Cryptopolitan

Some cryptocurrencies in the market are supported by internet hype and not actual utilization. Shiba Inu is one of them, a meme token that does not provide a solid basis for long-term expansion. However, a fresh DeFi token known as Mutuum Finance (MUTM) provides a unique approach and has managed to amass a total of $19,600,000 and more than 18,660 wallet addresses while still being in presale. Acquiring the token today at the ongoing Phase 7 price of $0.04 can result in substantial gains.

The Problem with Shiba Inu

Shiba Inu’s value depends on trending on various social media platforms. It does not possess strong functionality to build its value. Additionally, its supply is massive, with over 598 trillion tokens, which hinders price growth. For those seeking the best crypto to buy today, it is better to opt for those that possess much functionality and better tokenomics. One new crypto, Mutuum Finance, operates on a functional system and not hype.

Act Fast Before the Price Increases

Mutuum Finance (MUTM) is in presale Phase 7 with tokens priced at $0.04. Experts project that this phase will sell out very quickly and the subsequent phase will hike the cost to $0.045. Investing now allows you to enter before the price increase. Those who wait will pay increasingly higher prices as the presale is progressing fast. Analysts believe MUTM will increase to higher figures after launch. It is very likely that it will be the next crypto to explode to become a top DeFi player.

Get Rewards Just by Holding

Mutuum Finance has a system that rewards holders. When individuals use the lending feature of the platform, they pay fees. Some of these fees are used to purchase MUTM tokens that are then used to reward individuals who stake their coins on the platform. This implies you will be generating extra coins in case you stake in the project. This has generated strong interest among investors seeking long-term gains and passive income.

When you combine key Mutuum Finance features such as its rapid presale, a buy and distribute mechanism that rewards stakers, and additional products such as its upcoming stablecoin, potential for growth presents itself. Analysts following the project see token soaring toward $1.50 in 2025 boosted by this ecosystem. In such a scenario, an investment of $2500 today could grow to as much as $91,250, a 3650% ROI from current prices. Mutuum Finance’s stablecoin will be non-algorithmic and pegged 1:1 to the U.S. dollar. This adds further to the stability of the project in comparison to its counterparts that utilize a less stable algorithmic stablecoin. 

Win BIG with Current Promotions

Mutuum Finance is conducting a $100,000 giveaway for ten winners. A reward of $10,000 in MUTM tokens will be given to each of these individuals. A daily leaderboard contest is also underway. The person who invests the most in a day wins a $500 MUTM bonus. These are benefits that provide immediate value to new investors. Being part of the presale rewards you with these prizes. This activity makes MUTM a lively crypto project.

Mutuum Finance is not one of those speculative coins. Mutuum Finance is a utility token with a fixed supply, a functional product, and it’s going to be released soon. The success of the presale is a testimony that investors have a lot of faith in the coin. If there is anyone who is wondering what to do with the current cryptocurrency market, where to invest, and best crypto to buy now for potential growth, MUTM is definitely one of the top options. The current price is very attractive. You should not let this chance to buy it for $0.04 go.

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

Website: https://mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance 

Ethereum is struggling to maintain itself above $2,900 as institutional sellers dump massive amounts. This adds tremendous volatility to its pricing. Meanwhile, there is tremendous growth potential emerging within a new DeFi platform, Mutuum Finance (MUTM). MUTM turns out to be the best cryptocurrency to buy right now. Its presale has already raised more than $19,600,000 with 18,660 unique holders.

It can be acquired for below $0.05 with a proper roadmap. The potential of investing in this token is through the roof according to project analysis. It is likely that with an initial investment of $500, it could multiply by 24x based on its current momentum to deliver $12,000 before mid 2026.

Ethereum Faces Strong Selling Pressure

Ethereum is stuck below the crucial level of $3,000. It is constantly attempting to move past $3,000 but failing to do so. One of the major reasons for it is the sales made by whale investors. They have been selling ETH worth approximately $793 million in the recent past.

Although there are some long-term investors who are buying, the short-term future seems rather chaotic. To invest in a good growth opportunity, Ethereum poses more risk than rewards. This is why most people believe that there is no better time to invest in the best cryptocurrency than in MUTM. It has better fundamentals to offer when it comes to growth without the same kind of selling pressures.

Time is Running Out in Phase 7

The presale for Mutuum Finance is currently in a very critical phase. Currently, in Phase 7, the token goes for $0.04. That’s a price investors will never see again as the token keeps appreciating. Investors who got in when the presale started are already up 300%. But It’s still not too late. There is still far more upside ahead, but swift action is encouraged. When you invest $500 at a price of $0.04, you earn 12,500 tokens. When MUTM comes out at $0.06, the value of your investment climbs to $750. And as the token continues higher past $0.10, the same investment will exceed $1000. It’s definitely a good opportunity in the best cryptocurrency to buy before the price rises again.

Built-in Growth after Launch

The initial launch price of $0.06 is merely the start of MUTM’s life. This project is designed to continue expanding even after it has been launched. It has a special buy and distribute mechanism as one of its designs. A part of each fee that users pay for using the services of Mutuum will be utilized for purchasing MUTM tokens from the market. The purchased tokens will then be distributed to those users who stake their coins in this defi crypto.

As the number of users on the lending platform increases, the number of fees that are generated for buy-backs increases as well. Increased usage is also set to have a positive impact on token price. Some experts who understand the nature of the project realize that the price may realistically swing from $0.06 to $0.10 once the project has been launched. This is a solid prediction that shows MUTM is the best investment.

Rewarding Early Backers

Mutuum Finance realizes the need to appreciate early investors. The project has several initiatives for this:

Mutuum Finance features a $100,000 token giveaway that will award 10 individuals with $10,000 each. Individuals are required to invest at least $50 in the project to participate.

The project also has a daily leaderboard that ranks its biggest investors of the day. Securing the number 1 ranks warrants a $500 MUTM reward. 

The 50 largest holders of MUTM tokens are ranked and will be rewarded for maintaining their position in this leaderboard. 

The Smart Choice for Today’s Investor

The future for Ethereum is clouded by its fight against the sellers. Mutuum Finance’s future is instead very clear. The presale provides a guaranteed discount, the token supply will forever be capped, and the reward system supports the price. The numbers speak for themselves – millions raised, thousands of token holders, and a rising price.

The kind of cryptocurrency that you should be looking to invest in right now has to be one which has good plans and an early start. Mutuum Finance has both, and this makes it one of your best options to multiply small capital. You have to take immediate action during Phase 7 because once the cost rises, you will miss this opportunity.

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

Website: https://mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance 

Long run winners tend to be silent and not visible before being conspicuous. The market is prone to observing them in installments. To begin with, a small team follows the build. Then participation grows. Then we see the more general crowd which, the price is already turned.

Other analysts perceive that now Mutuum Finance (MUTM) passes to the phase of that notice. It remains at a costly price of $0.04, but has actual momentum and an evident DeFi strategy. This is the kind of structure that might be premature, yet not unthoughtful to those investors looking for the potential best crypto to purchase today in order to sell it in 2026.

What Mutuum Finance Is Building and Presale Strength

Mutuum Finance (MUTM) is a start-up developing a non custodial lending and borrowing protocol. The product goal is simple. Assets are added by the user to generate a yield. The loans are taken by borrowers who have overcollateral. The protocol controls interest rates and risk regulations to ensure that pools remain healthy.

The MUTM traction is reflected in its presale figures. Mutuum Finance has listed some $19.6M raise, approximately 18,700 holders, and approximately 822M to date sold tokens. In early 2025, the presale began and proceeded in stages based on fixed prices. 

In Phase 1 it was starting at $0.01 and in Phase 7 is currently at $0.04 which is an increase of 300% between phases. An official launch price of $0.06 has also been cited in Mutuum Finance and this is important to lending protocols as they are based on trust and early liquidity. An increased pool of holders may be an indication of greater confidence than an absence of a temporary burst of attention.

