Cryptopolitan

この急速に変化する暗号通貨市場では、すべての鋭い投資家が自分の資金を投資する次の大きな暗号通貨を探しています。このリストで最もトレンドになっている暗号通貨の1つがMutuum Finance（MUTM）です。フェーズ6のプレセールでわずか$0.035で、MUTMは市場の投機家たちが他の人よりも早く有望なDeFi投資のエントリーを求めている次の大きな暗号通貨として注目を集めています。イーサリアム（ETH）がすでに分散型スペースでリードしており、機関投資家に好まれている一方で、アナリストたちはMUTMが12月のサプライズリーダーになる可能性が高いと指摘しています。なぜなら、すでに完全なロードマップの上に非常に革新的なトークノミクスを誇っているからです。

USD1 increased its supply by over 45M tokens, expanding to 2.79B tokens. The stablecoin has joined the Binance ecosystem with a 20% yield product. 

USD1 expanded its supply in the past day, just after adding another yield product in the Binance ecosystem. The new supply entered the market just as USD1 was added to the Binance Booster program. 

The program is limited to 50,000 USD1 deposits and offers a 20% annualized yield. The yield is part of Binance’s usual Earn program, with a special addition of USD1. 

The stablecoin, minted by World Liberty Fi, will have a limited period for subscriptions, running from December 24 to January 23, 2026. 

USD1 is represented on Binance through the USD1/USDT pair. Additionally, Binance has suggested users can acquire the token through the P2P Express market. Existing holders can deposit the USD1 into their Binance account. 

Will USD1 expand its influence? 

USD1 already has most of its supply active on the BNB Chain, with an even higher total float of over $2.85B. The token has been added to multiple DeFi protocols, though with a much lower APY. 

The stablecoin is already active and can gain yield through PancakeSwap, Uniswap, and Venus Protocol. However, the addition to Binance’s official yield program will give the token more exposure. 

Just after the new token mint, USD1 trading volumes also grew to a one-month peak. The newly injected supply coincided with sudden investor interest, with $1.39B in daily volumes. 

USD1 expanded its supply by over 45M tokens, with a spike in trading activity. Over $150M in buy orders were placed on the Binance USD1/USDT pair just after announcing the 20% yield product. | Source: CoinGecko.

On the USD1/USDT pair on Binance, more than $150M in buying volume emerged after the announcement. The centralized exchange also has the biggest share of USD1 spot trading. The increased trading interest is considered a signal of demand for secure yield. 

Yield-bearing stablecoins are becoming one of the staples in the crypto market. Large-scale investors and institutions have abandoned most other risky narratives, instead choosing the most liquid ecosystems. 

Can WLFI make a comeback? 

The increased influence of USD1 sparked a discussion on the eventual growth of the World Liberty Fi project. The platform is expected to launch an app in early 2026, potentially reviving the WLFI token. 

Before the latest yield product launch, USD1 was widely used in meme token pairs in the Binance ecosystem. For a brief period, those pairs were one of the liveliest meme token hubs. The extremely volatile behavior of memes led to a withdrawal of users. Now, USD1 may be used in a much more predictable way, with yield accrued daily into user accounts. 

As of December 24, WLFI tokens traded above $0.13, up from a local low of $0.12 in the past week. WLFI has not been instrumental to the ecosystem, and did not rise even after World Liberty Fi added buybacks. 

