I guess the POD here has to be Geologic, but I think it feels more right here than in ASB.
The POD is that the Gold and Silver deposits in the Americas are not where they can be easily accessed by pre-columbian societies at any level of advancement. The gold deposits of Mexico and Central America are instead in northern Newfoundland and the Ungava Peninsula (Northern Quebec) and in Baja California Sur. The Gold and Silver in South America are instead located in the mountains just south of the Venezuela, Brazil, Guyana triple point (Rorima State Brazil) (it has some Gold in OTL, much more in TTL) and in Patagonia.
So the Spanish get to the New World and *nobody* has golden masks, large silver disks or other similar things to completely screw up the Spanish economy. Various pre-columbian cultures do use Copper for the same type of thing that Gold and Silver was used for in OTL, but I'm guessing that most of it won't be suitable for mass mining under Spanish Rule.
Any ideas of the effects in the 1500s and 1600s?