V1 Progress and mtTokens 

Mutuum Finance has indicated that V1 is being set up on Sepolia testnet first, and then on mainnet, and timing as being soon. V1 consists of such fundamental components as the Liquidity Pool, mtToken, Debt Token and a Liquidator Bot, and ETH and USDT are initial assets that can be lent, borrowed and collateralized.

The lending experience has been defined by the use of mtTokens. Users will be provided with mtTokens in exchange when they provide their assets. In the long term, the process of minting of tokens is intended to take into account the yield gained through the activity of the protocol. In the case of long-term crypto investment, that is important since it will base user rewards on actual use.

Demand model in Mutuum Finance wherever a fee is tied to demand is also pointed out by analysts. The phrasing should remain precise: MUTM bought on the open market is resold to users who invest the mtTokens on the safety module. According to some market commentators, this design can sustain continued buying pressure in case the protocol expands and brings in increased fees.

Analysts may begin at the reference point of the launch on price. From $0.04 to $0.06 is a 50% move. In a bullish outlook, it is estimated that MUTM may be trading at a higher price of above $0.06 once launched in case the visibility improves and the usage goes high.

Stablecoin and Layer 2

An overcollateralized stablecoin plan is also outlined in Mutuum Finance. The minting of the stablecoin occurs when the users pledge collators over the mandated ratios and the reverse occurs upon repayment of debt. 

Mutuum Finance has talked about the cost savings of Layer 2 on the scaling through the compression of calldata. The takeaway is simple. A lending product can be easier to use by lowering fees and hastening the execution of a lending product, which can help adoption.

On the higher target, other analysts depict a bullish trend that MUTM may gain 200% to 300% of its value between $0.04 to the same value in the long run provided the V1 delivery remains on schedule and uptake increases. That would put MUTM at $0.12 to $0.16. It is a scenario, not a promise but it puts MUTM into context of potential best cheap crypto to buy now.

The Community Push, Security and Bug Bounty

Lending protocols are heavily dependent on security. Mutuum Finance quotes a CertiK scan rating of 90/100, and indicates that its V1 lending and borrowing protocol was audited by Halborn Security, who conducted an independent audit. It has also cited a $50k bug bounty, which brings wider testing strain before larger applications.

Mutuum Finance is in the spotlight of whoever wonders which crypto to invest in in 2026 since it has traction, is close to hitting its V1 milestone, and has a demand model based on actual protocol fees. In the event that execution is equal to the roadmap, according to some analysts, the quiet phase may be quickly resolved.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

As the new year of 2026 unfolds, investors of Cardano (ADA) are directing their funds towards investing in Mutuum Finance (MUTM), which is currently at $0.04 as it advances through its Phase 7 presale stage. Increasingly, experts now describe MUTM as the number one cryptocurrency investment choice that investors should opt for today. Having already raised $19,600,000 and with 18,660 supporters on board, early adopters are set to gain massively. For example, an initial investment of as little as $1,000 will procure 25,000 units of the MUTM token. Assuming that the subsequent hype creates a market value of $0.50 per token, as predicted, the profit potential will be 12.5x the initial buy.

Cardano Price

Cardano has just observed the first golden cross of the year 2026, as the 9-day moving average crossed above the 26-day average at the value of $0.3380. The trading volume increased by 31.35%, pulling the price of ADA to a temporary high of $0.3429. However, Cardano’s current development has some risks involved. Its Relative Strength Index is now close to the oversold area with a value of 33.85.

Without any new utilities and improved fundamentals, Cardano continues to be undermined by bearish reversals, causing large investors to search for opportunities in assets that offer clearer growth triggers, making MUTM the most advantageous cryptocurrency to buy, even without focusing on trading trends. Unlike ADA, MUTM is already in a position to reward investors with 30x returns in months, similar to Cardano’s early returns. Consequently, choosing MUTM now proves to be a better choice than investing in ADA.

Mutuum Finance Sees Growth

Mutuum Finance is currently in Phase 7 with tokens costing $0.04. This is 300% more from Phase 1’s price of $0.01. Given the pace of filling up of the presale, now is the last chance to buy MUTM tokens at this price before Phase 8 kicks in with a price rise. Over 18,660 individuals have already placed investments to raise $19,600,000. 

Putting off purchases will mean increased prices for the same tokens. Buyers can take advantage of the best possible prices before the tokens start trading from $0.06 in the open market. MUTM is thus an appealing choice to investors who are looking to benefit from a fast rising project with a 30x ROI well within reach. In essence, those who spend even $50 to buy MUTM now will get over $1500 in a matter of months. The more investors spend, the more they gain from this project.

Price Forecast 

Those acquiring the coin currently are poised to realize a gain of around 400% based on the impending market launch price of $0.06. Analysts peg the innate drivers of demand in the project, protocol revenue share, multi-chain strategies, and the expansion of liquidity pools, as a result of which the value of MUTM may just exceed the barrier of $0.15 in the subsequent months after the launch. An investment of $2,000 currently will purchase 50,000 tokens, of which the value at $0.15 will be $7,500, registering a gain of $5,500.

Strong Security Creates Confidence

Security is essential for investor trust, and as such, Mutuum Finance has undergone a thorough Halborn Security audit for their lending and borrowing contracts. Halborn’s audit is now complete and all their recommendations incorporated before MUTM’s V1 protocol launch. This is critical in an industry where unaudited contracts often see exploits in the tens of millions, as was witnessed with other DeFi projects.

Portable Risk Parameters & Stability Tools

Loan-to-Value ratios are set between 72% to 78% for well-established coins, while ratios are between 33% to 38% for more volatile instruments. If a lender’s collaterals fall below liquidation ratios, automated smart contract liquidations occur to ensure a healthy environment within the system. 

The borrowing system supports a minimum amount of additional collaterals, where $12,500 worth of deposited ETH could allow a user to borrow $9,000 worth of stablecoins with a Loan-to-Value ratio of 72%. Lenders on the other hand earn mtTokens, which are ERC-20 deposit receipts allocated in a proportional manner (e.g., 8,000 USDC deposited results in an allocation of 8,000 mtUSDC), passively accruing interest between 10% to 12% APY. 

Positioning for Long Term Gains 

With a highly attractive presale, audited infrastructure, and innovations targeting the DeFi market, Mutuum Finance stands out as one of the top options for cryptocurrency investments. Those involved in Phase 7 are positioned for capturing huge gains as adoption grows.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

Europe is gearing up for another round of confrontations with America’s largest technology companies this year, setting the stage for potential friction with President Donald Trump’s administration.

Brussels prepares fresh tech crackdown despite US pressure

The European Commission plans to put greater emphasis on making sure tech giants comply with digital regulations in 2026, according to officials and lawmakers in Brussels. This shift comes after several years spent creating sweeping new laws designed to rein in powerful technology platforms.

The enforcement push carries significant political risk. Trump’s team has already called for modifications to Europe’s tech legislation and warned that tariffs could be imposed if European authorities continue targeting Silicon Valley firms.

European regulators find themselves walking a tightrope. They want to uphold their digital laws while avoiding a trade dispute across the Atlantic or pushing Trump closer to Russia regarding Ukraine.

Teresa Ribera, who leads competition policy for the EU, spoke plainly about the challenge in an interview with the Financial Times. She said there have been times when she needed to be direct with US counterparts, telling them Europe would not reverse its regulations simply because they objected to them.

The strategy centers on maintaining two major pieces of legislation. The Digital Markets Act targets what regulators call online gatekeepers, requiring them to open their platforms to competitors. The Digital Services Act pushes internet companies to do more to stop illegal material on their sites.

People involved in implementing these laws said the real work has always happened away from public view, focusing on getting companies to follow the rules rather than announcing big penalties.

Both Apple and Meta adjusted their operations after receiving fines during the spring months. The changes addressed specific concerns raised by European authorities.

