trends.

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zkProofGremlin

· 01-12 12:58

Whenever traditional finance moves, crypto has to shake three times. This wave of policy shifts really shouldn't be underestimated.

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SighingCashier

· 01-12 12:57

10% interest rate cap? Banks are about to cry haha --- Traditional finance has changed, and our crypto circle is also getting restless. We've seen this routine too many times --- JPMorgan only fell 2.4%, they’re just pretending not to care --- It's another political figure's mouthpiece, whether it can be implemented or not is another story --- If this really happens, the US stock bank sector could jump down from a high platform --- Once risk appetite adjusts, the crypto market needs to be cautious --- Citibank directly dropped 3.6%, this reaction speed is incredible --- Policy tightening and loosening, retail investors are swinging unpredictably --- Banks can't make money anymore, retail investors are suffering too. This logic is dead set

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NFTDreamer

· 01-12 12:53

Haha, the banks need to be taught a lesson. The 10% interest rate cap should have come long ago. --- When traditional finance collapses, retail investors rush into the crypto space. This pattern is undeniable. --- JPMorgan Chase has fallen the least? Who do they think they are? --- Cutting interest income will really affect the crypto market's risk appetite. This logic is actually clearer. --- Wait, can policies really be implemented? Feels like just pie in the sky again. --- I don't know if the banks are panicking, but this certainly isn't bad for us holders. --- Even Citibank has dropped 3.6%, the market is still a bit afraid of Trump. --- Instead of watching bank stocks fall, it's better to see if this will trigger a crypto rebound. --- Policy news definitely needs attention, but don’t get caught off guard and lose everything. --- This is truly the embryonic form of a financial revolution.

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RooftopVIP

· 01-12 12:46

Bank stocks are falling happily, which shows that grandpa's move really can shake up the market... 10% interest rate cap? Traditional finance is cutting its own flesh, but thinking this way, CeFi folks probably aren’t feeling too good either. The real opportunity might be in retail investors' hands; where will idle funds flow to then... We definitely need to keep an eye on this wave; if policy directions change, the sentiment on the crypto side must also adjust. When the US stock market moves, the entire market has to spin along with it—just get used to it. What new tricks is Trump playing this time? It always stirs the market, but we’re used to it... Banking is hurt, can risk assets still be bought at the bottom? Should we take a gamble? Is this traditional finance destroying itself? It doesn’t feel quite right. Interest rate restrictions... sounds like protecting consumers, but in the end, isn’t it the ordinary people who pay the bill? Wait, will this affect stablecoins? Need to think about it.

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