Cryptopolitan

Dogecoin has formed a double bottom around the $0.12 level, which is an indication of possible bullish strength in the meme coin. Traders are keeping an eye on the resistance at $0.132 as Dogecoin tests the breakout level after a prolonged phase of market consolidation. Accumulation charts indicate that Dogecoin investors remain committed to the coin even after incurring losses.

But investment is now shifting to Mutuum Finance (MUTM), which is a decentralized lending and borrowing project that has taken the crypto market by storm. This cheap crypto priced at $0.04 has grown 300% in 2025 alone and investors see more growth ahead in 2026.

Dogecoin Tests Key Resistance After Double Bottom

Dogecoin finished its daily session with two clear points of low support around $0.120 and $0.121. These points represent a level of support in the previous downtrend and encourage traders to begin buying again. The neckline is being created around $0.132, and a breakout is being closely followed by analysts. The price could reach $0.136 or further if the resistance level is breached. However, a failure in creating this breakout could cause a return to support at $0.12.

On-chain analytics indicate accumulation patterns on the part of Dogecoin investors. The Mean Coin Age is seen to have risen over the course of the past two months, thus showing that old coins are not being traded. The MVRV ratio is seen to have reached a six-month low in mid-December, thereby showing that average investors are incurring around 36% unrealized value loss. The Total Value Locked within DeFi protocols currently is at 12.48 million.

Why Mutuum Finance Is the Next Crypto To Explode

The next cryptocurrency to explode is Mutuum Finance (MUTM), which is in Phase 7 of presale with tokens for sale at $0.04. Mutuum Finance has already raised $19,500,000 in funds and has 18,630 holders since it went to presale in early 2025. Tokens in Phase 7 are being sold out fast. Current buyers will reap the benefit of a 425% return when Mutuum Finance is launched in the market at $0.06. Given the project’s strong DeFi focus and buy-and-distribute mechanism, MUTM could continue rising higher over 2026. Early projections place it among future billion-dollar cryptos. In addition, some other analysts see MUTM rallying past $1 before Dogecoin, despite DOGE’s current higher price.

Security is still of huge importance to the protocol. Halborn Security recently audited the lending and borrowing contracts of Mutuum Finance (MUTM). The project has completed the audit in its entirety, incorporating all the recommendations they received. They are now working to determine the time of their V1 protocol release to the world.

A significant update has made it easier for investors to join the presale. Investors can now use their card when buying MUTM tokens. There are also no purchase limits. This has acted as a catalyst for the sales of phase 7. Investors understand that time is limited for them to take advantage of the $0.04 price. Those who act late might miss an early entry point before the protocol launches at $0.06.

Mutuum Finance (MUTM) is also conducting a $100,000 giveaway, rewarding a total of $100,000 in MUTM to 10 winners, each taking home $10,000. Additionally, the developers introduced a dashboard that features the top 50 token holders. The 24-Hour Leaderboard gives a $500 bonus to the number one ranked user each day, provided they make at least one transaction within the 24-hour time frame. The dashboard is fully optimized and resets each day at 00:00 UTC making MUTM the best cryptocurrency to invest in.

Phase 7 is ending soon, and as soon as it’s filled, the token will rise to $0.045. Mutuum Finance (MUTM) has already shown that it has the right fundamentals with an honest presale, completed audit trails, and developed products. This is the chance for investors to get on board before momentum shifts the markets to higher values. This is the last opportunity to obtain the token at the present price of $0.04 before the opening of the next phase.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance

The most significant changes in crypto can take place before anyone realizes. Meanwhile prices remain relaxed as the preparations are completed. Then awareness changes fast. With Q1 2026 just appearing, a single DeFi crypto is beginning to shift its focus out of silent development and into the wider scope. Mutuum Finance (MUTM) is currently trading at less than $0.05 and most observers sense that this stage will not last long.

What Is Being Developed by Mutuum Finance (MUTM)

Mutuum Finance is developing a lending and borrowing protocol that is to be used in reality, and not on a short term basis. The system has two markets connected to each other. Under the peer-to-contract market, members contribute assets into common liquidity pools. 

They in turn earn mTokens. These tokens symbolise their status and increase in value as the borrowers pay interest. As an example, a user who deposits ETH in a pool where a user is getting interest will find that his or her current mtTokens gain in value as time goes by.

The peer-to-peer market enables borrowers to borrow funds on direct collateral basis. Borrowers would be able to select rates that are variable with the demand or fixed rates to predictable costs. Loan To Value Caps restrict the borrowings. Liquidations take place in case the collateral value has decreased. Part of the debt is repaid and the collateral is acquired by the liquidator at a discount, which is beneficial to maintain the equilibrium in the system.

Mutuum Finance has already raised $19.5M and has 18,700 holders. This is significant since this number describes increasing trust and a large participant base prior to the entire platform activation. As per the official statements made by the team on X, V1 of lending and borrowing protocol is planning to launch on an initial beta on Sepolia testnet.

Price Token, Supply and Stage Advancement

MUTM stock is worth about 0.04 and in Phase 7. Phase 1 started with a token price of 0.01 that indicates that it has already experienced a real increase of approximately 300% in systematic steps.

There are 4B tokens of MUTM. Of this, 45.5% or approximately 1.82B tokens shall be received during the presale. So far, 820M tokens have been sold. With each stage, the amount of supply is lessening.

Phase 1 shareholders are positioned for 500% token appreciation when MUTM hits its official launch price of $0.06. The prices have been increasingly higher in every new phase. The following step will likely push the price of the token up by around 20% and this is the reason why previous levels of entry are important. The growth in a phase approach has propelled the trend of demand instead of peaks.

Security Structure and its Significance

In a DeFi crypto which works with collateral and liquidity, security is crucial. MUTM has a CertiK Token Scan of 90/100 which is a good result due to high transparency and token configuration checks.

Moreover, the lending and borrowing contracts of the Mutuum Finance are subject to a complete audit process done by Halborn Security. After completion of the audit, final updates are to be made. This is an extra trust before testing V1.

As part of the project, a $50k bug bounty has also been introduced that aims at finding out any possible vulnerabilities in the code. These concerted measures help lower technical uncertainty and are common preconditions to bigger participants becoming comfortable with a protocol.

Positioning ahead of Q1 2026

Mutuum Finance serves as a developing protocol system that is intended to connect with stablecoins and decentralized oracle computing. Lending systems need reliable pricing feeds that are anticipated to be supported by trusted oracle solutions with a fallback option.

Since Q1 2026 is in the offing, protocols are now being taken into consideration that are near the activation threshold as opposed to the napping on paper concepts. MUTM is currently in the phase of transition. Development is advanced. Security reviews have been carried out. Distribution Distribution is in progress. V1 is approaching.

Mutuum Finance is quickly becoming involved in the conversation of those monitoring what cryptocurrency to purchase at present and seeking an up-and-coming cryptocurrency with potential to expand. Its price is under $0.05, still, many people think that it is a small window that is closing and the stages move some further and more people show up.

Execution and adoption will determine whether or not MUTM is the next big crypto. What is apparent is that it is no longer at its first stage. This could be the last bit before this positioning makes its price reflect a more mature outlook on the project in the case of Q1 2026.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

With the launch of an XRP ETF, market sentiment has picked up, and many crypto analysts are optimistic about XRP’s performance in 2026. Most believe XRP could see a strong move in the near term, with some forecasts pointing to gains of up to 150%.

At the same time, as the crypto market becomes more volatile and complex, many XRP holders are rethinking strategies based only on price swings. Instead of relying solely on market moves, some investors are shifting toward more balanced and stability-focused approaches. In this context, a growing number of participants are allocating part of their funds to NAP Hash’s cloud mining services, aiming to keep long-term exposure to XRP while earning a more predictable stream of passive income.

