The traditional credit card market is facing potential disruption. A proposal to cap credit card interest rates at 10% for one year would reshape consumer finances dramatically—potentially saving Americans tens of billions. Yet the finance industry is pushing back hard against what was once a campaign promise.

This regulatory pressure on traditional lending highlights why decentralized finance and crypto platforms are gaining traction. While credit card rates remain stubbornly high in conventional banking, alternatives offering better terms and transparent fee structures continue attracting users seeking financial flexibility without traditional intermediaries' constraints.