Bitcoin Nears US$90k as Rebound Signals Emerge 

Bitcoin is hovering around US$90.6k, and some on-chain analysts argue a short-term rebound window may be opening, even as the broader 2026 backdrop remains more mixed.

What’s driving the “rebound window” call?

On-chain analyst Willy Woo says flow-based models suggest investor flows bottomed on 24 December 2025 and have been improving since. Historically, that sort of setup is more commonly seen near local lows.

A second datapoint being watched is miner economics. BTC is currently trading below estimated miner production costs, cited around US$101k per BTC. In past cycles, time spent below “miner cost” has often coincided with quieter, low-activity bases, as miners slow issuance and wait for better prices rather than panic-selling.

The other storyline entering the mix is US President Donald Trump’s proposal to cap credit-card interest rates at 10% for one year, floated to begin on 20 January 2026.

Markets are debating the second-order effects:

• Banks and industry groups argue a hard cap could reduce credit availability, particularly for lower-score borrowers, and push some consumers toward alternative funding channels.
• Major outlets also note the proposal would face significant practical and legislative hurdles, which is why traders are treating it as a “watch this space” headline rather than a done deal.

Some crypto commentators are connecting the dots this way: if mainstream credit tightens at the margin, a subset of consumers may explore alternative rails, including crypto and DeFi lending — likely incremental rather than immediate or widespread.

What to watch from here

• Spot flow continuation: do the improving inflow trends persist into late January?
• Miner-cost reclaim: whether BTC can push back above the cited miner-cost zone, often a sentiment inflection point.
• Policy reality check: whether the 10% cap progresses into a concrete legislative process or fades as headline risk.