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スペインは2026年にデジタル通貨を完全に受け入れることができる、政府の指令に従い、2つのプロクリプトの欧州連合フレームワーク、MiCAとDAC8を実施する予定です。

地元のニュース出版物は水曜日に、スペイン当局が欧州基準に沿った暗号規制の国家フレームワークを作成していると報じました。これは暗号資産規制（MiCA）と、行政協力指令（DAC8）の発効に関するものです。

これら2つの措置により、税務当局の暗号資産に対する権限が拡大し、ユーザーおよび仮想資産サービス提供者（VASP）に対する報告要件が追加されます。

年末に向けて暗号市場の全体的なトレンドが深く進展する中、投資家たちは12月が終わる前に購入するのに最適な暗号通貨を探しています。現在、購入するのに最適な暗号通貨を探している多くの市場参加者にとって、短期的なモメンタムと長期的なファンダメンタルを兼ね備えた潜在的なトップ暗号通貨を特定することが優先事項となっています。短期投資と長期的な可能性の両方で注目を集めている非常に異なる3つの暗号通貨には、ドージコイン（DOGE）が含まれています。ドージコインは、注目を集め続けるだけでなく、サポートと非常に魅力的なテクニカルチャートを通じて関心を高めています。もう一つは、シバイヌ（SHIB）で、エコシステム内での継続的なサポートと開発を通じて、また強力なブランド認知に引き寄せられ続けるトレーダーからの新たなサポートを通じて注目を集めています。

ビットコインの記録的な$126,000のピークは、インフレに対して測定されたときに心理的に重要な$100,000のレベルを突破できなかったと、Galaxy Digitalの研究責任者アレックス・ソーンは言っています。

ソーンは、ビットコインの10月の史上最高値が6桁であり、2020年のドル基準でインフレ調整を行うと、1コインあたりわずか$99,848になると述べています。「2020年のドルを使ってビットコインの価格をインフレ調整すると、BTCは$100,000を超えたことがなく、実際には2020年のドル換算で$99,848が最高値でした。信じられますか？」と彼は火曜日の遅くにXに書きました。

The Nasdaq-listed company that holds Bitcoin as a treasury asset has been warned by the exchange that it risks losing its listing after its share price traded below the required threshold for over a month.

ZOOZ Strategy Ltd disclosed on Monday it received a notification letter from Nasdaq’s Listing Qualifications Department dated December 16. The letter informed ZOOZ that it is no longer compliant with Nasdaq Listing Rule 5550(a)(2), which requires a minimum bid price of $1.00 per share on the Capital Market.

Nasdaq said the company’s common stock failed to maintain the required bid price, and ZOOZ has until June 15, 2026, to take its shares close at or above $1.00 for at least 10 consecutive trading sessions or it will be removed from the exchange.

US-Israeli listed Bitcoin DAT to use ‘available options’ to drive stock price up

ZOOZ Strategy, which is also listed on the Tel Aviv Stock Exchange, said it is monitoring the situation and is looking at its options if its share price does not recover within the compliance window. The company mentioned one option under consideration is a reverse share split, which could lift their share price without changing overall market capitalization.

According to Google Finance data, ZOOZ’s stock has been posting losses for the better part of 2025, tanking by over 84% in the last 12 months. On the Tel Aviv Stock Exchange, ZOOZ shares were changing hands at ILA 127.00, down 2.08% on the day. Over the past five days, the stock fell 4.51%, while its six-month performance spells a decline of more than 50%.

Looking at its year-to-date figures, the Bitcoin DAT’s shares are down 82% with a 52-week high of just $5 reached in July. ZOOZ’s financial results for the year ending in June garnered a revenue of $123,500, a year-over-year drop of more than 54%. 

Operating expenses rose by about 5% to $2.65 million, while net income was deeply in the negative column with a loss of $3.52 million. The company is reported to hold a total of 1,036 bitcoins, equivalent to $90 million at current prices.

KindlyMD and Nakamoto holdings face similar Nasdaq predicament

Just less than a week ago, Bitcoin treasury firm KindlyMD disclosed that it had also received a price-deficiency notice from Nasdaq. The healthcare data company turned digital asset treasury’s shares also traded below the $1.00 mark for 30 consecutive trading days after slipping down the level for the first time this year in early October.

KindlyMD was created through a reverse takeover in August by Nakamoto, a Bitcoin-focused holding company founded by David Bailey. The transaction preserved the KindlyMD corporate name while changing the stock ticker, and its shares surged to record highs when the takeover was first announced in May. 