Why NAP Hash Stands Out in Cloud Mining

NAP Hash has built a strong position in the cloud mining space by focusing on compliance, transparency, and reliable operations. Registered in the UK, the company follows strict regulatory standards, helping it earn long-term user trust.

The platform runs on a no-hardware, no-maintenance model, using clean energy power from sources such as hydro, wind, solar, and geothermal. Smart system scheduling improves efficiency and keeps costs low. Its data centers operate across multiple regions worldwide, supporting energy-efficient mining.

NAP Hash also offers short mining plans (1–3 days), giving users more flexibility and faster capital turnover. New users receive $20–$100 in free mining power, allowing them to test returns before committing funds.

With lower energy costs and higher efficiency, NAP Hash delivers more competitive net returns, reinforcing its role as a leading cloud mining provider.

What Is Cloud Mining?

Cloud mining allows users to mine cryptocurrencies using computing power from remote mining facilities. There is no need to buy mining machines, pay for electricity, or manage maintenance. Users simply purchase a mining contract, while the platform handles operations and costs, then distributes earnings on a daily or scheduled basis.

How to Get Started with NAP Hash in Three Simple Steps

Step 1: Create Your Account
Setting up a NAP Hash account takes less than 30 seconds, and new users instantly receive a starter reward.

Step 2: Choose a Cloud Mining Contract

The platform offers a range of budget-friendly plans suitable for beginners and experienced investors alike. Each contract provides fixed returns with daily payouts, giving users a clear and predictable earning experience.

Popular Contract Earnings Examples

Mining Machine ModelContract PriceDuration (Days)Daily EarningsPrincipal + Total ReturnsBTC Miner A1366L$1002 Days$3$100 + $6BTC Miner A1346$5006 Days$6$500 + 36$GODE Miner DogeII$250020 Days$36$2500 + 725$BTC Miner M60S++$800030 Days$130$8000 + 3888$LTC Miner ANTRACK V1$1000035 Days$72$10000 + 6020$

Please visit the official NAP Hash website to view more contract options.

Step 3: Collect Your Daily Earnings

Mining rewards are credited to your account automatically every day. You can withdraw your earnings at any time or reinvest them to build stronger long-term returns.

Real User Examples

JM, a freelance writer in Manila, relies mainly on project-based income. To smooth out cash flow, he chose a $2,200 mining contract, which brings in about $30 per day through automatic payouts, helping him maintain steady income between projects.

RS, a computer science student at the University of British Columbia in Canada, used the platform’s trial mining power for his first experience. By tracking daily on-chain rewards, he gained a clearer understanding of how hash rate, mining difficulty, and returns are connected, making the learning process more hands-on than classroom theory.

WH, a market analyst working in Singapore, allocated $4,000 of his crypto assets to cloud mining. Compared with frequent trading, he sees daily payouts as a lower-volatility part of his portfolio that helps balance overall risk.

Together, these cases show that people from different regions and backgrounds are using cloud mining as a supplemental and more predictable income option in a highly volatile market.

Conclusion: A Steadier Option in a Volatile Market

As major cryptocurrencies continue to swing and market pressure remains high, many investors are looking for ways to manage risk while keeping returns steady. NAP Hash offers a more stable option through its low-entry, automated, and sustainable cloud mining model, separate from active trading. As more capital moves into cloud mining, platforms with strong compliance and clean energy use are becoming a reliable source of steady income in uncertain market conditions.

For more information about NAP Hash, please visit https://naphash.com/ or contact us by email at info@naphash.com

BYD delivered 4.6 million electric vehicles in 2025, continuing the year-long persistent smacking of Tesla to now be the largest EV maker on the planet in what is a seriously bizarre turn of events.

That number hit the company’s full-year target, though the target had already been revised down earlier, but still, this growth is 7.7% higher than 2024.

Between 2021 and 2023, BYD was pulling off annual growth of 218%, 209%, and 62%, according to data from the company’s earnings projection.

Sadly, the Chinese government is now pulling back on the EV subsidies that helped boost demand, and the flood of new models from rivals is crowding the field.

BYD has to deal with having less room to grow in 2026

At a December investor meeting, BYD CEO Wang Chuanfu admitted that their once-dominant lead has “diminished.” But he also hinted that new tech breakthroughs are on the way, powered by the company’s 120,000-person engineering team.

One area where BYD isn’t losing steam is international sales, as the company shipped 1.05 million units overseas in 2025, a new all-time high.

According to a Citigroup report from November, management now expects global shipments to hit between 1.5 million and 1.6 million units in 2026.

Still, profits are telling another story. BYD has posted two straight quarters of falling earnings, as the Chinese government tries to rein in the overheated EV sector. There’s also been a crackdown on discounting, a tactic BYD and others used to keep volumes up. With those days likely behind them, the company will need new strategies.

That said, analysts are predicting that BYD could move 5.3 million vehicles in 2026, keeping it ahead of Tesla. Deutsche Bank pointed to upcoming launches and a new technology platform that could sharpen its game.

Meanwhile, Tesla is stumbling, as Cryptopolitan previously reported. On top of that, CEO Elon Musk has become more of a liability than an asset. His deep ties to the Trump administration have turned off some buyers, and the end of a key U.S. purchase subsidy hasn’t helped either.

On top of this, South Korea’s L&F Co. said on Monday that its 3.83 trillion won ($2.67 billion) supply contract with Tesla, first announced in February 2023, had been slashed to just 9.73 million won. In a filing, L&F said the reason for the 99% reduction was a change in supply quantity.

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Tesla is closing in on its second straight yearly drop in sales, even as its stock keeps climbing. That jump has nothing to do with more cars on the road.

It’s all about Elon Musk’s push for robotaxis, AI, and the fantasy of fully autonomous rides. Meanwhile, actual people buying actual cars aren’t buying what Tesla is selling.

In the second half of last year, Tesla stock went on a wild run. Not because of sales. Not because of anything customers did. It was all hype. And when the company reports fourth-quarter numbers this week, the numbers are expected to land at 440,900 deliveries, down 11% from last year.

Even worse, Tesla itself released a forecast showing an expected 15% drop.

Elon’s Trump drama and robotaxi pivot flipped the year

Tesla sales were already kind of bad in Q3 2024, as Elon was busy upgrading Model Y production lines at every factory, which stalled output.

Then the man decided to go full politics, backing President Donald Trump and then publicly breaking up with him in a manner generally regarded as embarrassing. Retail investors were pretty mad at him.

Elon was trading insults with administration officials over tariffs, and Tesla’s stock was down 45% for the year.

Then boom, Elon swerved and brought out the robotaxi storyline again, the dream where Tesla cars drive themselves and earn money for owners. In June, the company launched an invite-only service in Austin, apparently put safety drivers in the cars, but that didn’t stop them from breaking traffic rules right out the gate

By September, Tesla’s board had a plan to reward Elon with up to $1 trillion in compensation if he delivers millions of robotaxis. By December 16, the stock hit a new high. The company had added over $915 billion in value in eight months.

There’s still a big problem. Customers don’t believe the robotaxi hype. Elon admitted that convincing people to pay for Tesla’s “Full Self-Driving” feature has been tough. The system still needs a driver watching everything. In California, the state might suspend the company’s license for 30 days over claims that Tesla lied about what FSD can actually do.

It’s not going better in China. Tesla tried to stand out there by offering driver-assist features. But BYD and Xiaomi already give those away as standard. That strategy’s dead.

Analysts expect BYD to outsell Tesla in global battery-electric vehicles for the fifth straight quarter, thanks to strong sales in China and Europe. In Europe, Tesla still hasn’t gotten approval for FSD.