Brussels has started looking into new potential violations. Last month, investigators began examining whether Meta blocks competing artificial intelligence developers from using WhatsApp. They also launched a probe into how Google uses material found online to train its AI systems. Separate investigations were opened to check if there is adequate competition among cloud computing providers.

Fiona Scott Morton, who studies antitrust issues at Yale University, described the approach as measured and professional. She noted that officials might be keeping a lower profile than they otherwise would because public announcements offer little advantage in the current climate.

Still, she emphasized that moving forward with enforcement delivers real benefits for European citizens and businesses.

Some technology cases will inevitably attract widespread notice.

European officials must decide how aggressively to pursue their case against Google over claims it gives preference to its own offerings in search results. This includes determining whether to levy substantial fines against Alphabet, the search engine’s parent company.

The Digital Services Act could prove even trickier to enforce this year.

So far, the emphasis has been on safeguarding children online, ensuring online marketplaces like Temu and Shein operate safely, and combating financial scams. These topics have support from officials on both sides of the Atlantic. European officials acknowledged this was partly a deliberate choice given the political sensitivities surrounding the law.

Washington hits back after X penalty

Last month brought a turning point when the commission fined X, owned by Elon Musk, €120 million for breaking transparency requirements. The penalty triggered harsh criticism of Europe from US government officials, while Musk called for abolishing the EU entirely.

That same month, the United States imposed a visa ban on Thierry Breton, a former EU commissioner, along with four other individuals. Washington accused them of censorship and pressuring American social media platforms.

US officials specifically targeted Breton for his role in creating the Digital Services Act and for warning Musk that X needed to follow rules about illegal content.

Marco Rubio, the Secretary of State, said the US was taking action to prevent key figures in what he called the global censorship-industrial complex from entering the country. He warned the list could grow if others did not change their approach.

Meanwhile, European legislators and advocacy groups are urging Brussels to accelerate more delicate investigations. These include examining whether X is doing enough to stop illegal content from spreading and looking into whether TikTok influenced elections.

Legal experts and officials argue that Europe could take much stronger action regarding competition in artificial intelligence.

Damien Geradin, an antitrust attorney who has represented companies in cases involving Google and others, pointed out that enforcing EU digital regulations has become harder because of the aggressive position taken by the current US administration.

Political factors have given major technology companies confidence to push back through intense lobbying in both Europe and America.

Google said the EU’s investigation into its AI models threatens to hamper innovation in a highly competitive market.

Apple has demanded that Brussels eliminate the Digital Markets Act completely. Meta criticized the commission for trying to disadvantage successful American businesses while allowing Chinese and European companies to operate under different rules.

Mario Marinello, who works with the Brussels think tank Bruegel, warned that yielding to internal or external pressure on enforcement would harm the European economy. He said strong competition enforcement is necessary for competitiveness.

Alexandra Geese, a European parliament member with the Greens, argued that even current enforcement efforts are inadequate and delayed. She described the situation as an assault on democracy led by tech oligarchs through social media, with Europe failing to mount an adequate defense.

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According to Token Terminal data, the amount of Ethereum deposited to Aave has reached an all-time high, crossing 3 million ETH and approaching 4 million ETH as of January 4, 2026. 

The announcement comes just as DeFiLlama published its top 10 protocol list by total value locked (TVL), naming Aave as the number one in the report.

ETH deposits on Aave protocol reached a new record high. Source: Token Terminal

Aave has seen record highs in Ethereum deposits since 2025

To truly appreciate how far Aave has come in 2026, one needs to zoom out and return to 2024, which is around the time when TVL started to take off on Aave. The borrowed liquidity metric also paints a clearer picture of the utility the network has come to be associated with.

Between 2024 and 2025, the Aave protocol processed billions in debt, recording just over $3 billion in borrowed funds at the start of 2024, a figure that ballooned to over $30.5 billion when it reached an all-time high in September 2025.

In the same year, Aave saw its highest monthly revenue reach $14.4 million in January, with revenue crossing $13 million in September before ending the year at $7.57 million.

All that has positioned Aave as the top lending protocol. As of January 2026, its overall TVL has reached $35 billion, and most of it is parked in the Ethereum mainnet.

Going into 2026, Aave still leads the lending industry, and its relationship with ETH only solidifies that link. Token Terminal called the arrangement between both chains a win-win situation because, as Aave creates demand for ETH, ETH expands the revenue-generation capacity of Aave. This has spurred investor confidence in the Aave protocol and kept it ahead of other lending protocols.

Aside from the Aave platform, Compound Finance, Morpho, and Spark, the lending arm of MakerDAO, also reported high ETH deposits.

Vitalik Buterin is bullish on Aave’s role in Ethereum

According to an article from Ethereum’s founder, Vitalik Buterin, low-risk DeFi like Aave has the potential to become the “search” to Ethereum, which he likened to “Google.”

According to him, low-risk DeFi is a great solution because it has irreplaceable value and is good for sustainability due to its ability to generate significant transaction fees without becoming a parasite.

Buterin also mentioned how, unlike Google’s ad model, which is focused on data harvesting, low-risk DeFi is a great option because it does not unnecessarily subject the L1 to pressure for the sake of speed.

As far as he is concerned, this signals alignment and makes more sense as a revenue generator. He claimed it also makes it easier to defend Ethereum’s impact because its biggest use case would not be to facilitate “digital monkey” sales.

Buterin called low-risk DeFi a stepping stone that can ultimately help the Ethereum ecosystem get closer to its more advanced goals.

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Once the market becomes picky, the traders will not be interested in following whatever is trending anymore, they turn their focus on what is being constructed. It is generally at that point that smaller tokens with actual product advancements start to shine through. This is the reason why some analysts think that Mutuum Finance (MUTM) will be received with more attention in Q1 2026. It is below half a dollar, yet, its pricing has since shot up sharply by the lower ranks and its V1 milestone is approaching.

Mutuum Finance (MUTM)

Mutuum Finance is developing two types of markets of non custodial lending and borrowing protocol. P2C is pool based. Liquidity deposits are made by the users to common pools, and liquidity is obtained by borrowers through common pools. Interest rates vary according to the use and this is the extent to which the pool is borrowed. 

Liquidity is high and as a result, the rates of borrowing remain low. In case there is low liquidity, the rates will be increased. That has the ability of increasing the lender APY since borrowers are paying a higher amount in order to access capital.

P2P is direct matching. Users are able to negotiate terms as opposed to borrowing through a pool. This structure can be appropriate to those borrowers who desire more detailed terms. The stable-rate borrowing, together with variable borrowing, is also defined under specific circumstances by Mutuum Finance so that users should have more options.

The options of risk control are founded on the LTV and liquidations. LTV imposes an upper limit on the amount of a collateral that can be borrowed by a user. In case of collateral falling and the position turns to be insecure, this protocol may cause liquidation. Part of the debt is lost through liquidators and bonus-discounted collateral being taken, and this assists in protecting the system.

At this point data is becoming the driver of demand. MUTM is priced at $0.04 in Phase 7. The Presale began in early 2025 at $0.01, $0.04 in Phase 1 and Phase 2 respectively and therefore this increase to $0.04 will be a 300 increase through phases. Mutuum Finance boasts of $19.6M raised, approximately 18,700 holders, and 822M tokens sold to date.

First Analyst Target

V1 is being prepared followed by finalization on Sepolia testnet before mainnet Mutuum Finance has said it will come soon, followed by Sepolia testnet, then mainnet. V1 is made up of basic components such as the Liquidity Pool, mtToken, the Debt Token, and a Liquidator Bot and ETH and USDT are initial assets to be lent out, borrowed and to be used as collateral.

The change in attention includes security as well. Mutuum Finance provides an example of 90/100 CertiK token scan and indicates that Halborn Security just had its V1 lending and borrowing code independently audited. It has also cited a $50k bug bounty, which opens more widespread testing stress.