Per regulatory filings cited in Cryptopolitan’s report, KindlyMD said it plans to monitor its stock price and consider available options, but critics of the digital asset treasury model believe the firm should sell a portion of its  5,398 bitcoins to stabilize its business and improve NAKA’s share price.

After the receipt of the Nasdaq notice, Nakamoto authorized a $10 million share repurchase program last week, which is 40% of the $24 million in cash and cash equivalents the firm reported as of September 30. 

ETHZilla abandons digital asset treasury strategy

While ZOOZ and KindlyMD work to preserve their Nasdaq listings, ETH treasury company ETHZilla announced on Monday its exit from the business model by selling $74.5 million worth of its crypto holdings.

The company said it sold Ether to reduce debt and “believes its value will be driven by revenue and cash flow growth from RWA tokenization business.” ETHZilla said it is discontinuing the mNAV dashboard on its website effective immediately, although it will still provide periodic balance sheet updates to investors.

Less than six months ago, ETHZilla had transitioned into an Ethereum-based digital asset treasury joining several firms accumulating crypto assets as long-term holdings. The Peter Thiel-backed company said it currently holds 69,802 coins, valued at approximately $207 million after the recent asset sales.

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マタドールテクノロジーズは、最大8000万カナダドル、または約5800万ドルの株式を発行することが許可され、2026年までに1000ビットコインの保有能力を持つ計画を加速するためのステップです。

会社は月曜日に、オンタリオ証券委員会が一般株式、ワラント、サブスクリプションレシート、債券、またはユニットを今後25か月間発行することを承認したと確認しました。

会社は、5800万ドルの基本シェルフ目論見書が戦略的なビットコイン購入と一般的な企業ニーズの両方を資金調達するために設計されていると述べ、マタドールがタイミングと価格設定の面で規律を保ちながら効率的に資本にアクセスできるようにし、長期的なビットコイン戦略の一環としていると述べました。「我々のCAD $80百万の基本シェルフ目論見書の受領を得ることは、資本構造を成熟させるための重要なステップです」とマタドールのCEOであるデヴェン・ソニは言いました。

A new orchestral project in Brazil aims to transform Bitcoin’s price data into live music. Sources close to the situation noted that this project was permitted to collect funds through one of the country’s programs, which offers tax incentives for cultural projects. 

Brazil’s Federal Register revealed that this approval process enabled the initiative to raise approximately 1.09 million reais, equivalent to around $197,000. These funds were primarily collected from private firms and individual donors to develop an instrumental concert that utilizes financial data to compose music, incorporating ideas generated from art, mathematics, economics, and physics. 

Nonetheless, sources pointed out that this news did not disclose whether any blockchain technology would be involved in the performance. It was mentioned that the concert will take place in Brasília, Brazil’s modern, planned federal capital.

Brazil takes a different approach in the crypto industry 

Just recently, reports noted that the new orchestral project description has been released. In this project description, it was revealed that the initiative will utilize an algorithm that enables it to transform monetary numerals into musical notation easily. This process will be made possible by monitoring the price shifts of Bitcoin and related technical data in real-time during the show. 

These data inputs are essential in this show as they help shape melody, rhythm, and harmony while the orchestra executes the live performance.

Additionally, this method aims to provide individuals with an auditory experience of BTC’s fluctuations by transforming market sentiment into music, blending traditional orchestral instruments with data-inspired compositions.

Meanwhile, sources familiar with the situation stated that the approval confirmed the newly adopted initiative meets the requirements of Brazil’s Rouanet Law and marks the completion of a technical review, permitting sponsors to deduct their donations from taxes effectively.

Following this statement, individuals in the crypto ecosystem ignited heated discussions. To address this controversy, Brazilian officials attempted to explain that the new orchestral project falls under the “Instrumental Music” category, which, according to their argument, affects the application process for tax benefits. They also pointed out that the fundraising is scheduled to conclude by December 31.