Federal tax cuts end while Tesla competitors bail on EV dreams

Looking ahead to 2026, there’s more trouble. The U.S. has pulled the plug on EV tax credits. Elon already said it could lead to “a few rough quarters.” The loss of government support is pushing other automakers to back away from EV projects. Ford said it expects to take a $19.5 billion hit from canceling battery and EV plans.

Elon closed the year hyping another ride, the Cybercab. It’s a tiny two-seater with butterfly doors. The first version didn’t even have a steering wheel. But board chair Robyn Denholm told Bloomberg the company would add one if regulators demand it.

Garrett Nelson from CFRA summed it up like this: “Tesla investors are focused on how the company might look five, 10, 15 years down the road, and really discounting what they see in the near term. The question is, can they maintain that, especially when we think headwinds are going to become more apparent in the financials?”

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Nokia once owned the loudest sound in tech. The ringtone sat in pockets, buses, offices, and streets. By 2009, that tune played about 1.8 billion times a day, or 20,000 times every second.

The sound came from Francisco Tárrega’s guitar piece Gran Vals. It matched a company that ruled phones from the mid-1990s to its 2008 high point. That run ended fast when the iPhone arrived, and cheap Android phones followed.

By 2025, Nokia stood far from the days of the 3310 and the Snake game. The phone era collapse pushed it to sell its devices unit and walk away from hardware people once trusted with their lives. The company now sells network gear, cloud links, and optical systems.

In October, Nvidia agreed to invest $1 billion and form a partnership focused on AI inside telecom networks. The market reacted fast. Shares jumped 25%. The valuation sits near €32 billion, far below its old peak.

The mobile phone collapse rewrote the business

The fall came after years of dominance. In 2000, Nokia held 26.4% of the global handset market, based on data from CCS Insight. At the dot-com peak, it was worth about €286 billion and made up close to 4% of Finland’s GDP.

The company sold 126 million units of the 3310. People called it the brick. The phone shipped with Snake, which kept users glued to tiny screens.

Jorma Ollila, chief executive from 1992 to 2006, said the phones won because marketers ran the business while rivals chased raw tech. He said belief inside the company ran deep and mobile ended up far bigger than expected.

That belief did not save it later. When Apple released the iPhone in 2007, the shift hit hard. Ben Harwood of New Street Research said the company resisted the change, moved too slowly, and failed to rebuild its software to fight iOS and Android.

A late gamble followed. In 2011, the firm adopted Microsoft’s Windows Phone system and launched Lumia devices. The phones failed. Ben Wood of CCS Insight called the move a nail in the coffin.

In 2014, Nokia sold its devices and services unit to Microsoft for €5.4 billion. Revenue had dropped from €37.7 billion in 2007 to €10.7 billion. In 2008, Wood said it stood near 40% global share and never expected the collapse that followed.

Network deals replaced handset dreams

After leaving phones, Nokia leaned into telecom infrastructure. Governments raised security concerns about Chinese vendors, yet European operators still handed out major contracts. BT, Telefónica, and Deutsche Telekom signed deals.

Even so, market share in radio access networks kept sliding. Charts tracking spending showed a steady decline, adding pressure on the core business.

A second pivot arrived under Pekka Lundmark. The company pushed deeper into cloud services, data centers, and optical networks. In February, it bought Infinera for $2.3 billion to expand optical reach.

Shaz Ansari, a professor at Cambridge University, said the ability to reinvent comes from how a firm handles failure and shifts resources. He said the company cuts businesses when they fail and can jump across industries, not just products.

Lundmark stepped aside in April. Justin Hotard took over and targeted the AI supercycle. The strategy centers on optical gear that moves data between centers and routers that support cloud services. Nvidia’s interest brought attention fast. Investors saw the partnership as a gateway into AI spending that runs into hundreds of billions of dollars each year.

The new focus does not come without pushback. Analysts flagged risk tied to the unstable pace of AI investment.

Rivals like Ciena and Cisco chase the same budgets. Paolo Pescatore of PP Foresight said concerns remain about future returns, citing customer reluctance to depend on one supplier.

Hotard rejected the idea of a straight path. He said survival rarely follows a clean line and requires constant shifts.

Today, Nokia faces a crowded field, volatile spending cycles, and expectations driven by Nvidia’s backing. The strategy places the company inside the hottest corner of tech, but heat does not guarantee safety.

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Christine Lagarde, president of the European Central Bank, said on Thursday that Bulgaria joining the euro area shows Europe can still act together during global pressure.

Christine spoke in celebration of the euro officially entering circulation in Bulgaria, making the country the 21st European Union member to use the single unit after a formal vote + decision was made in July that locked the conversion rate at 1.95583 Bulgarian lev to one euro, according to a press release by the European Commission.

Lagarde says the euro is a powerful symbol of what Europe can achieve together

In a post on X after the announcement of Bulgaria decision, Lagarde said the euro represents what Europe can do when members work together and face geopolitical stress as a bloc.

She confirmed Bulgaria’s entry into the currency area and welcomed Dimitar Radev, governor of the Bulgarian National Bank, to the ECB Governing Council in Frankfurt. She spoke during official remarks tied to the launch of the currency in Bulgaria.

🇧🇬🇪🇺 As we step into 2026, we proudly welcome Bulgaria to the euro family!

Our sincere thanks to the Bulgarian National Bank for its dedicated work and commitment in preparing for the adoption of the euro.

Wishing everyone a happy and successful New Year! pic.twitter.com/N2Xc2aJ5F5

— Christine Lagarde (@Lagarde) December 31, 2025

Dimitar Radev said in a video address that the euro is not just an economic tool. He said it signals belonging and confirms that Bulgaria is part of a system built on shared rules and responsibility. Radev said the country’s work to meet entry standards had now been accepted by European institutions.

With the change, the Bulgarian National Bank becomes part of the Eurosystem, and Radev now has a voting seat on the Governing Council, after only attending ECB meetings as an observer for years.

EU shares banking supervision rules, reserves, and interest rate outlook for 2026

Bulgaria also becomes a full member of the Single Supervisory Mechanism. The country joined the close cooperation framework in October 2020, but the status now expands.

The ECB directly supervises four major banks in Bulgaria and oversees 17 smaller institutions. The ECB also handles bank licenses and reviews buyers of qualifying holdings. Bulgaria holds a seat on the ECB Supervisory Board.

The Bulgarian National Bank paid the remaining share of its contribution to ECB capital and transferred its portion of foreign reserve assets. From 1 January 2026, Bulgarian counterparties can take part in ECB open market operations.

The ECB said it will publish lists of Bulgarian banks subject to reserve requirements, along with branches operating in other EU states already using the euro.

The ECB has not cut rates since June. Markets and economists expect the easing cycle to be over. Policymakers see rates holding at 2% unless major changes occur. Some officials have said the next move, though distant, could be a hike.

Ursula von der Leyen said the euro will make payments and travel easier for Bulgarians and open new chances for businesses inside the single market.

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It is also seen that in each cycle, there are some of the best performers that have been identified before looking noticeable. These are the projects that are typically similar in two aspects. They sell cheaply and they are making evident advances before wide recognition takes place. With markets looking to the next crypto step, some interest is beginning to pile up around a single DeFi crypto which fits the spec. It is a project called Mutuum Finance (MUTM).

Mutuum Finance (MUTM)

Mutuum Finance is creating a decentralized lending and borrowing protocol that is expected to launch soon. The goal is simple. Allow users to earn interest by providing an asset, and allow others to borrow cash without writing off an asset.

As an example, a user is capable of feeding the protocol with ETH and eventually gets interested. The assets can be borrowed by another user through locking of a collateral and paying interest. Rates go up and down depending on the liquidity available and the amount of it being borrowed. This maintains a balance of the system through various market conditions.

Official statements made by the team on X indicates that V1 of the lending and borrowing protocol is in the process of being tested on the Sepolia testnet. This is a major transition to development into live testing. Halborn security has also reviewed the lending contracts and the audit is done.