These steps reduce the “unknowns” that usually surround new DeFi crypto launches, since audits and bounties are aimed at catching weak points before large liquidity arrives. Early investor sentiment indicates that visible security work helps build baseline trust, which can widen participation and make the project easier to track with more confidence. 

Some analysts believe this is why MUTM is appearing on more watchlists, with expectations that stronger trust and smoother rollout conditions can support token appreciation over time if usage grows.

mtTokens and Demand

One of the mechanics is the use of mtTokens. Users will get mtTokens which represent their pool position when they provide assets. The mtTokens will in the long run be able to reflect earned yield of borrowing activity.

Oracles support that system. The design of Mutuum Finance also expects Chainlink style price feeds, fallback options, and potential aggregated sources. Proper pricing is an important issue since it drives liquidations and maintains LTV regulations in swingy markets.

This is the x increases that are discussed by analysts. Under a bullish scenario, estimates record that a 7x projection within the price range of $ 0.04 would bring MUTM within the price range of $0.28. That is not because of it, yet it is the type of positive returns that attract individuals seeking the next great crypto beneath $0.05.

Why Analysts compare this Setup to Early Solana

Other analysts have likened the operations of MUTM to the initial Solana not that the initiatives are parallel but because the trend is used to. A clear build. A strong focus on shipping. A late-notice and rapid-catch-on market.

Mutuum Finance is working towards a scalable lending stack. It is geared towards the two markets, based on structure borrowing conditions, and risk management measures such as LTV and liquidations. It also describes oracle infrastructure and a stablecoin track, which leads to a larger vision of DeFi platforms.

This is why MUTM appears in the first place in crypto-related topics even before the mainnet is launched. Assuming that the delivery of V1 remains on time, some analysts assume that the project may cease to be a new crypto coin but will be a well-observed Altcoin at the end of Q1 2026.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Blockchain security firm SlowMist has found a vulnerability on cryptocurrency exchange HitBTC.

The firm shared the alert on X on Sunday, stating, “We have identified a potential critical vulnerability and reached out via DM in advance under responsible disclosure, but have not yet received a response.”

SlowMist also added that the exchange should contact them “promptly to coordinate next steps.”

How did HitBTC respond to the security threat disclosure?

Going by recent public announcements from SlowMist security analysts, exchanges don’t tend to act with the level of urgency one would expect from custodians of user funds.

The latest one involving HitBTC is at least the third time in recent weeks that SlowMist has publicly disclosed attempted security warnings after failing to establish contact with cryptocurrency exchanges.

In December, the security firm issued similar notices to Seychelles-registered Azbit and Turkish exchange ICRYPEX Global, both of which handle significant daily trading volumes but failed to acknowledge the warnings.

HitBTC is one of the oldest cryptocurrency exchanges still in business since its founding in 2013. The platform, registered in the British Virgin Islands, has a trading volume of over $110 million in the past 24 hours as of the time of writing. Over 250 cryptocurrencies and 800 trading pairs are available on the exchange.

Security concerns are persistent

SlowMist’s 2025 annual security report documented 200 security incidents resulting in losses of approximately $2.935 billion, representing a 46% increase in financial damage compared with the previous year, despite fewer total incidents being recorded as opposed to 2024.

According to SlowMist’s report, “Exchange-related incidents numbered only 12 but caused staggering losses of up to USD 1.809 billion.”

By comparison, decentralized finance (DeFi) protocols experienced 126 incidents resulting in $649 million in losses.

According to data shared by security firm Certik, around $117.8 million was lost to exploits in the crypto space in December 2025 alone.

The shift from higher incident counts to larger individual losses shows that these attacks are becoming more sophisticated and targeted.

Security analysts note that professionalized hacker groups, including state-sponsored actors with alleged North Korean links, are moving from opportunistic attacks to systematic, multi-step operations designed to extract maximum value from fewer high-profile targets.

As Cryptopolitan reported yesterday, one crypto user lost approximately $1.08 million worth of Aave-wrapped Ethereum LBTC (aEthLBTC) in a phishing attack after signing a malicious “permit” signature.

Major AI companies like Anthropic, OpenAI, and Google have also reported that criminals are tapping into their platforms to orchestrate complex phishing operations, develop harmful software, and execute various digital attacks. Security specialists warn that criminals are also producing fake audio and video clips of company leaders to trick employees into giving up sensitive information.

How should crypto exchanges respond to threat warnings?

Security experts usually recommend that cryptocurrency platforms establish clear contact points for reporting vulnerabilities, including publicly available security email addresses and long-term public keys for encrypted communication. Industry guidelines expect that affected parties respond within two working days of initial contact.

When security researchers like SlowMist in this case struggle to establish contact after multiple attempts, they are left with no other option than public disclosure to ensure transparency, especially when user funds face potential risk.

SlowMist has built a reputation for lending weight to the blockchain security apparatus.

The firm assisted in freezing or recovering approximately $19.29 million in stolen funds during 2025 through its threat intelligence network and MistTrack analysis platform. Across 18 major incidents, roughly $387 million of $1.957 billion in stolen funds was frozen or recovered, yielding a recovery rate of 13.2%.

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South Korea’s Financial Intelligence Unit (FIU) is now slowing down the expansion of the virtual asset market with fewer approvals and longer approval times. 

Only two virtual asset service providers (VASPs) were approved in 2025, down from four in 2024. South Korea’s Financial Intelligence Unit has also increased approval times from 11 months to 16 months.

South Korea’s FIU is delaying approval for VASPs

South Korea’s Financial Intelligence Unit (FIU) approved only two new virtual asset service providers (VASPs) for the entire year of 2025. Happy Block received approval in January for exchange and trading operations, while Blosafe was approved in August for transfer and storage management services.

The average period from application submission to approval increased from 11 months in 2024 to 16 months in 2025.

Blosafe’s application took over 600 days to get approved. Industry sources indicate that numerous virtual assets are unable to launch their operations due to these extended delays.

Bit Korea, a joint venture with Hana Bank established in 2024, submitted its application to South Korea’s FIU, but so far, the company has not received approval and cannot conduct business. Under South Korea’s regulatory structure, companies can register as virtual asset operators but cannot operate without receiving approval.

On December 23, a year and four months past the deadline, the FIU approved the license renewal for Dunamu, which operates Upbit, South Korea’s largest cryptocurrency exchange. The FIU imposed a 35.2 billion won fine on Dunamu in November 2025 for violations, including negligence in anti-money laundering obligations.

Korbit submitted its renewal application in September 2025, while Bithumb, Coinone, and Gopax filed in October. On December 31, Korbit received notification of an institutional warning and a 2.73 billion won fine for regulatory violations.

Are suspicious crypto transactions surging in South Korea?

Between January and August 2025, virtual asset service providers filed 36,684 suspicious transaction reports with the Financial Intelligence Unit, already exceeding the combined totals of 16,076 reports in 2023 and 19,658 reports in 2024.

The Korea Customs Service reported that from 2021 through August 2025, about 9.56 trillion won was involved in cryptocurrency-linked crimes.

Approximately 90% of these cases involved hwanchigi schemes, which are illegal foreign remittance operations where criminal proceeds are converted into cryptocurrency through overseas exchanges, routed into domestic platforms, and cashed out in Korean won.

As Cryptopolitan reported, South Korea announced plans in November 2025 to expand its Travel Rule requirements to cover all transaction sizes, eliminating previous exemptions for transfers under 1 million won.

Hana Financial Group Chairman Ham Young-joo said that stablecoins should be considered a strategic priority in his January 3 New Year’s message and stressed the need to build comprehensive systems for stablecoin issuance and distribution.

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Crypto just added $90 billion in a day as everything turned green, even with the US grabbing Maduro from his capital city.

Bitcoin is back near 92K, and Polymarket gamblers are betting bullish.

OPEC+ still plans to pause supply hikes, with Saudi and Russia calling the shots at Sunday’s meeting.

Trump says US oil giants will rebuild Venezuela, but OPEC’s watching that angle closely.