On the other hand, several analysts decided to weigh in on the topic of discussion. They argued that such a project builds upon previous experiments in algorithmic art that have employed crypto-related and other real-world data as inspiration for innovative works.

Brazil secures recognition of programmable digital art that responds to BTC’s price changes

A group in San Francisco, primarily focused on programmable digital art, launched a piece in 2020. This piece adapted its appearance in response to the price fluctuations of Bitcoin.

This initiative was known as Right Place & Right Time by artist Matt Kane. It utilized the cryptocurrency’s live market data to prevent fluctuations in Bitcoin’s value from altering the artwork’s visuals.

Notably, this work was introduced via Async Art, a blockchain platform for programmable, interactive digital art (NFTs). At that time, Kane arranged the artwork into a main “Master” image, consisting of several separate layers. Each layer responded to the price movement of BTC, with data changes greatly impacting aspects such as size, rotation, and positioning with time. 

Additionally, sources identified another artist in a similar field. This artist was called Refik Anadol. He reportedly utilized AI, algorithms, and large datasets to create immersive installations. 

These installations could transform various sources, such as environmental details and historical records, into visual art that changes over time.

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Cryptomarket can be described as cyclic, with focus rapidly changing. Large altcoins slow down. Liquidity seeks the following place to expand. During such times, there are projects, which begin to slowly crawl before they can even be known to the rest of the market. Such a trend has already established itself around a single fresh DeFi crypto that has already risen over 250% when some of the most popular altcoins are performing flat or poorly. The large holder’s early positioning is attracting more attention with allocation currently standing at more than 99%.

A Yield and Risk Control Lending Model

Mutuum Finance (MUTM) is a developing crypto DeFi, which is based on lending and borrowing. Fundamentally, the protocol enables the users to provide assets and obtain yield, and borrowers to obtain liquidity by placing collatorals. On the P2C side consumers inject funds into pools and gain APY according to actual borrowing demand. To illustrate this, a reliable supplier of assets can issue yield, which will change with usage, rather than speculation.

Borrowers on the P2P side are presented directly with terms of lending. The lending to value ratios are set in advance. There are liquidation cutoffs. In the case where the borrower has surpassed the stipulated LTV, collateral may be sold to secure the lenders. These mechanics are used to take away the unexpected shocks, and preserve stability of the system.

Exposure to presale activity has also contributed significantly to the initial development in tandem with the protocol design. The token has done so by increasing the phases in a structured way and has increased by about 250% since its entry level was significantly low. Demand has not been frenzied but steady which is usually an indicator of buildup and not of short term speculation.

The Next Transition Point, V1 Launch and Security

It is no wonder analysts are keeping a close eye on MUTM, and timing of this case is one of the reasons. The protocol is currently looking to undergo its V1 release that will bring it out of the development stage to active use. Most DeFi crypto projects traditionally start to reprice as soon as the users are able to borrow, lend, and interoperate on chain.

Another big concern has been security. Mutuum Finance has completed a CertiK token scan with excellent rating and full Halborn security review is underway. Another level of protection is included by a bug bounty program. Such measures are important since the lending procedures pertain to direct use of user funds. Serious capital usually holds down its investments until it has the green flag.

According to this arrangement, there can be a conservative price model in which some analysts suggest that MUTM may experience a 3x move on its current price once the first step to V1 adoption takes place. This perception is linked to increase in usage, and not market hype.

mtTokens and Oracle Infrastructure

The major characteristic of this protocol is the mtTokens. Upon the supply of assets, the users are given the mtTokens that reflect their voting power in the pools. These tokens increase in value when borrowers pay interests. This establishes the reason to hold other than trade short term.

The other factor is the buy and distribute model. Protocol revenue is partially spent on purchasing MUTM tokens at the open market and allocating them to the holders of the mtTokens. This forms continuous pressure of buying which is directly related to use.

The role of oracles is also here. There is a need for accurate price feeds to handle LTV ratios and liquidations. Quality oracle data assists in safeguarding the system and has the lending activity foreseeable.