Presale Growth and Participation

Mutuum Finance is already a successful startup with a base of approximately 18,700 holders and collected funds of $19.5M. The reason why these numbers are important is that they indicate that the project does not begin at the very bottom. Broad based holders are usually an indication of increased confidence and viability over time as compared to temporary spurts of activity.

It was initially issued at $0.01 and now valued at $0.04 in phase 7, which is approximately 300% higher than it was at its initial stages. This gradual increase indicates that there has been growth in demand owing to the milestones of development that have been achieved. To most people who follow the crypto prices nowadays, such movement usually reflects an early move as opposed to late entry.

There are 4B MUTM tokens in total. Out of it, 45.5%, approximating 1.82B tokens, have been designated to presale. To date 820M tokens have already been sold. This translates to a high proportion of supply at the early stages and the allocation is getting narrower.

With development in distribution, sensitivity of price is frequently heightened. The number of tokens, which are retained, is fewer at lower prices and this can alter the responsiveness of new demand to price.

Stablecoin and Phase momentum

One of the concerns that any DeFi crypto that handles liquidity is concerned with is security. MUTM has a KimK TokenScan score of 90/100, which indicates the analysis of token organization and transparency. In addition to the 

Mutuum Finance’s official roadmap consists of developing a stablecoin too. Borrowing and lending of assets that are stable will facilitate repeat use in volatile or sideways markets. This can assist the protocol being active even in case larger crypto prices decelerate.

This system will be based on reliable pricing. Mutuum Finance will leverage oracles which are decentralized, such as Chainlink fallback data feeds. The correct pricing is necessary in case of collateral valuation and liquidations.

There is evidence of increased interest in the recent past. Phase 6 was quickly sold out and this restricted allotted allocation and made the project enter the subsequent phases. There has also been an observation of a recent whale allocation of $100K by market commentators, which tends to point more towards longer term positioning as opposed to short term trading.

Why Several Investors See 600% Potential

The debate on 600% upside is based on timing and structure. MUTM is below $0.05 and most of its groundwork has already been laid down. Analysts tend to equate this to early-stage DeFi projects which reprice after going live.

Assuming that when V1 grows and the amount of lending moves up, there is the thinking that the token may travel much higher than it is today in the long-term. This perception relies on implementation, growth of users and market conditions.

Mutuum Finance is a mix of the low price, visible progress, and focus on the product. Funding is in place. Security checks are over and done with. A beta launch is approaching. Supply is narrowing as distribution is expanding.

Among the cheap cryptocurrencies, the one that comes to mind, for those with the question of what crypto to purchase today, is MUTM, as the story behind it is about usage and not noise. It is the reason why for less than $0.05, this crypto is looked upon by many people as one of the more closely followed projects entering the next stage of the market.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Six thousand workers arrive daily at an OpenAI construction site in West Texas. That’s more people than the company employs worldwide. Dust blankets the area. Rain turns the roads to mud, then the sun bakes them hard again.

Sam Altman stood there in September watching it all. “This is what it takes to deliver AI,” Altman told CNBC on site in September. “Unlike previous technological revolutions or previous versions of the internet, there’s so much infrastructure that’s required. And this is a small sample of it.”

Each site costs around $50 billion. OpenAI’s Stargate program totals near $850 billion across all locations.

The Abilene campus has one data center running already. Another’s almost done. CFO Sarah Friar said it could eventually push past one gigawatt of capacity, enough electricity for about 750,000 homes.

“The shovels that are going in the ground here today, they’re really about compute that comes online in 2026,” she said in September. “That first Nvidia push will be for Vera Rubins, the new frontier accelerator chips. But then it’s about what gets built for ’27, ’28, and ’29. What we see today is a massive compute crunch.”

Altman didn’t hide the company’s hunger for more. “We are growing faster than any business I’ve ever heard of before,” Altman said, squinting against the sun. “And we would be way bigger now if we had way more capacity.”

OpenAI is not the only one building

Mark Zuckerberg’s putting up Hyperion in Louisiana. Four million square feet. Uses more power than New Orleans.

Google is breaking ground in Arkansas on what state officials call the largest private investment in their history. Elon Musk built his Colossus supercomputer in Memphis in just 122 days. Now he’s expanding with Colossus 2, shooting for one million GPUs.

Microsoft is dropping over $7 billion in Wisconsin. Satya Nadella says it’ll be the world’s most powerful AI data center.

Sameer Dholakia from Bessemer Venture Partners put it bluntly. “This is the largest market in the history of mankind,” said Sameer Dholakia, a partner at Bessemer Venture Partners. “This is larger than oil, because everyone on the planet needs intelligence.”

The numbers are hard to wrap your head around. Five major companies are headed toward approximately $443 billion in capital spending this year. CreditSights thinks that it will hit $602 billion in 2026, up 36% year-over-year.

Not all these companies have that kind of cash sitting around.

They’re borrowing. Heavy. $121 billion in new debt this year, more than four times what they averaged over the previous five years. Meta tapped the bond market for $30 billion. Alphabet raised $25 billion. Oracle just closed an $18 billion bond sale.

Wall Street expects the borrowing to keep climbing. Morgan Stanley and JPMorgan estimate AI infrastructure could drive up to $1.5 trillion in additional tech company borrowing. UBS analysts are forecasting as much as $900 billion in new debt issuance coming in 2026 alone.

“There is something inherently uncomfortable as a credit investor about the transformation of the sort we’re facing that is going to require an enormous amount of capital,” Daniel Sorid, head of U.S. investment grade credit strategy at Citi, told investors on a video call earlier this month.

Investors are getting nervous

Credit-default swaps for Oracle are at multi-year highs. A liquid market for Meta protection started trading in late October for the first time.

OpenAI sits right in the middle of all this. This fall, they announced partnerships adding up to roughly $1.4 trillion in headline commitments. In two months.

September: $100 billion deal with Nvidia. October: agreements with AMD and Broadcom for chip supplies. November: first cloud contract with Amazon Web Services.

“We have to do this,” OpenAI President Greg Brockman told CNBC in October, referring to the company’s scramble to secure the raw computing power behind its ambitions. “This is so core to our mission if we really want to be able to scale to reach all of humanity, this is what we have to do.”

Some analysts aren’t buying it. Gil Luria at D.A. Davidson points to Oracle as a test case. “OpenAI made commitments that it’s highly unlikely they’ll be able to live up to,” he said. “Now they’re backtracking and saying these aren’t really commitments — these are frameworks.”

Oracle’s stock dropped 23% in November. Worst month since 2001.

Sarah Friar pushed back on the criticism during her interview in West Texas. She compared it to the early web. People thought there was too much infrastructure then too. OpenAI’s looking at debt financing for the first time. They’ve reviewed over 800 potential sites across North America.

Power’s the real problem, she said. “The real bottleneck isn’t money,” she said. “It’s power.”

Late December brought another big move. SoftBank’s Masayoshi Son bought DigitalBridge for $4 billion. To get the cash and fund his $40 billion commitment to OpenAI, he sold his entire Nvidia stake. He told a forum in Tokyo afterward that he “was crying” over having to sell those shares.

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The relatively illiquid meme token, BROCCOLI, went through a pump on Binance, following a hacker’s attempt to disguise funds. The hacker’s trades were soon frozen, but traders managed to use leveraged long positions for risky earnings. 

A hacker gave traders an opportunity to earn from an anomalous token rally. The exploiter managed to hack into a market maker account, allowing trades to disguise the origin of funds. 

BROCCOLI pumped in the past day, with unusual liquidity depth. The surge is still being investigated, pointing either to a hacker or a trading bug. | Source: Coingecko

The new year started with a sudden rally of an otherwise obscure token, BROCCOLI(714). The token broke out from $0.018 to $0.16, later crashing as Binance stopped the trading. Despite this, some traders still went long on the asset during its brief rally.

