2026-01-13 11:40:30

The US stock market rebounded across the board today, with risk appetite clearly increasing. Among them, technology stocks and small-cap stocks performed the best, with gold and silver following suit and soaring.

The core driver of the index restructuring comes from new developments in the AI ecosystem. Google's market capitalization officially surpassed $4 trillion, mainly catalyzed by Apple Siri integrating with the Gemini AI model. This synergy has re-priced market expectations for the AI ecosystem. Meanwhile, traditional retail giant Walmart announced its inclusion in the Nasdaq 100 index, marking the completion of a "tech-driven transformation" for traditional companies from valuation to market recognition, with passive capital inflows becoming a certainty.

On the other hand, the financial services sector is not so happy. $UPST, $AFRM, $SOFI, and other lending platforms collectively plummeted due to new Trump policy measures—setting a 10% cap on credit card interest rates. What does this mean? The interest margins for banks and lending platforms have been forcibly compressed, and profit expectations for high-risk lending models have been downgraded. The market logic is clear: technology benefits from "certainty," while finance faces "policy cuts."

This is not just simple risk withdrawal but a structural reallocation of funds. Viewing the crypto market from this perspective—structural reassessment in traditional finance often precedes crypto volatility. When traditional finance faces policy pressure and interest margins are squeezed, institutions and retail investors will reassess the allocation value of $BTC and $ETH as alternative assets. Cryptocurrencies like $XRP, which have payment attributes, are also worth paying attention to in this liquidity reorganization. This round of US stock market adjustment is very likely to be reflected in the upcoming crypto market trends.

BTC-3,65%

ETH-6,61%

XRP-5,13%

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JustAnotherWallet

· 01-16 05:58

Technology is eating away at certainty in finance, and getting cut down—that logic is very clear. --- Google has surpassed $4 trillion? Siri’s move to integrate Gemini is indeed brilliant, but it still feels like capital is looking for the next hot spot. --- Capping interest rates at 10% directly cuts off credit platforms. How will $UPST and others survive... --- The reallocation of capital structure is well explained. It seems that the crypto space will definitely need to move next. --- Is $XRP’s payment attribute worth paying attention to? It still depends on how liquidity develops. --- Walmart entering the Nasdaq 100 is not really a tech transformation; traditional retail is just following the trend. --- The current US stock market correction will need to transmit to the crypto circle; it depends on whether institutions will truly treat alternative assets seriously. --- Financial policy tightening is compressing interest rate spreads, but crypto might be poised for opportunities? That logical contrast is quite interesting. --- Are $BTC and $ETH’s allocation values being reassessed? We still need to wait for real liquidity data to speak. --- Google and Apple’s recent collaboration is quite good, but after such a long hype around AI concepts, it’s hard to say how much longer it can keep rising.

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OnchainGossiper

· 01-16 04:02

Technology eats the flesh, finance gets cut, this rhythm... Gemini integrating Siri is really amazing. If this continues, BTC should wake up.

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LazyDevMiner

· 01-14 08:54

Wow, Google has broken 4 trillion? AI is really going to consume everyone. Another wave of technology crushing finance... UPST these guys are really miserable, a policy crackdown and they’re out of business. Wait, if we apply this logic to the crypto world... maybe BTC and ETH will also have to stir up some movement? Traditional finance is taking hits, funds need to flow elsewhere. Is it really our turn this time? Forget it, I’ll just keep mining. Don’t think about these things. In the end, it all comes down to on-chain data.

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LiquidationWizard

· 01-14 07:21

Tech eats meat, finance drinks soup, this rhythm is quite interesting Reevaluation of the AI ecosystem, any involvement is taking off. Pity for those lenders who were cut off directly by Trump Wait, Walmart is entering the Nasdaq 100? Are traditional companies really starting to "techify"? Can this wave of capital flow push up BTC? The ten-dollar interest rate cap is really harsh. The plunge in financial stocks actually gives us a signal. Structural reallocation is a done deal. The reason why XRP can't rise has been found!

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AlwaysQuestioning

· 01-13 12:10

Tech stocks eat the meat, financial stocks drink the soup, I'm tired of this routine... But can XRP really rise this time?

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4am_degen

· 01-13 12:09

Technology eats the meat, finance drinks the soup. I've seen this routine too many times; BTC is the real safe-haven asset.

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DataBartender

· 01-13 12:08

Technology eats the meat, finance drinks the soup. This wave of structural differentiation is really clear. It feels like the next step in the crypto circle is to follow the rhythm of the US stock market.

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ImpermanentSage

· 01-13 12:05

Technology eats the meat, finance drinks the soup. This wave of structural shift is quite obvious.

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DataChief

· 01-13 11:46

Tech companies band together to eat the pie, while finance gets cut by policies? This rhythm feels familiar, crypto should have reacted earlier. I don’t understand why Walmart suddenly became a tech stock... Is this another new story being told? In an era where interest spreads are squeezed, does BTC still have investment value... I’m increasingly unable to understand this market. Google’s $4 trillion valuation? I can’t tell if this valuation is outrageous or not, just a pure follow-the-leader relay race. The key is whether XRP can take the opportunity to turn things around this time, otherwise the 2026 outlook will be a wasted forecast.

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