In these mechanics put together, analysts describe a more positive picture in which long-term protocol usage would help justify a 5x-7x long-term growth. In this model, there is an assumption that there is a smooth increase in demand for borrowing, but not abrupt increases.

Why MUTM is compared to Early Aave

Other observers liken Mutuum Finance to the early Aave, not in scale, but in form and in time. Aave succeeded through prioritizing loans before rolling out functions subsequently. It focused on definite regulations, stable interests paying, and excellent security before the mass media coverage came into play.

The same applies to Mutuum Finance. It is in its infancy stage. There are reduced liquidity requirements. Price elasticity is in large measure. Meanwhile, the protocol is constructed with actual DeFi use as opposed to narrative hype.

This is what has made MUTM to be referred to as a fresh crypto with asymmetric upside. It does not need huge inflows to transfer. It is also not reliant on social trends to operate.

Allocation thumbs 99% and bigger holders move in is still being shifted into as attention shifts. Although most leading altcoins have a hard time getting a fresh wave, this crypto DeFi is at the point in which the structure, usage, and timing are starting to cooperate.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

連邦裁判所は、テキサス州の法律を止めました。この法律は、アプリストアがユーザーの年齢を確認することを強制するもので、ユーザーがアプリをダウンロードする前に確認が必要でした。この法律は1月1日から施行される予定でした。

ロバート・ピットマン判事は、テキサス州アプリストア責任法（SB 2420）が発効するのを止める命令を出しました。彼は、この法律は「すべての書店が、ドアでのすべての顧客の年齢を確認し、未成年者には親の同意を求めることを要求するようなものである」と書いています。

ボリビアのロドリゴ・パズ大統領は火曜日に、いくつかの大手アメリカのテクノロジー企業が近く、国への投資計画を発表する予定であると発表しました。

オンラインで開催された記者会見で、パズ氏はテスラ、アマゾン、オラクルの企業代表者が1月にボリビアを訪れ、彼らの技術投資についての詳細を共有する予定であると述べました。計画にはエルアルトとコチャバンバにデータセンターを建設することが含まれています。

外務大臣フェルナンド・アラマヨはウォールストリートジャーナルに対し、彼の政府がトランプ政権からの財政支援を求めており、国の大規模なリチウム埋蔵量を外部投資家に開放したいと考えていると述べました。

アップルは記録的な販売と歴史的な市場価値で素晴らしい年を締めくくりましたが、テクノロジーの巨人は今、将来の方向性を再構築する可能性のあるリーダーシップの退職の波を管理しています。

iPhoneメーカーは、今年だけでサービス部門から1092億ドルを獲得し、総資産が4兆ドルを超えました。これにより、アップルはそのマークに到達した2番目の企業となり、エクスクルーシブクラブに参加することになりました。しかし、裏では、いくつかの重要な幹部が退職しようとしています。

最高財務責任者として務めていたジェフ・ウィリアムズが、会社を退職しました。彼の退職は重要で、アップル内部の多くの人々が、ティム・クックの後任として最有力候補だと見なしていたからです。もう2人の長年のリーダーも退職しようとしています。政府関係を担当しているリサ・ジャクソンは、1月下旬に退職する予定です。会社の最高顧問であるケイト・アダムスは、2026年末に退職します。

クリス・ケリー、元フェイスブックの幹部は、人工知能産業が全国に巨大なデータセンターを構築する中で、どのようにして電力を少なく使うかを考える必要があると述べています。

クリス・ケリーは、フェイスブックの最高プライバシー責任者兼法務顧問であり、火曜日にCNBCに対し、AIをより効率的にすることが今後重要になると述べました。彼は、人間の脳はわずか20ワットの電力で動いていると指摘しました。AI企業は数十億ワットを必要とする施設を構築しています。

「効率を見つけることが大きなAIプレイヤーが注目する重要なことの一つになると思います」とケリーは言いました。データセンターコストを削減する方法を見つけた企業が先に立つと彼は信じています。

Big crypto wallets cannot move arbitrarily. The whale accumulation in the past cycles has been seen to take place in the late allocation stages where the risk is lesser than the pricing has adjusted. Retail investors are not usually aware of this stage. At this moment, there is an Ethereum based DeFi crypto that seems to be going through that window, and more and more people start being busy as certain things get harder and harder to get.