The token saw a similar reactive price action on its decentralized pair on PancakeSwap.

Hacker tries to shuffle funds through illiquid market

The exploiter used the market maker account to make sets of orders on the spot market, while taking a long position on derivative markets. For that, the relatively obscure BROCCOLI token seemed to be the ideal choice. 

However, even small-scale tokens are closely watched. The sudden moves and relatively clean market orders for BROCCOLI triggered alarms, alerting another trader. 

Alongside the hacker, the trader managed to go long on the meme token, while there were still buy orders. After the orders stopped, the trader flipped to a short position, netting $1M overall.

At the same time, the hacker’s activities were discovered by Binance, and trading for the token was stopped.  

BROCCOLI reacted with short-term pump

BROCCOLI was a former meme sensation based on the dog of Changpeng “CZ” Zhao. As with other meme tokens, the asset slowed down and has not recovered its previous highs. 

The BROCCOLI market reflected the price anomaly, later returning to baseline price action. The token absorbed $10M to $20M in stablecoin liquidity to achieve the pump. 

The price behavior of BROCCOLI raised attention to low-liquidity meme tokens still having market representation on Binance. The exchange will only delist pairs after months of low activity, and some former meme stars may still be available. 

According to the trader, the trading anomaly may not even be a hacker, but instead a market maker or automation bug. The investigation of the trading incident is still ongoing. 

Exchanges have seen other attempts to reawaken illiquid markets, especially during slow trading days. However, BROCCOLI absorbed more significant liquidity and allowed the trader Vida to realize profits with sufficient liquidity.

The trader also explained he had eyes on the BROCCOLI market after being caught in a position during a time of hype for meme assets. The position suddenly turned valuable during the anomalous pump, which set out the trader’s alarms, switching from holding to active trading. 

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Not all of the fast-growing crypto shows overnight. A few projects quietly develop, in their turn, and grow gradually, until at a later point, they start to be discussed. The trend is now attracting attention to Mutuum Finance (MUTM). 

Whereas lots of traders pursue short movements, commentators in markets have begun to examine projects that have controlled growth and clear development. The consistent positive growth has put MUTM on the list of companies that are seeking the next big crypto as opposed to a trading opportunity.

The Current State of Mutuum Finance (MUTM)

Mutuum Finance launched its presale in early 2025 at the initial price of $0.01. The token has since passed through various stages with fixed prices. MUTM is now selling at $0.04, which is approximately a 300% increase on the initial phase. The project is currently at Phase 7 whereby the price of tokens rose once again with previous distributions being depleted.

To date, Mutuum Finance has raised $19.5M and approximately 18,700 holders. The total number of tokens sold is 820M. The presale is assigned 45.5% or about 1.82B of the entire 4B MUTM supply. This structure diffuses distribution across time rather than supplying the amount of supply at a single point in time.

The official opening cost is pegged to be $0.06 and that is why some of the analysts feel the current pricing is at a discount stage. They point out that the pattern of price changes has been in line with demand as opposed to abrupt increase, which can be an indicator of gradual build up.

The Future of Mutuum Finance?

Mutuum Finance concentrates on dual lending the markets in DeFi. The protocol will provide users with the ability to provide assets to generate yield and provides others with the ability to borrow liquidity on collateral. Interest rates will change depending on the usage, so that it will balance the supply and demand within the system.

One of the main elements of the design is mtTokens. When the users post assets they are awarded to receive the mtTokens, which indicates their portion of the lending pool. Such mtTokens become more valuable in accordance with the interests being paid off by the bank, thus making it more of a store than a gambling game.

There is also a buy-and-distribute mechanism of Mutuum Finance. MUTM bought on the open market with a fraction of protocol fees is redistributed to users who put mtTokens in the safety module. This ties token demand to protocol activity rather than market or only market focus.

Security has been worked upon as a main requirement. MUTM has achieved a 90/100 CertiK Token Scan rating, and a review of the lending contracts was carried out by Halborn Security, the audit was done and the final updates are awaited. There is also a $50k bug bounty that can be used to detect possible problems.

V1 launch, Demand Indicators and The Interest of Whales

The official announcements by the team posted on X indicate that Mutuum Finance is developing V1 of its protocol of lending and borrowing, with a beta release towards the Sepolia testnet. This is where the development stage ends and the live testing other phase begins where there is a broad exposure of many projects.

The demand indicators have already been noticed. Phase 6 was sold off fast, which decreased reserve quantities and dragged the project into the stage underway. Increased whale participation, with single allocations close to 100K, in the recent periods are also reported by market commentators. Greater entrances at a late stage are frequently seen to be positioning in the lead of wide exposure.

Mutuum Finance also has a 24-hour leaderboard, where the best user per day in terms of contributions is rewarded with $500 in MUTM. Access to card payments has also been introduced, and the participation of a larger audience has become easier.

Has MUTM Reached The Next Big Crypto?

The still new Mutuum Finance has a few pieces in place. Pricing has developed continuously. Investments and the number of investors are on the increase. Security checks have been carried out. V1 is approaching.

To investors watching the current cryptocurrency prices with the question of what crypto to buy today with long term growth potential, MUTM is a better investment since it will offer early pricing and apparent growth. Instead of being driven by hype, its growth narrative is pegged on lending business, yield demand and calculated growth.

That is why, some commentators of the market tend to suppose that Mutuum Finance shifts in the quiet growth to the more mass awareness. Its future will rely on how it performs, however, its present trend has justified why increasing numbers of people are looking to this regard as an altcoin.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

TSMC confirmed on Thursday that the U.S. Department of Commerce has approved a one-year export license for its Nanjing chip plant, allowing it to keep receiving U.S. chipmaking gear without any vendor-level delays.

According to Reuters, the approval replaces the expired exemption program known as validated end-user status, which ended on December 31, under Donald Trump’s administration.

Without this license, shipments would’ve hit a wall starting January. The new authorization covers all U.S.-controlled tools heading into the Nanjing site and skips the need for separate vendor applications.

In a statement to Reuters, TSMC allegedly said the license “ensures uninterrupted fab operations and product deliveries.” That plant, which runs 16-nanometer and other mature node production lines, is not used for TSMC’s most advanced chips.

Still, the company said in its 2024 annual report that the site brought in about 2.4% of its full-year revenue. The company also runs another facility in Shanghai.

South Korea’s Samsung Electronics and SK Hynix were granted similar permissions. All three companies had to apply for fresh licenses after their previous privileges expired. Those earlier privileges had given them a smoother path to operate in China despite the U.S. export controls aimed at limiting Beijing’s tech development.

Earthquake hits Taiwan sites while Nvidia pushes for more chips

Just as TSMC secured supply chain clearance for China, it had to manage a local disruption. The company said on Saturday that a small number of buildings inside its Hsinchu Science Park campus triggered emergency evacuation procedures after an earthquake.

In a public statement, the company said, “Prioritising personnel safety, we are conducting outdoor evacuations and headcounts in accordance with emergency response procedures. Work safety systems at all facilities are operating normally.” Operations elsewhere, including the main fabs, weren’t affected.

Meanwhile, Nvidia is leaning heavily on TSMC again. Cryptopolitan reported that Jensen Huang’s company is facing huge pressure after Chinese tech companies placed orders for over 2 million H200 chips, while Nvidia only has 700,000 units ready to ship.

That forced them to ask TSMC to start producing more of the H200 chips. Three people briefed on the situation allegedly said that mass production will likely begin by the second quarter of 2026.

There’s still a major hurdle. The chips haven’t been cleared by Beijing yet. And although Trump’s White House lifted the previous export ban in November, shipments to China now come with a 25% tariff.