Elon Musk’s AI chatbot Grok is facing the risk of being permanently banned in France, Malaysia, and India after creating sexualized images of children in response to public prompts on X.

On Saturday, Malaysian authorities announced that they are investigating Grok for producing offensive and illegal content using AI. The country’s Communications and Multimedia Commission (MCMC) confirmed it received complaints that Grok was generating manipulated images of women and minors in sexually explicit forms.

The agency made it clear that distributing such content is a criminal offense in Malaysia. According to their statement, they will also go after the users of X who requested or posted the content and plan to summon X representatives for questioning.

The MCMC said, “While X is not presently a licensed service provider, it has the duty to prevent dissemination of harmful content on its platform.”

India, France, and EU raise legal threats over Grok’s images

Just one day earlier, India’s Ministry of Electronics and Information Technology issued a formal warning to X, demanding a complete review of Grok and its ability to generate nudity, sexualized material, or anything that’s unlawful.

Bloomberg claims it saw a copy of the notice, dated January 2, which gave X 72 hours to submit a full report on actions taken. The letter warned of potential criminal charges and additional penalties under the country’s IT laws.

India’s Information Technology Minister Ashwini Vaishnaw told CNBC-TV 18, “The Parliamentary Committee has recommended a strong law for regulating social media. We are considering it.”

Meanwhile, France’s government didn’t hold back either. Officials said on Friday that Grok had generated “clearly illegal” sexual material on X without people’s consent. They said the chatbot’s behavior was likely in violation of the European Union’s Digital Services Act, which demands large platforms take strong action to limit illegal content.

According to France, Grok’s actions show a complete failure in enforcement of platform rules.

Some of the pictures were taken down after backlash, but officials said the damage was already done. Even Grok’s own policy bans sexualization, making the violation even worse.

In response to the controversy, a post by Grok on X claimed it had “identified lapses in safeguards” and said fixes were “being urgently applied.” But that hasn’t slowed down the demands from governments for accountability.

Musk rages as EU slams X with €120 million penalty

Meanwhile, just last month, the European Union fined X €120 million (about $140 million) for breaking the Digital Services Act. The fine was for deceptive blue checkmark designs, opaque advertising systems, and refusal to give researchers data access. But Elon still blew up on the platform.

In one reply to the EU’s official post, Elon simply wrote: “Bullsh*t!” Then the next day, he posted, “The EU should be abolished and sovereignty returned to individual countries, so that governments can better represent their people.”

Andrew Puzder, the U.S. ambassador to the EU, backed Elon on X, saying, “Today’s excessive €120M fine is the result of EU regulatory overreach targeting American innovation.”

He added that President Trump’s administration opposes censorship and will fight unfair international rules. “We expect the EU to engage in fair, open, & reciprocal trade — & nothing less,” Puzder posted.

As the backlash over Grok builds, so do the threats of regulation and lawsuits. But instead of cooling things down, Elon and his team replied to an email request from Bloomberg with just two words: “Legacy Media Lies.”

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That is why the slightest movement in the market can be enough. BTC pulls back for a few days. ETH stalls near a key level. Meme coins begin to dry up and the charts are growing weary. When it occurs, traders are rotated. They turn their backs on pure narrative plays and to projects that could be interesting in pure utility.

Rotation is recurring with some analysts thinking that it is going to take place into Q1 2026. And they say that the focus is shifting quickly towards one particular DeFi altcoin that at any rate, is under $0.1 but no longer early on paper. That one is Mutuum Finance (MUTM).

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is developing a non custodial borrowing and lending writing protocol. Put simply, simple cases would be where users provide assets to earn yield, and borrowers provide overcollateralized debts. It is a protocol that is meant to handle rates and risk policies to ensure that liquidity remains intact.

This is relevant to stormy markets. Lending is not a trend. It is a need. The traders borrow to remain in circulation. Others lend to earn yield. In cases where sentiment is shaky, such utility can hold demand steady as compared to meme cycles.

Mutuum Finance has also a definite milestone that grounds the story. As announced by its official sources, V1 is in preparation phase for Sepolia testnet and then this version should be prepared to mainnet, though it is defined as soon. The V1 consists of the Liquidity Pool, mtToken, Debt Token and a Liquidator Bot and the initial assets to be listed as collateral, lent and to be lent are ETH and USDT.

Participation Signals and What the Numbers Suggest

When a smaller project begins trending, social posts are not the first to consider. It is participation. Who is actually positioning. Mutuum Finance has reported having raised $19.6M and approximately 18,700 holders. What is significant about those figures is that they represent a wide base.

It implies that interest is not being generated by a small group of people. It also portends that there are numerous holders who are not only ready to sit through the build, but it is a better indicator than a one week spike.

Selling a story is not the deal in this section. It is about reading the room. The increase in the number of holders, accompanied by a constant funding, is what tends to appear in front of the broader market before a project should be spotted. In the case of crypto investing, that typically is the initial indicator of the larger attention shift.

The trend of the price has been consistent. Phase 1 started at $0.01. Now it is $0.04. It is a 300% increase in stages. Mutuum Finance also cites a planned launch price of $0.06 as the reason why Phase 1 purchasers are set for 500% appreciation post launch at the specific mark. That is a comparison of prices, not an assurance.

During the next stage of crypto, the vital piece of information is a straightforward one. There is a set allocation on each stage. With an increase in demand, the stages are filled quicker and the entry price is increased. That is the reason why intermediate stages tend to seem as a narrower window.

Security and Infrastructure

Lending habits die and meme on security. That is why the security layer of MUTM falls under the change of attention. Mutuum Finance refers to a CertiK scan score of 90/100. It further indicates that Halbon security performed an independent audit of its V1 lending and borrowing protocol. It has mentioned an amount of fifty thousand dollars bug bounty as well. Such watches are not able to eliminate uncertainty, but they may increase confidence among risk-averse users.

On infrastructure, Mutuum Finance specifies plans of oracle that proposes Chainlink style feeds, fallback options, and potential aggregated sources. This is significant as oracles are associated with liquidations and maintain collateral regulations when today crypto prices are rapidly growing.

An overcollateralized stablecoin plan and calldata compression cost reduction are also described by Mutuum Finance. Those are not nice extras. They are indications that the protocol is designed to scale.

For some investors, these kinds of concrete infrastructure plans build trust because they show the team is thinking beyond launch and focusing on long-term usability. Early investor sentiment indicates that this is one reason new participants keep joining, since scaling features can support broader adoption over time. 

In a bullish scenario, projections show that this strengthens the case for a 15x path from the current $0.04 level, which would imply roughly $0.60, as usage and visibility expand through 2026.

The Urgency Window Ahead of Q1 2026

Later construction sites are traditionally changeable. Allocation tightens. There are more of the tokens in determined hands. And the other stage price moves higher. Other commentators in the market opine that this is also where the interest of the whales may be observed, as bigger buyers would like to see the evidence upon which to base their early uncertainty on. The official figures presented so far have not been verified to be exact numbers of whales, so it should be presumed that it is a pattern and not a proven statement.

Now the 15x idea. A 15x move from $0.04 implies about $0.60. Others describe that in the event where V1 delivery is on schedule and it is used upon its introduction, it will be a bullish event. Nothing is certain, but it clarifies why MUTM is being followed as a potential best cheap crypto to invest in currently, with it entering Q1 2026.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Less than a year after launching in Argentina, crypto exchange Coinbase has paused its local fiat operations, suspending peso-based services while continuing to support cryptocurrency trading.

Before implementing this move, it had alerted its users of this intention in a statement published on December 31, 2025. Notably, the firm adopted this decision the same year it received approval to begin its operations in the country.

This sudden decision prompted reporters to contact the firm’s representatives for comment. The spokespersons claimed that they had embraced this move after conducting a review of their performance in the local markets.

They added that, “This is a thoughtful pause that allows us to rethink and improve our strategy so we can come back with a stronger and more sustainable product.”