Mutuum Finance (MUTM) Current State

Mutuum Finance (MUTM) is selling at the present value of $0.035 in presale. The project is at Phase 6 of the allocation cycle and the stage is currently being allocated with more than 99%. The official launching price is $0.06, which is significantly lower than future reference price.

MUTM has left its early presale launch position of $0.01 and is currently being sold at $0.035 since then, when the project was publicly distributed in early 2025. That represents a 250% growth to date. 

Simultaneously, the project has collected approximately $19.4M USD and increased the number of its investors up to over 18,600 holders. These numbers indicate stable involvement as opposed to dramatic attention which is usually an indication of positioning over a longer period of time.

What is Mutuum Finance (MUTM) Building

Mutuum Finance is finding a way of developing a dual lending protocol achieved by borrowing and lending in a structured mechanism. Users are allowed to deposit assets in lending pools and get stakes in the form of mtTokens. These mtTokens are considered to be the ownership of the provided liquidity and their value increases as the interest is paid by the borrowers.

Another model applied in the protocol is the buy and distribute model. Part of the protocol revenue is invested in the purchase of MUTM tokens in the market and allocating it to the owners of the mtTokens. This establishes a direct correlation between the use of protocols and the demand of tokens, and it is highly viewed by many analysts as more sustainable as compared to the speculative demand only.

The design also involves security. Mutuum Finance has undergone a CertiK token scan of 90 out of 100. Moreover, Halborn security is in the process of scrutinizing the contracts regarding lending and borrowing. There is a live bug bounty program with a $50k reward with the aim of detecting the code vulnerability early.

Price Outlook and Stablecoin Plans

In the future, Mutuum Finance will launch a protocol stablecoin and implement powerful oracle infrastructure. Chaininglink data feeds, fallback solutions, and aggregation oracle solutions are expected to be used in the roadmap. These factors play a fundamental role in proper pricing, secure liquidations, and dependable lending business.

Other analysts feel that in case the protocol is successful in launching V1 and starts creating lending volume, MUTM can experience multi stage repricing. It is projected that in a conservative scenario, analysts propose that the 2x move will be made at the current levels during the forming of utility expectations. In a more aggressive scenario, linked to long-term usage and recycling of deal revenues, 4x to 6x forecasts have been considered. These opinions are questionable and will be dependent on the execution and market conditions.

What’s Next?

Mutuum finance intends to release its V1 to Sepolia testnet in Q4 2025 according to official updates about X. The change of the development to active testing is marked. This is the period in history when most of the DeFi crypto projects start to get more capital.

There is yet another layer of urgency of phase 6 selling out quickly. The new demands have to fight over the remaining tokens as it restricts allocation. The recent news of 6 figure allocations of whales indicate that not all large investors are willing to wait till the start of the Phase 7 pricing.

As card payments become functional, as does a daily participation-based 24 hour leader board, and security review checks are approaching 100, Mutuum Finance is entering an even more noticeable phase. A large number of market commentators believe that this confluence of declining supply, future utility, and infrastructure preparedness is the reason why whales are hoarding today.

Among the investors monitoring the potential best crypto and the top crypto narratives developing before 2026, MUTM is becoming one of the assets that are being asymmetrically positioned at its current stage.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Payment companies raised $6.2 billion in 2025, a meteoric rise from the $540 million raised in 2024, as investors bet on blockchain-based financial infrastructure replacing traditional settlement systems.

The raises, which represent more than a 1,000% increase from the previous year, were led by stablecoin issuer Circle’s $1.05 billion initial public offering (IPO).