The clock is ticking while demand surges, and the production bottleneck could hit other Nvidia customers outside China.

Wall Street raises price targets on TSMC amid AI chip demand

Wall Street stays bullish on TSMC’s TSM stock though. On December 7, analysts at Bernstein bumped their price target for TSMC to $330, up from $290, maintaining an Outperform rating.

Their note explained that the reason was TSMC’s plan to boost Chip-on-Wafer-on-Substrate (CoWoS) output to 125,000 wafers per month by the end of 2026.

But Bernstein also warned that this won’t be enough to handle both Blackwell and Rubin, Nvidia’s upcoming chip designs for 2025 and 2026.

Then on December 10, Bernstein SocGen Group backed the same $330 target and said TSMC was beating both its own Q4 forecast and the market’s estimates right after the chipmaker reported NT$344 billion in November revenue, a 24.5% surge in a year.

Bank of America went even higher, setting their TSM price target at $360 and argued that TSMC is dominating production for both next-gen AI chips and new mobile processors, which are central to the ongoing demand in high-performance computing.

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Sovereign wealth funds now hold a record-breaking $15 trillion in assets globally, according to Global SWF’s latest report, which tracked how government-backed investors dumped $66 billion into AI and digital infrastructure in 2025 alone.

The Middle East made the biggest ones too, with Abu Dhabi-based Mubadala Investment Company investing $12.9 billion into tech last year. The Kuwait Investment Authority came second with $6 billion, and the Qatar Investment Authority is third with $4 billion in deals. Together, these three accounted for more than a third of all digital investments by state-backed funds the entire year.

Altogether, the top seven Gulf funds dumped $126 billion into global deals, making up 43% of total sovereign wealth fund capital deployments worldwide. That’s the highest percentage ever recorded. Most of that cash went straight into tech, which [no surprise] dominated investor attention amid market recovery and fresh structural demand for AI tools, chips, and data infrastructure.

PIF leads with one massive buy while Mubadala racks up transactions

Saudi Arabia’s Public Investment Fund (PIF) topped the global deal value chart last year with a total of $36.2 billion committed. But nearly all of that came from one big purchase: its buyout of Electronic Arts.

Once that’s removed, the volume crown clearly goes to Mubadala, which notched 40 separate deals totaling $32.7 billion, setting its own internal record for activity in a single year.

While the Gulf states spent aggressively, sovereign investors across the board also expanded their reach into real estate, infrastructure, public equities, and fixed income.

They took full advantage of 2025’s rebound across major asset classes, especially after the S&P 500 bottomed out in April during the tariff panic and then worked its way to fresh highs by the end of December.

On the global leaderboard of who controls what, the United States leads with $13.2 trillion in state-owned investor assets, followed by China with $8.2 trillion, and the United Arab Emirates holding $2.9 trillion.

As for destinations, the U.S. completely dominated 2025 by pulling in $131.8 billion in sovereign capital, nearly double the previous year’s total of $68.9 billion.

U.S. equities regain footing while China investments collapse

China, on the other hand, saw a massive pullback. Sovereign investor flows into the country dropped from $10.3 billion in 2024 to $4.3 billion in 2025. The drop came as geopolitical risk climbed and returns lagged.

By contrast, U.S. assets surged in popularity, thanks in part to the S&P 500’s ability to shake off its largest drawdown since the spring.

After falling around 6% from peak to trough, the index recovered its October 27 high by December, forming a bullish pattern. While not textbook, the structure set a higher low in December, and the market entered the new year holding firm above that level.

Charts from Global SWF show how often the index moved 1% up or down over the last two years. Most of the big swings happened during the deepest selloffs, including spring 2025 and late October.

But once the index regained its old highs, those wild daily moves started to fade. That change in rhythm, paired with ongoing strength, left traders eyeing more gains if volatility continues to calm.

Zooming out, this year’s recovery marks the fourth major breakout in the current bull cycle. It joins the other surges that started in 2012, 2016, 2020, and 2022.

In each case, deep corrections turned into setups for the next rally. So if the current trend holds, markets may still be in the early-to-middle innings of a larger advance heading into 2026.

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SpaceX, OpenAI, and Anthropic are all working toward listing their shares on stock exchanges, possibly before the end of this year. Several sources say these offerings could bring in billions of dollars, making 2026 a record year for the people who invested early and the firms that help companies go public.

SpaceX, by Elon Musk, recently informed its backers that it intends to list within the coming year, barring any serious problems in financial markets. 

Meanwhile, Anthropic has brought on the California-based law firm Wilson Sonsini to start getting ready for a public offering. 

OpenAI has been meeting with top legal practices, including Cooley, though the maker of ChatGPT has not yet picked which lawyers will guide its process, according to sources.

Valuations soar into hundreds of billions

The companies have yet to set IPO valuation targets. But their private valuations give some indication of their scale. OpenAI currently carries a price tag of $500 billion and is talking with investors about raising fresh money that could push its value past $750 billion. These discussions are still in early phases, but the company could take in tens of billions of dollars, people familiar with the talks said.

SpaceX is working on selling existing shares among private investors at a valuation of $800 billion, several sources confirmed. Anthropic is also seeking new investment that backers expect will value the artificial intelligence company above $300 billion.

If these three companies alone sold stock to the public, they would bring in more than the roughly 200 American companies that went public in 2025. Peter Hébert, who started the investment firm Lux Capital, said he cannot remember seeing anything like this before.

“I can’t recall a crop like this — three private companies which would be among the largest public market caps in the world,” Hébert said. “The likelihood of all these companies listing [in 2026] is small, but possible, and would mean an epic bonanza for VCs, bankers and deal attorneys.”

SpaceX is expected to raise more than the $29 billion Saudi Aramco collected when it went public in 2019, making it the biggest stock offering ever.

A challenging year for IPOs in 2025

Last year saw some technology companies list their shares, including Figma, Klarna, CoreWeave, and Chime. During the first nine months of 2025, American companies raised more than $30 billion through new stock offerings, with most of that coming from tech firms, according to EY data.

Other large private companies are also considering going public this year. Databricks, a data analytics business valued at $134 billion, and Canva, a design platform worth $42 billion, are among those looking at their options, according to EY.

Founders Fund, the investment firm connected to Peter Thiel, put $20 million into SpaceX back in 2008 and has added more money in later rounds. That stake is now worth tens of billions of dollars. Alphabet also owns a position worth billions. Khosla Ventures, which got into OpenAI early, took a 5 percent stake in 2019.

Last year, both Anthropic and OpenAI took steps to prepare for life as public companies. They hired executives who have run publicly traded businesses before, cleaned up how their boards operate, and brought in large investors who typically buy shares of public companies.

These preparations mean the companies can choose when they want to go public, though recent market movements have created some uncertainty. Large publicly traded companies like Oracle and Broadcom have seen their stock prices drop sharply as worries grow about whether artificial intelligence companies are overvalued.

“When you have a generational company who is defining their category, I don’t think their decision to go public is a reaction to a macro market view,” Ryan Biggs, co-head of venture investment at Franklin Templeton, said “These businesses are so strong that they are the ones driving the macro.”

Plans could still change if major political or economic problems arise. Going public will also subject these companies to much closer examination than they face as private businesses. SpaceX did not respond when asked for comment. OpenAI also declined to comment.

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Starting Thursday, HMRC will begin collecting full transaction data from crypto exchanges as part of a coordinated global tax enforcement push, according to reporting from the Financial Times.

All major crypto exchanges that deal with UK-based users must now hand over complete records. That includes how much a person paid, how much they sold for, and how much they profited. The data must also include each user’s tax residency.

The UK is among the first 48 countries to put these rules into effect under the Cryptoasset Reporting Framework, or CARF, which was drawn up by the OECD.

