American banks are sitting on record deposits and making aggressive moves—scooping up mortgage-backed securities at a brisk pace. The real play? They're betting heavily on 2026 when regulatory capital requirements are expected to loosen up. This shift could fundamentally reshape the bond market landscape. For crypto traders, this kind of macro liquidity reallocation often creates ripple effects across asset classes. When traditional finance gets loose with capital rules, it tends to reshape where money flows next.