Circle, Figure, Ripple, Tempo, and Rapyd were responsible for more than half of the year’s total funding, after collectively raising around $3.6 billion through public markets and private rounds, respectively.

How much did payment IPOs raise in 2025?

Circle’s June IPO priced shares at $31, securing an $8.06 billion valuation backed by 15 investment banks, including JP Morgan, Citigroup, and Goldman Sachs. The company, which issues USDC, the second-largest stablecoin by market capitalization, saw its share price rise to over $123 at some point on the day of its IPO.

Figure, a blockchain-based lending platform, raised $1 billion through its September IPO, valuing the company at $7.6 billion. The firm has facilitated more than $17 billion in home equity lending across the United States, with Sixth Street investing $200 million of equity capital with recycling capability for future loan production in February 2025.

Ripple completed a $500 million round at a $40 billion valuation, led by funds managed by affiliates of Fortress Investment Group, Citadel Securities, Brevan Howard, Pantera Capital, Galaxy Digital, and Marshall Wace.

Rapyd, which acquired fintech company PayU, raised $500 million earlier in the year, partly from equity and debt.

How much did companies raise in December?

The year’s closing weeks saw continued appetite for payment infrastructure investments. RedotPay, a stablecoin payments platform, raised $107 million in Series B funding led by Goodwater Capital with participation from Pantera Capital, Blockchain Capital, and Circle Ventures.

The company processes more than $10 billion in annualized payment volume, nearly tripling year over year, while generating over $150 million in annualized revenue and operating profitably.

According to data compiled by Alex Obchakevich, a payments data scientist at Polygon, more than 20 companies secured significant funding rounds beyond the top three.

Tempo also raised $500 million in a round led by Thrive Capital and Greenoaks, while AlloyX secured $350 million, and Rail Financial and Moonpay each obtained $200 million.

Observers believe that investors are emboldened by the current pro-cryptocurrency posture of the Trump-led White House, which signed into law the GENIUS Act.

Which networks led stablecoin payments in 2025?

Beyond capital raises, 2025 saw more development of payment-focused blockchain infrastructure. Obchakevich pointed out that more than 35 blockchain networks identify Ethereum, Polygon, Solana, and Base as top-tier payment chains, citing partnerships with Stripe, Visa, Mastercard, PayPal, and Revolut, among others.

He also spotlighted Tempo, Plasma, and Arc, calling them “part of a new wave of stablecoin infrastructures” that emerged specifically to optimize global payments and settlements using stablecoins. He placed all of them in the S-tier.

Tron and Ripple remain fundamentally important for payment projects, with Tron processing more than half of all USDT stablecoin transactions globally.

Meanwhile, Celo has made significant contributions to stablecoin payments in Africa and Asia through projects such as MiniPay and Noah. Obchakevich placed Tron and Ripple in the A-tier and also categorized others that have emerged in the ecosystem in the group, with some in tier B, C, and finally D.

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Gnosis Chainは、2025年11月のBalancer V2の脆弱性により凍結された約940万ドルの資金を回収するためにハードフォークを実行したことを確認しました。ハードフォークは2025年12月22日に有効化され、発表は翌日、公式のGnosis Chainアカウントを通じて行われました。

Gnosis ChainのXページに投稿された公式発表によると、ハードフォークは既に有効化され、資金はもはやハッカーの管理下にはありません。合意を確保するために、投稿は残っているすべてのノードオペレーターに対して、ペナルティを避けるための行動を促しました。

大きな暗号通貨のブレイクアウトは、私たち全員が注目しているときにはほとんど始まりません。プロジェクトがコア開発に入っており、実際の使用に近づく可能性が高い早い段階で作成される傾向があります。低いレベルで集中し始める段階です。EthereumベースのDeFi暗号の一つが、そのゾーンに入ろうとしており、2026年第1四半期が近づくにつれて現在の段階はほぼ完了しているように見えます。

Mutuum Finance (MUTM)

Mutuum Financeは、貸付と借入を専門とするDeFi暗号です。このフローは、一時的な流行ではなく、実際の使用のサポートで作成されます。ユーザーは担保を使用して借入れ、資産を貸し出し、透明なガイドラインの下で利回りを得ることができます。

Top officials at the Federal Reserve are now taking into account how artificial intelligence might boost worker output as they map out future economic conditions, a shift that could reshape how the central bank approaches interest rates and employment targets.

Fed Chair Jerome Powell touched on this issue during his press briefing in December. Looking back at previous technology waves, he noted that past innovations brought more jobs and better pay despite initial concerns. However, he said the outcome with AI remains unknown.

Research suggests these new AI tools, especially those that generate content, could significantly change both how much workers produce and the makeup of the job market itself. Two economists studying this issue created different models to see what might happen. Ping Wang from Washington University in St. Louis and Tsz-Nga Wong from the Richmond Federal Reserve Bank mapped out several possibilities.

Dramatic productivity scenarios take shape

Their most dramatic scenario assumes AI reaches full development over several decades. Under those conditions, about 23% of workers would lose their jobs, but those still working would produce three to four times more than they do now.

Wang explained that over the coming ten years, output per worker might climb roughly 7 percent each year. He stressed this represents one possible path, not a guaranteed outcome. The technology’s ability to learn and improve as people use it drives these potential gains, he said. Workers can also figure out better ways to use AI and customize it for their specific needs, leading to major productivity jumps.

These changes could affect how the Fed pursues its two main goals: keeping people employed and preventing prices from rising too fast. In December, the committee that sets interest rates predicted the benchmark rate would settle around 3 percent in the long term. Economists at the Cleveland Fed said this would be somewhat loose compared to a neutral rate of 3.7 percent.

Data center investment boom draws comparisons to 1990s

Some market watchers see parallels between today’s rush to build data centers and the 1990s spending spree on network equipment. Dan Tolomay, who oversees investments at Trust Company of the South, said rising valuations make him more cautious about returns going forward.

Vice Chair Philip Jefferson addressed college students in Germany this November about AI’s rapid spread. He said ChatGPT now has 800 million people using it each week, up from 500 million at the end of March. A recent study found that 45.9 percent of American workers were using generative AI at their jobs by June and July, compared to 30.1 percent last December. About one-third of those who adopted the tools use them daily.

The study showed AI use is highest among younger workers with more education and higher pay. Those workers saw substantial productivity increases when they used the tools.

Research by Stanford economist Erik Brynjolfsson found AI tools helped customer support workers resolve 14 percent more issues per hour. The gains were even larger for newer employees with less experience.

In scientific work, an AI system called AlphaFold changed protein research dramatically. Five years ago, scientists understood the structures of only 17 percent of the roughly 20,000 proteins in human bodies. Each discovery took months or years and could cost tens of thousands of dollars. AlphaFold now predicts structures for all human proteins plus 200 million more.

AI could match historic innovations

Jefferson said AI might prove as transformative as the printing press, steam engine, or internet. But he cautioned that figuring out AI’s effect on jobs and prices remains difficult. While the technology could replace some workers, it might also create new job types and boost overall economic growth.

On prices, Jefferson said increased productivity could lower costs and reduce inflation. But AI could also push certain prices higher as companies compete for skilled workers and build energy-hungry data centers.

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長期的な暗号資産の利益は、最も興奮している時に購入することで達成されることはほとんどありません。通常、プロジェクトが構築モードから実行に移行し、価格が適切に調整されていないときに発生します。これはほとんどの投資家が見落とす段階です。早すぎると高リスクを意味します。遅すぎると、あまり上昇の余地がありません。現在、その中間ゾーンを占めるいくつかのDeFiプロジェクトがあります。このウィンドウが狭まるにつれて、単一のEthereumベースのアルトコインがいくらかの地盤を得ています。

Mutuum Finance (MUTM) が構築しているもの