The global goal is to stop people from hiding profits in crypto. Over 75 countries have signed up to follow these rules. Some jurisdictions, like Hong Kong, Singapore, the UAE, and Switzerland, will begin in 2027. The United States will start collecting in 2028 and begin sharing that data in 2029.

“This is the beginning of the end for crypto investors who thought they could invest and gain from crypto in secrecy from tax and other law enforcement agencies,” said Andrew Park, who works on tax investigations at Price Bailey.

Andrew warned that anyone living in participating countries, including the UK, should understand that their crypto records will be shared directly with their government. He also urged traders to ask themselves if they’re truly tax-compliant before it becomes a criminal issue.

Exchanges must report profits, trading history, and residency info

HMRC is building a direct pipeline of crypto information. From 2027, the agency will automatically send and receive crypto trading data with other countries. These include all EU member states, plus Brazil, South Africa, the Cayman Islands, and the Channel Islands. Every single crypto transaction tied to a UK taxpayer will be visible.

Seb Maley, who runs tax insurance company Qdos, said this is “a major shift in how crypto trading is monitored from a tax perspective.”

“HMRC will soon know exactly who is making gains — and how much,” Seb added.

Anyone who’s traded crypto in the UK and made over £3,000 in gains will now have to pay capital gains tax. But that’s not all. If HMRC believes someone is trading regularly, it may treat them like a business, which means paying income tax and national insurance.

Even non-cash transactions can count as disposals. That includes using crypto to buy stuff, trading one coin for another, or giving tokens to someone, unless they’re a spouse or civil partner. Every single one of those cases could trigger a tax bill.

UK boosts enforcement with new crypto tax section and warning letters

Dawn Register, a tax dispute specialist at BDO, said the UK government has been tracking non-compliance in the crypto space for a while.

“HMRC has been concerned for some time about high levels of non-compliance among crypto investors,” Dawn said.

She added that joining this international system gives HMRC access to “a richer dataset” and allows them “to better target those UK tax residents it suspects of failing to correctly declare their gains.”

In the 2024–25 tax year, HMRC sent out 65,000 warning letters to people suspected of owing tax on crypto, that’s up from 27,700 letters the year before.

There’s also now a voluntary disclosure facility, which gives people a chance to admit to undeclared crypto profits before April 2024. But Dawn said anyone thinking about it should talk to a tax advisor first, before HMRC knocks on their door.

This year, for the first time, the self-assessment tax form has a section specifically for crypto profits and losses. Anyone who made crypto gains during the 2024–25 tax year might need to file a tax return before January 31, according to Dawn.

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Global electronics makers are warning consumers to expect higher prices this year, flagging shortages and surging component costs tied to memory chips, with their analysts all forecasting price increases between 5% and 20%.

Dell’s CFO, Jeff Clarke, said during a November earnings call that the company had never seen “costs move at the rate” they are rising now and said the impact will reach customers.

AI data center expansion drains memory supply

British computer maker Raspberry Pi raised prices in December and described the situation as “painful,” while Lenovo, the world’s largest PC maker, began stockpiling memory chips and other components, chief financial officer Winston Cheng said during a November appearance on Bloomberg TV.

Analysts say demand for high-bandwidth memory has exploded, pushing chipmakers to focus production on advanced memory chips used in AI servers rather than lower-end parts used in consumer electronics.

Samsung Electronics and SK Hynix, which control more than 70% of the global DRAM market, said orders for 2026 already exceed production capacity.

Samsung increased prices for some memory chips by as much as 60% last month, with executive Kim Jae-june saying during an October earnings call that “AI-related server demand keeps growing and this demand significantly exceeds industry supply.”

Consumers will have to deal with higher electronics prices as supply stays tight

Analysts say consumers will shoulder the cost. Daniel at Macquarie expects electronics prices to rise 10% to 20% in 2026. CW Chung, joint head of Asia-Pacific equities research at Nomura, expects a smaller 5% increase, saying companies may try to cut costs elsewhere. Others see fewer options.

Greg Roh, an analyst at Hyundai Securities, said electronics makers have little choice because cloud companies such as Amazon and Google are signing long-term deals with chipmakers to secure DRAM supply for servers, locking up memory chips before consumer brands can access them.

Morgan Stanley expects large U.S. technology companies to spend $620 billion on AI infrastructure in 2026, up from $470 billion in 2025, with global spending on AI data centers and related hardware expected to hit $2.9 trillion by 2028. Peter Lee, an analyst at Citigroup, said, “AI data-centre inference demand is far greater than anticipated, depleting chip inventories for PCs and smartphones as well.” Peter said supply will remain tight until 2027, with stockpiling of chips worsening in 2026.

Lu Weibing, president of Xiaomi, said in November that supply chain pressure in 2026 would be “far greater than” in 2025. Daniel at Macquarie warned that the worst case could mirror the severe supply disruptions seen during the pandemic.

Samsung said in November it would add a production line at its South Korea plant. SK Hynix is building a $91 billion chipmaking cluster, announced in 2024. SK chair Chey Tae-won said in November, “We are thinking hard about how to address all demand.”

An industry executive in Seoul said building a new plant takes two to three years. Until then, Peter said companies will “either raise product prices or sacrifice margins” as memory chips remain scarce.

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Timing and upside potential are more important when investors are engaged with smaller amounts. Big cryptocurrencies tend to be slow. With Q1 2026 in sight, people are reconsidering the way to use small capital. Rather than contributing to some established assets, such as Cardano, a fresh DeFi crypto is undergoing early development, is still affordable, and has already proven itself. The name of that project is Mutuum Finance (MUTM).

What Mutuum Finance (MUTM) is Developing

The Mutuum Finance is developed to be a two-market decentralized lending and borrowing finance protocol. In the P2C market, customers deposit assets in common liquidity. They in turn are rewarded with mtTokens. 

These tokens reflect their status and they have APY which borrowers pay interest on. As an illustration, when the user deposits an amount of $250 worth of ETH in a pool with an APY of 6%, the value of the mtTokens would rise over time as the user will receive interest.

The P2P market also enables users to lend with secured collateral. Borrowers are allowed to take fluctuating rates following the demand or fixed and predictable costs. Loan-to-Value regulations restrict the amount of borrowing. 

Liquidations will be instigated in case collateral value decreases below pre-determined limits. The liquidators will pay off some of the debt and get the collateral on a discount which will allow the system to move on.

Participancy and Presale Advancement

The presale of Mutuum Finance started in early 2025 and has developed into predetermined stages with specific prices and allocations. The project has collected over $19.5M, 18,700 holders and sold 820M tokens thus far.

The total number of MUTM is 4B tokens, and 45.5% or approximate of 1.82B tokens is set aside in the presale. The distribution has been gradual which means that it will open up participation as the price went up.

Phase 1 received the token at $0.01 and currently it is being sold at $0.04 in presale Phase stage 7. That is approximately 300% growth till now. The growth of phase 1 participants is pegged at 500% assuming that MUTM will launch at its target price of $0.06. The cost of each subsequent phase is more expensive and this has contributed to a stable demand and not sharp increases.

In a bid to keep people interested, Mutuum Finance has a 24-hour leaderboard, where the most active participant daily earns $500 in MUTM. This will enable regular attendance since subsequent stages assign fewer tokens.

V1 Launch and Analyst Outlook

Team reports via official statements on X that Mutuum Finance is working on V1 of its lending / borrowing protocol, and will beta launch on the Sepolia testnet. The first assets to be backed are ETH and USDT.

The issue of security has been addressed as a priority. The CertiK Token Scan of MUTM has been scored at 90/100, and the lending agreements have been audited by Halborn Security as a whole, the audit completed and the final update is pending. There is also a $50k bug bounty that will be open to assist in finding out the remaining problems.

