Trump announces a 10% cap on credit card interest rates for one year, effective January 20, aimed at reducing the current high interest burden (up to 35.99%)
The move addresses public concerns about debt costs, but requires congressional legislation, with details unclear. Data shows credit card interest in 2024 exceeded $160 billion, a 50% increase, with total debt reaching $1.23 trillion
Despite warnings from opponents that the policy could backfire, surveys show majority public support for the cap.
I was even earlier and more down-to-earth than them, barely making ends meet—do you still know anyone else?
This group photo was taken about ten years ago (around 2015-2016), featuring early Chinese Bitcoin enthusiasts or crypto community members at a face-to-face gathering or event. The background is a modern minimalist indoor space (resembling a conference room or hotel lobby). Everyone is dressed very casually and朴素 (T-shirts, shorts, slippers, tank tops, jeans, sports shoes), with many wearing glasses. The overall look is the quintessential style of middle-class programmers or early crypto geeks—definitely not resembling wealthy individuals. But as you might know, many of these people became major figures a decade later.
What does this move more subtly indicate? You other little brothers better hurry up and take action—your big brother has already stockpiled.
If BTC is used as strategic reserves, how high it needs to rise to repay U.S. debt depends on the base volume.
It can both create digital gold and establish a digital dollar system, seizing the initiative to attract global capital and gain control over the financial system.
monetary sovereignty, capital order, and global competition
Vitalik's proposal for 'a better decentralized stablecoin' is essentially not a technical issue, but a profound reflection on monetary sovereignty, capital order, and global competition . Stablecoins appear to be price-anchoring tools on the surface, but in reality, they are a reflection—or even an extension—of the existing US dollar system. When the industry becomes overly dependent on US dollar-backed stablecoins, the crypto world inevitably gets drawn into the financial and political orbit of the United States. From a global perspective, the U.S. promoting, allowing, or suppressing stablecoins has never been purely about risk management—it's an extension tool to incorporate crypto assets into its financial hegemony system;
Understanding and Adapting to the - Cyclical Changes in Crypto
Cycle of Wealth
The current crypto cycle (this round after the 2024 halving) differs significantly from past cycles: it is no longer a simple four-year boom-bust cycle driven solely by 'halving + retail FOMO,' but has evolved into a mature long cycle dominated by 'institutional allocation + macro liquidity.'
In previous cycles (2012-2013, 2016-2017, 2020-2021), the core logic was supply shock (halving) + retail frenzy: BTC surged first → capital flowed into ETH → altcoins rallied broadly → leveraged speculation escalated → bubble burst with over 80% drawdown—classic four-year script almost identical each time. But this round (after the 2024 halving up to January 2026) has fundamentally different underlying conditions:
Trump Urges American Oil Giants to Repair Venezuela's 'Decaying' Energy Sector
Trump urges American oil giants to intervene in repairing Venezuela's 'decaying' energy sector. On the surface, it's economic aid and industrial reconstruction—but beneath, could it be a highly politicized, financialized energy博弈?
Against the backdrop of reshaping global energy格局, frequent geopolitical conflicts, and mounting pressure on the dollar system, Venezuela—the country with the world's largest proven oil reserves—has once again become a strategic fulcrum. For Trump, the goal goes far beyond simply 'restoring production'—might there be several underlying meanings?
The first layer is pricing power. Once U.S.-controlled entities dominate Venezuela's oil export structure, its crude will be more anchored to the U.S. financial and trade systems, reducing OPEC's internal bargaining space and indirectly curbing the influence of the Middle East and Russia.
Insiders: There is a possibility that the vote on the 'Cryptocurrency Market Structure Act' could be delayed
Significance: The U.S. aims to establish rules for the crypto industry, seeking a bipartisan bill that is acceptable to both parties and unlikely to be overturned. Therefore, the acceleration of structural legislation has triggered a surge of activity.
Reflections on TRON Receiving the 'Global Star of Blockchain Ecosystem Growth' Award on January 9, 2026
When the top stage of traditional finance—the Hong Kong Forum on Wealth Management—awarded the 'Global Star of Blockchain Ecosystem Growth' to TRON, this moment itself became a watershed in history.
It marks that blockchain is no longer a fringe experiment, but has been formally recognized by the mainstream financial world as an indispensable infrastructure participant.
The figures presented by Justin Sun (Justin 'Cut') in his video speech—352 million accounts, over 12.3 billion transactions, and $23.76 billion in TVL—seem no longer just on-chain data, but rather, proof of a 'new financial reality' in a sense.
Tom Lee's fund analyst: US stock market rally will continue for another six to eight weeks, then face resistance
Will the US stock market rally be about to reverse: Tom Lee team's warning and implications for the crypto market
In the world of cryptocurrencies, US stock trends often serve as a barometer. Mark Newton, an analyst from Fundstrat founder Tom Lee, shared insights on the 2026 market: although the S&P 500's year-end target is as high as 7,300 points, the current rebound is expected to last only about eight weeks, after which strong resistance will emerge.
This means the market may enter a period of consolidation and volatility starting from late February or early March, continuing through the end of May. Newton specifically pointed out that the downturn in technology stocks will be the main catalyst—giants like NVIDIA and Microsoft, after three years of explosive growth, are now showing signs of weakness. This will drag down the overall market, leading to a short-term bottoming phase.
Morgan Stanley: The Fed's resumption of asset purchases has eliminated liquidity risks
Meaning: The Fed is injecting liquidity into the market to provide a safety net, and the risk of a systemic 'cash shortage collapse' may have been temporarily suppressed.
The UK's Financial Conduct Authority will open the application channel for cryptocurrency company licenses in September 2026
Significance: The UK is issuing 'official entry passes,' accelerating the transformation of gray-market experiments into the national financial system.