Coinbase decides to halt its operation in Argentina 

In Argentina, Coinbase focused on key aspects of its regional plans in 2024, developing strategies to enter the market effectively. In January 2025, the company officially announced the launch of its local operations.

Following the current situation, several individuals raised concerns about Coinbase’s sudden decision, with the main question raised in the ecosystem being, “What does this current pause mean?”

In an attempt to answer this question, Coinbase released a statement intended for its users in Argentina. The statement noted that users in the country will no longer be able to access the exchange to purchase or sell the stablecoin USDC using Argentine pesos, the local currency, beginning January 31, 2026. However, it did not disclose the reason behind this decision.

Another thing that the exchange unveiled was that cryptocurrency transactions, such as sending and receiving, will still be accessible to users. To silence the controversy raised in the ecosystem, Coinbase informed the press that it still values Argentina as a crucial market for new ideas. Following this claim, the firm made it clear its intentions to revive its operations in the nation in the future with an enhanced user experience.

The Coinbase team asserted that they seek to achieve their firm’s goal of improving economic freedom by linking the world through blockchain technology. With this goal in mind, Latin America remains a key area of focus.

As discussions continued among individuals, several analysts weighed in on the situation. They pointed out that although Coinbase adopted this move, the decision comes at a time when Argentina has solidified its position as a hub for cryptocurrencies. To support this claim, reports indicate that both local and global firms have recently shown a heightened interest in the Argentine market. 

For instance, Ripio launched the local peso-pegged stablecoin. Nexo, on the other hand, acquired the Buenbit exchange as part of its long-standing aim to expand.

An unexpected power outage in Argentina raises concerns among individuals 

Apart from Coinbase, reports revealed that Bitfarms, a popular Bitcoin mining firm, also halted its Bitcoin mining operations in Argentina, based in Rio Cuarto. The company alleged that the reason behind this decision was an unexpected power outage from its local energy supplier.

This information was published in Bitfarms’ earnings report for the first quarter. In this report, the firm noted that the power supply interruption began on May 12. It resulted from Generación Mediterránea S.A. (GMSA), the company responsible for providing this electricity supply to Bitfarms in Argentina.

The outage occurred shortly after GMSA notified Bitfarms regarding matters related to a financial reorganization process with creditors. At this particular moment, sources highlighted that the team initially vowed to continue offering power supply to the mining company.

Meanwhile, Bitfarms argued that this interruption has caused growing uncertainties concerning when or if power will be restored. Due to these uncertainties, the firm began exploring various alternatives to support operations at the facility. 

It is worth noting that Bitfarms’ operations in Argentina generated approximately $6.9 million in revenue during the first quarter of 2025. This figure contributed approximately 10% of the firm’s total revenue, which amounted to $66.8 million during this period.

In their report, Bitfarms stated that this outage incident left them with no other choice but to halt their cryptocurrency mining operations based in Argentina. After making this claim, the company warned that this situation could significantly impact their operations if not resolved.

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Wall Street’s hot streak might be cooling off. After three years of double-digit gains, financial experts say 2026 could be a lot different.

The big stock indexes just finished their third straight year of impressive returns, but things are getting complicated. Many companies look overpriced, and the economy’s future isn’t as clear anymore. There are still good reasons to be upbeat, but some market watchers aren’t sure stocks can keep rising this fast.

Experts warn the winning streak may be hard to match

“We probably have an OK market, but certainly not what we’ve seen in the last couple years,” said Mark Hackett, chief market strategist at Nationwide.

The S&P 500 climbed 16% last year. A strong economy, fresh interest-rate cuts, and all the buzz around artificial intelligence pushed the benchmark to 39 new records in 2025. The Dow Jones Industrial Average was up 13% while the Nasdaq composite jumped 20%.

Big banks still think the party continues. Bank of America expects the S&P 500 to reach 7,100 by the end of this year—a 3.7% gain from where 2025 closed. JPMorgan Chase says 7,500. Goldman Sachs predicts 7,600.

That kind of across-the-board confidence makes some investors nervous. The S&P 500 has surged roughly 80% from the start of 2023 through New Year’s Eve. That’s a crazy pace that’s tough to keep up under almost any circumstances.

“It behooves investors to at least offer a little skepticism when there is such a broad consensus that everything will go well,” said Steve Sosnick, chief strategist at Interactive Brokers.

This rally is getting old by Wall Street standards. If the S&P 500 rises in 2026 for a fourth year in a row, it would be the longest such streak since 2007, when the benchmark completed a five-year run. Looking back through the index’s history, there have only been five streaks of four or more consecutive years of gains, according to Dow Jones Market Data.

The December jobs report is coming soon, which will give investors their next real look at how the economy’s doing. Big banks, including JPMorgan Chase, Wells Fargo, and Citigroup, will also start reporting earnings in the next few weeks.

Last year’s rally went way beyond stocks. Gold and silver had their best year since 1979. Bonds saw their best showing since 2020. Individual investors jumped back into speculation, creating a new class of meme stocks and driving options trading volumes to records again.

Lower interest rates should help the market this year. The Federal Reserve penciled in one quarter-point cut for 2026, and some expect President Trump’s pick for the next Fed chair after Jerome Powell’s term expires in May will lean more dovish. Tax cuts are also poised to boost corporate coffers.

Warning signs flash as prices climb too high

But there are warning signs that prices have run up too far, too fast. Bitcoin finished last year below $88,000 after sliding more than 30% from its record above $126,000 set in early October. Many of the meme stocks that saw huge swings higher have come down just as quickly.

Some analysts are concerned that the huge gains in artificial-intelligence stocks—which have fueled much of the market’s gains over the past three years—have limited room to run further. A lot of people believe AI will be transformative, but they worry the promised returns on multibillion-dollar investments between the major AI players will be difficult to realize. That could weigh on future gains.

Valuations are looking rich. Companies in the S&P 500 are trading at 22 times their expected earnings over the next 12 months, above their 10-year average of 19 times. Around half of the valuation metrics for the S&P 500 tracked by Bank of America are higher than levels seen in March 2000, near when the dot-com bubble burst.

Still, many expect the economy to hold up and provide fresh fuel for stocks. The U.S. economy stayed resilient last year despite Trump’s tariffs, persistent inflation, and immigration shocks. Americans kept spending, and businesses kept investing mammoth amounts in data centers and other critical parts of AI infrastructure.

Corporate earnings growth is expected to stay robust. Analysts polled by FactSet expect companies in the S&P 500 to report a 15% jump in profits this year, which would mark the highest annual rate of growth since 2021.

“The base case is one in which there is sufficient momentum in the economy,” said Mark Luschini, chief investment strategist at Janney Capital Management.

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The Indian police have released a statement noting that two senior Indian citizens have been duped of more than Rs. 3.2 crore ($355,654) by scammers. According to the statement, the pair lost the funds after the criminals convinced them to invest in a fake crypto and stock trading platform.

The Indian police mentioned that the criminals targeted the residents because of their age, noting that they had little or no knowledge about how crypto worked. The victims were just looking for ways to double their income and make profits, according to the police statement. The first victim filed a complaint alleging that he lost more than Rs. 2.58 crore ($310,000) to the criminals, while the second victim told the police that he lost Rs 63.15 lakh ($76,000) to criminals using the same format.

Senior Indian citizens lose funds to fake crypto investment platforms

According to the complaint filed by the first victim, he was approached by the administrator of a Telegram group after he found himself in a group that he identified as AP Helping Hand India. The administrator introduced himself as Aman Kumar, and he trades stock for a living. The victim claimed that the scammer told him he had several ways to help him make money, but promised to help him make high returns from cryptocurrency arbitrage.

The victim claimed that after he agreed to invest, he paid an initial Rs. 8,500 or $100 registration fee in September 2025. After the payment, he was asked to download Base, a crypto wallet, through a link that was provided to him by the scammers. In addition, he was asked to share his personal and banking details before he began to invest using the application. The Indian police said that after he invested, the scammers took control of his account.