It has been suggested by some analysts that the market will review MUTM according to usage rather than according to stages of distribution once V1 is live and users can interact with both the protocols. The modeled condition is that in the measured condition MUTM would go past the mark of $0.06 and will increase further as the adoption follows, but the results will be contingent on the implementation and the market conditions.

The Reason Why MUTM is Being Compared With Cardano (ADA)

Mutuum Finance is a protocol that plans to launch its own stablecoin. Bridging and lending of a stablecoin will keep the activity stable against the background of downward and upward pricings of the broader crypto. This renders the protocol to be less market mood dependent.

It can also be mentioned that Layer-2 compatibility is covered in the roadmap and it can reduce the transaction costs and enhance speed. In the case of lending platforms, reduced fees are essential, since users can interact with the protocol on a regular basis.

Cardano is a reputable project, and the market cap restricts its growth. Price motion would most probably be slow with a $250 allocation. Mutuum Finance is another profile. It is a fresh crypt that is in its early pricing stage, has visible improvement, and an imminent product release. This difference is important to investors who are interested in what crypto to invest in now with a low budget.

Instead of pursuing big networks, a large number are exploring assets in which a $250 could still be enough to gain a significant exposure in the lead-up to the next growth cycle. That is the reason why MUTM is being mentioned among the potential most suitable cryptos to purchase at this time before the year 2026 and the first quarter.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Google closed out 2025 as the strongest stock on Wall Street, outperforming every other trillion-dollar tech company, including Nvidia and Microsoft.

he stock surged by 65% for the year, making it Google’s best yearly performance since 2009 after a brutal first quarter that saw Google’s stock drop 18%, according to data from CNBC.

Broadcom and Nvidia have rallied by 49% and 39% YTD, respectively. Skeptics had been circling Google for months, questioning whether it could keep up in a world driven by AI. ChatGPT and Sora, both OpenAI products, were pulling users away from Gemini, and then advertisers started testing new ways to reach users in a space filled with AI chatbots and agents.

Google’s globally-dominating search model was under pressure, and the company’s ability to stay relevant was being challenged on all fronts.

Gemini app, Nano Banana, and AI hires drive recovery

In April, Google appointed Josh Woodward, who had been with the company for 16 years, to lead the Gemini app, and his team pushed out Nano Banana in August, a feature that allowed users to create AI-generated images by blending multiple photos into a single digital creation.

The feature went viral, and by the end of September, Gemini had processed over 5 billion images, surpassing ChatGPT on Apple’s App Store.

That same summer, Google signed a deal with Varun Mohan, CEO of AI coding startup Windsurf, and hired several of his top engineers. Windsurf had previously been in acquisition talks with OpenAI for $3 billion.

Those talks collapsed, and Google stepped in, agreeing to pay $2.4 billion in licensing fees and compensation to secure the engineering talent. That move added critical AI depth to its team at a time when the pressure was on to innovate quickly.

Court ruling, Gemini 3, and growing search revenue add fuel

In September, U.S. District Judge Amit Mehta handed Google a legal win despite the company being found guilty of running an illegal monopoly in internet search last year.

Mehta ruled against the Justice Department’s harshest proposals, meaning Google wouldn’t be forced to spin off Chrome or stop making payments to have its apps preloaded. The company can still pay Apple billions to keep its search engine the default option on iPhones. However, it now has to share some data with competitors as part of the ruling.

In November, Google released Gemini 3, just eight months after Gemini 2.5. Usage is still behind ChatGPT, but it’s catching up. This month, Gemini reached 18% of generative AI traffic, up from 5% a year ago, while ChatGPT fell to 68% from 87%.

Analysts at Citizens noted that the real value isn’t just Gemini itself but the impact on core search, where the company has embedded AI-powered summaries under a feature called AI Overviews.

“The incorporation of updated models is improving the relevance of answers,” said the analysts, who also said they believe Google can grow search revenue in Q4 2025. They kept a buy recommendation on the stock.

Analysts also pointed to strength in Google Cloud, which is competing directly with Amazon and Microsoft. They flagged the Waymo division and its robotaxi operations as another area that could keep investors interested into 2026.

Expectations are already high. LSEG estimates that Google will report Q4 revenue over $111 billion, a 15% jump from last year. Revenue growth next year is expected to stay in the low teens.

In October, Alphabet raised its 2025 capital spending forecast to $93 billion, up from $85 billion. Analysts at FactSet expect it to climb to $114 billion in 2026. CEO Sundar Pichai told investors on the October earnings call that Google Cloud signed more billion-dollar deals in the first three quarters of 2025 than in all of 2023 and 2024 combined.

Still, not everyone’s relaxed. Analysts at Pivotal Research said that if OpenAI runs into financial problems or cuts spending, the ripple effect could hit the entire AI sector, including Google. But they’re not pulling back. Pivotal raised their Google price target by $50 to $400, which is 28% above Wednesday’s close of $313. “

We believe the shakeout, if it happens, will mirror 2000,” they wrote, “and will inevitably be a healthy weeding out process leaving fewer, much more dominant competitors, with GOOG leading the way.”

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The market for cryptocurrencies has consistently proven that early positioning can attract unusually high returns. The historical rise of Cardano during 2020-2021 is one obvious example of how investors who entered during the right time stood to gain unusually high returns. Currently, investors are looking for a new cryptocurrency that will replicate this kind of rise, but this time in a vastly different market setting.

As Mutuum Finance continues into the latter stages of presale and adoption rates pick up speed, comparisons are being drawn on the possible upside relative to past cycle leaders. For those researching the best cryptocurrency to invest in, new ROI models based on sound precedent are being built.

Mutuum Finance Presale Trend

This historical framework has been extended to Mutuum Finance, which is a new cryptocurrency being marketed at the intersection of DeFi lending and early price discovery. At present, the presale has entered Phase 7 and the momentum continues to increase. Mutuum Finance has confirmed that a total of $19,500,000 has been raised since the presale started, and there are now 18,620 total MUTM token holders. 

Currently, Phase 7 costs only $0.04, which reflects a 300% premium over the original entry price of Phase 1 at $0.01. Phase 7 will soon sell out completely and will initiate Phase 8 at $0.045 with a 20% premium to illustrate why Mutuum Finance has emerged within the ranks of the best cryptocurrencies to buy now, given that all subsequent prices will reset to a higher rate.

Apart from this, Mutuum is further optimizing engagement through its newly launched dashboard that showcases the leaderboard of the current Top 50 holders. The 24-hour leaderboard rewards the #1 ranked person in the list for that day with a $500 MUTM bonus, as long as at least one transaction takes place in the given duration, which renews at 00:00 UTC.

From a foundational standpoint, confidence is also reinforced by the developments in security. The Halborn Security Code Review of Mutuum’s lending and borrowing contracts has concluded, and the codes have been finalized and reviewed. The development traction is also moving forward with V1 protocol deployment on Sepolia Testnet, according to the announcement. The following key components of the platform will be deployed: Liquidity Pools, mtTokens, Debt Tokens, and a Liquidator Bot with initial assets being ETH and USDT. Together with the ongoing prize giveaway worth $100,000, these updates heighten the activity level among the yet undecided. 

With a launch price set at $0.06, existing investors are poised for an ROI gain as high as 420% following the launch, which is the reason why some analysts consider MUTM the next crypto to explode and a serious contender when considering the purchase of the best cryptocurrency. 

What Makes Timing Increasingly Important 

With the availability of Phase 7 growing tighter, the opportunity to obtain a $0.04 price and contribute to the growing base of locked-in liquidity is becoming increasingly time-sensitive. As a strategic entry point for investors looking for a proving ground for an asymmetric opportunity in a new cryptocurrency coin, Mutuum Finance is becoming less of an and then and more of an if not now, as it emerges as one of the best cryptocurrencies to buy now.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance