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Finance

Private Credit's Redemption Gates Are the Canary, Not the Cage

Private credit funds are gating redemptions at a 5.2% default rate, before the real stress has even arrived. With software concentration at 30%, insurer allocations up to 25%, and regulators probing ratings inflation across three continents, the system looks like it mispriced risk at scale.

By Ray Vega · 3 min read

Finance

The $1.2 Trillion Time Bomb Banks Don't Want You to Defuse

Banks warn a 10% APR cap would destroy credit access. But $1.2 trillion in card debt at 22%, with delinquencies at 13-year highs, suggests the destruction is already happening. The question is who profits from it.

By Ray Vega · 3 min read