In the statement released by the Indian police, they said the scammers claimed it was the only way they could help him maximize returns on his investments. Police mentioned that the account was operated by one of the fraudsters who claimed he was Ajit Doval, the profit distribution manager of the platform. After a while, the scammers showed the victim a fake dashboard which had an account balance of Rs. 4.55 crore or $5.48 million.

Scammers are now targeting elderly victims

The police mentioned that showing the big balance was a play the scammers run to force the victims into making bigger deposits. Between September 4 and December 27, the victim transferred more than Rs. 2.58 crore or $310,000 to the criminals for investments, taxes, and transaction charges. The problem started after he tried to make multiple withdrawals, and they all failed, even after he paid additional taxes to be able to withdraw the funds.

The victim claimed he confronted the fraudsters after encountering issues with withdrawals, but they asked him to pay an additional Rs. 80 lakh or $96,000 to process the withdrawal. It was then that the victim realized he had been scammed and reported to the Rachakonda cybercrime police. The Indian police claimed they have filed a report under the relevant sections of the BNS along with Sections 66C and 66D of the IT Act.

In the second case, the 69-year-old retired Bank manager lost more than Rs. 63.15 lakh or $76,000 after he was contacted by someone on WhatsApp claiming to be a stockbroker in the United States. Police said the victim was lured into registering on a fake portal and initially invested Rs. 13.56 lakh or $16,300. Subsequently, the victim was asked to pay additional amounts, which drove the entire figure towards Rs. 63.15 or $76,000. After exhausting his entire savings, he realized it was a scam and approached the police.

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The markets tend to reward two things: timing and evidence. Most people miss one of them. They will purchase either too soon when no one starts to build anything or too late, when the move becomes overcrowded. When there is actual advancement on a project and yet priced like a new face, then that is the sweet spot.

Some analysts think that Mutuum Finance (MUTM) is already entering that window at the moment. It remains below $0.045, but it is developing a working DeFi lending product. When that rollout takes off, market observers are saying that it may not be long before the difference between as quiet as a builder and as popular as watched.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is developing a protocol of non custodial lending and borrowing. The core idea is simple. Individuals are providers of assets to generate yield. Overcollateralized loans are handed over to borrowers. The protocol regulates rates and safety guidelines in order to keep liquidity stable.

Mutuum Finance is developing two complementary markets. The former one is pool based lending, commonly referred to as P2C. Depositors are depositing to common pools. Those pools supply liquidity to the borrowers. The rates are pegged to utilization which entails the extent to which the pool is borrowed. At times when there is plenty of liquidity, the rates would remain smaller. As liquidity becomes constrained, the rates increase to demand deposits and spur repayment.

For example, if a pool is only 20% utilized, the supply APY could stay relatively low, such as 2% to 4%, since borrowing demand is light. If utilization rises toward 80% to 90%, borrowing demand becomes intense and supply APY can move higher, such as 8% to 12%, to attract more deposits and balance liquidity. 

In a simple USDT case, a depositor who supplies $1,000 at 3% APY would earn about $30 over a year, but if utilization pushes the supply APY to 10%, the same deposit could earn about $100 over a year, assuming rates stay near those levels.

The second path is P2P. Direct consent of the terms can be agreed by the user. Under some circumstances, Mutuum Finance also stipulates variable rates and selling rates in stable rates borrowing. In most cases, stable-rate mortgages happen to be higher in the beginning as they provide predictability in repayment. The balancing can also be restored to steady rates when the situation in the market changes drastically.

Presale Signals and Supply

There has already been high participation. The Mutuum Finance shows that the project has raised $19.6M, 18,700 holders, and an approximate of 822M tokens sold. That is a significant portion of the Presale distribution already circulating in the market, which is capable of influencing the trading of the token when it reaches the visibility.

Pricing is also shifted in an organized manner. In Phase 1 which started in early 2025, the Presale started at $0.01. It is now $0.04 in Phase 7. That is a 300% rise across phases. Mutuum Finance cites a formal launch at price 0.06, which would put Phase 1 purchasers within 500% of appreciation at the launch marker. 

One of the driving forces of demand is the stage system. Each of the stages is allocated a price and a fixed allocation. The stage will be sold more quickly when the demand is greater, and the price will increase to the following level. This is why MUTM is frequently encountered in case of the search for the most promising cheap crypto to buy today. 

The 500% Path Analysts Discuss

Mutuum Finance (MUTM) is also straining towards a definite point of V1 Protocol delivery. Officially, it will be prepared first on Sepolia testnet and then finalized on mainnet, timings being characterized as predicted to come soon. V1 consists of Liquidity Pool, mtToken, Debt Token and a Liquidator Bot, and the first assets to be lent, borrowed, and pledged are ETH and USDT.

This is another reason analysts monitor this build because of security. Mutuum Finance states that it has a CertiK token scan score of 90/100 and has already undergone an independent audit of its V1 lending and borrowing protocol by Halborn. It has cited a $50k bug bounty as well.

A 500% appreciation from $0.04 implies about $0.24. Some analysts argue that this is a realistic bullish scenario should two occurrences to this happen; V1 progress remains on schedule and post-launch demand grows with increased visibility and actual use.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

After a military operation ousted President Nicolás Maduro, the White House pivoted from drug enforcement to energy interests in Venezuela, with President Trump saying U.S. oil firms would move in to tap the country’s vast reserves.

“We’re going to have our very large United States oil companies, the biggest anywhere in the world, go in, spend billions of dollars, fix the badly broken infrastructure, the oil infrastructure, and start making money for the country,” he said.

Trump’s remarks made clear the real prize: getting U.S. energy firms into a nation sitting on massive oil deposits that have been off-limits for years.

Chevron stands alone as companies weigh risks

Still, convincing companies to rush back into Venezuela won’t be simple. Right now, Chevron stands alone as the single major American oil player operating there and holds the position of the biggest foreign investor in the country. Other executives will need to carefully measure whether conditions on the ground are stable enough to justify the risk in a nation where the oil business has crumbled after more than 20 years of poor management and crooked dealings.

Another hurdle stands in the way of Trump’s push to flood global markets with Venezuela’s thick crude: nobody really wants more oil right now. American oil sits under $60 per barrel, a price point that makes most U.S. producers think twice about new investments. Worldwide supplies keep climbing this year.

“One thing that works against it is the price of oil,” said Ali Moshiri, the former head of Chevron’s operations in Latin America and Africa. “In the environment we’re in, if you’re going to invest, do you put it in the Permian [Basin in the U.S.] or do you put it in Venezuela? That’s going to be a tough choice.”

The government hasn’t spelled out exactly how it plans to bring more American oil companies into Venezuela to ramp up production. People who study the industry say the process might let companies compete for oil and gas territories and wonder if European firms might also get a chance to bid their way into the country.

Chevron put out a statement Saturday saying its main concerns are keeping employees safe and protecting its property in the country. The company and the businesses it partners with have roughly 3,000 workers there.

Venezuela pumps around 900,000 barrels daily this year, with Chevron responsible for about one-third of that total. The crude Venezuela pulls from the ground is heavier and thicker than most oil traded worldwide, but refineries from the American Gulf Coast to China and India can squeeze better profits from it compared to other types, which makes fuel producers eager to get their hands on it.

The U.S. shale revolution created record-breaking oil output, but the light crude American drillers bring up doesn’t perform as well as the heavy stuff from Venezuela, Canada, and Mexico. Venezuela’s government puts its proven oil reserves above 300 billion barrels, which would give it the world’s largest supply if the numbers hold up.

Other large oil corporations potentially interested in going back to Venezuela will almost definitely wait and watch before making moves because the country has a history of seizing oil properties, which happened in the 1970s and again in the 2000s, according to analysts.

ConocoPhillips and Exxon Mobil left Venezuela in 2007 after President Hugo Chávez, at the time, took over their operations. Conoco went to court later seeking more than $20 billion from the Venezuelan government; Exxon asked for $12 billion. Both companies ended up getting small portions of what they lost after long legal fights.

Conoco and Exxon didn’t respond right away when asked for their thoughts.

Rebuilding requires massive effort

Orlando Ochoa, a Caracas-based economist and a visiting fellow at the Oxford Institute for Energy Studies, painted a picture of the enormous challenge ahead in restarting the broken energy sector, which has lost tens of thousands of skilled workers who left the country during Maduro’s rule.

He explained this includes writing a comprehensive economic recovery plan to pull in the money Venezuela desperately requires from international lenders to fix infrastructure and rusty oil equipment. Domestic laws must change to let private energy companies work without government interference, he said. The government also needs to reorganize about $160 billion in debt and settle ongoing legal disputes with foreign companies to persuade them to return.

“What the U.S. needs to do is to implement a form of a Marshall Plan,” said Ochoa, pointing to the economic program that rebuilt Europe after World War II. “This is about much more than coming into the oil and gas sector just to extract crude from the ground.”

One American oil executive who spent years working in Venezuela said the U.S. government might have finished the simple part by pushing Maduro out. But questions remain about whether a temporary government could provide the safety and stability foreign oil companies need before flooding back into Venezuela, the executive noted.

On Saturday, while questions kept coming about how Venezuela’s government would operate and what role America would play, Trump repeatedly returned to talking about the country’s oil.

The reasoning behind the military move showed how the president has consistently seen oil as both war treasure and a tough instrument for showing American strength. Trump has spent years saying the U.S. should have claimed other nations’ oil during military operations in Syria, Libya, and Iraq, either to cover military expenses or to counter rivals’ power.

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United Kingdom prosecutors have moved to seize all assets belonging to Craig Costello, including his houses, cash, and digital assets. Costello is the final member of four Teesside pals who were convicted of running a global drugs ring. Prosecutors mentioned that his bank account and crypto stash grew with dirty cash.

Prosecutors mentioned that he funneled money into several investments in the UK, noting his affinity for digital assets. Initially, the prosecutors had filed a proceeds of crime application over his five-bedroom home, which led to them selling it. In addition, his quad bikes and a number of luxury vehicles have also been confiscated and liquidated under the ruling.

United Kingdom prosecutors want to seize Costello’s assets

The prosecutors mentioned in court that Costello worked alongside his business partners John Watson, Steven Beazley, and Dave Wright, managing the Teesside arm of a global drugs ring between 2015 and 2016. The quartet worked under Stockton drugs baron Jon Moorby, who operated the network alongside Merseyside gangster Lance Kennedy. The pair directed the movement of drugs from Spain and Belgium into the UK.

Prosecutors mentioned that Kennedy organized and controlled an estimated £17 million of cocaine imports into the United Kingdom. The operation led to the inflow of class A drugs across several Channels in chartered helicopters from 2015 to 2016. Couriers also moved the cocaine up to Merseyside from Kent and across the North East. The four-man gang, including Costello, was convicted of conspiracy to supply class A drugs in 2021 after Cleveland police put them under surveillance to gather evidence.

Costello was not present in court during the jury’s verdict, with UK prosecutors mentioning that he had fled the country for the Middle East. He was later taken to court while driving in Amsterdam and brought back to the United Kingdom in 2022 to begin his nine-year sentence. Meanwhile, financial investigators claim that Costello made about £1.6 million in illegal profits. Prosecutors have also identified several payments into his bank account.

Investigators continue to track Costello’s account

The investigators claim that the payments into his account were consistent with drug trafficking profits. They mentioned that they have also traced £4,012.21 worth of Ethereum Classic in Costello’s name, which they claim originated from his drug sales. While prosecutors are zeroing in on the digital assets, it remains to be seen if Costello has some other hidden stash kept somewhere to be retrieved at a later date.

The exact amount to be seized from Costello has yet to be settled due to the proceeds from the sale of his house not being finalized between him and his former partner, Victoria Costello, who initiated divorce proceedings after he was sent to prison. Paperwork from the proceeds of crime application showed that the equity in the house is £107,722. The outstanding mortgage owed to the Royal Bank of Scotland and a debt to the government agency had been settled.

The separated couple attended the Durham Crown Court last month, where prosecutor Steve McNally mentioned that Mrs Costello is claiming to have paid cash as part of the deposit on the home when it was originally bought. The CPS has paused the former couple’s divorce proceedings until the finances are settled.

According to reports, the convicted drug trafficker has been found to have more than £137,577 in cash and assets available to be confiscated by the authorities. A Judge is expected to sign the confiscation order early this year. Costello’s former drug pals also had their proceeds of crime applications finalized some time ago. John Watson, Dave Wright, and Steven Beazley paid back less than £300,000 from a £4 million profit.

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At the time when the market appears to be divided, investors begin searching simultaneously, in both directions. They have a small number of big caps to hold on, yet they also go in search of a smaller Altcoin which can still have an unexpectedly better side to the upside. This explains why next big crypto talk usually spikes at tokens less than 0.1. When a project is actually underway and there is an usher-in route, the shift of attention may be high-speed.

Certain observers consider that Mutuum Finance (MUTM) would be appropriate for such an arrangement at present. It is also not completely deployed on mainnet, but is no longer a secret concept either. It is in that in-between place where 20x conversations are likely to begin.

Presale That Pushes Momentum

In phase 7, Mutuum Finance (MUTM) is priced at $0.04. The presale has been held in the format of a system of stages, and the stage includes a predetermined price and a predetermined number of tokens. Having a higher demand, a given stage will be filled quicker, and the price will be advanced.

The project shows it raised $19.6M and had approximately 18,700 holders and sold approximately 822M tokens, up to now.  The pricing trend is also narrated. The initial price of Mutuum Finance was $0.01 in Phase 1, and now to $ 0.04 in presale Phase 7. That is a 300% rise across phases. An official launch price is also mentioned in Mutuum Finance and is $0.06.

What is Mutuum Finance (MUTM) Developing

Mutuum Finance is developing a non custodial protocol of lending and borrowing. The point of focus is dual lending markets. Users are able to lend in a shared pool format and also to avail direct lending terms between users. That is important since it is compatible with various forms of demand as the protocol expands.

One more primary entity is mtTokens. When assets get provided by users, that position is represented by mtTokens. These tokens are set for earnings over time. To customers of the DeFi, this is the way which lending would be easy to monitor as well as being easy to navigate.

Also included is the trend story of security. Mutuum Finance uses a CertiK token scan of 90/100 and that an independent audit of its V1 lending and borrowing protocol was performed by Halborn. It has also mentioned a bug bounty of $50k, which is an indicator of added testing before broader implementation.

V1 Timing and Phase Speed 

Per official statements by Mutuum Finance, V1 is being tested in Sepolia testnet and then designed to work on mainnet, and it is stated that it will be launched soon. V1 encompasses such integral elements as the Liquidity Pool, mtToken, Debt Token, and a Liquidator Bot, with initial assets of lending, borrowing as well as collateral being ETH and USDT.

Your Phase 6 quick selling and whale allocations were also asked about. This is the clean version of putting it without number inventions. The presale proceeded out of Phase 6 with a price of $0.035 to Phase 7 with a price of $0.04 and subsequent phases tend to move rapidly due to increase in attention as delivery approaches. 

According to some market commentators, bigger buyers are likely to show up in such late stages as they want to see more than they worry. Nonetheless, precise numbers of whale transactions have not been framed in the official statistics that have been made available to date. In a bullish scenario, projections show that a 5x increase from Phase 7’s $0.04 level would place MUTM around $0.20, while a 7x move would imply about $0.28.

That is why the present moment is important. Provided that V1 growth continues to be linear and stage distributions continue to become tighter, the transition to the presale token to a widely-followed Altcoin might become fast as Q1 2026 gets closer.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance