Cryptopolitan

US President Donald Trump stated that he was pleased with the decision to impose tariffs. According to him, this move has consequently yielded considerable wealth for the United States.

Nonetheless, market indicators revealed that investors expressed their belief that there will be no reduction in the Federal Reserve’s interest rates in the near future. This message was initially posted on Trump’s Truth Social, where he related tariffs to improved national security and economic prosperity. The president also noted that the trade deficit in the US markets has drastically declined and that the country’s economy is expanding without encountering inflationary pressures. 

Trump praises his decision on tariffs as a significant milestone for the US

Trump referred to tariffs as a game-changer for the US economy. He claimed that tariffs had led to the nation’s dramatic economic growth, the creation of general economic confidence, and the restoration of the nation’s international respectability.

He made this statement at a moment when economic futures heavily influence the outlook of financial markets. Another reliable source highlighted that the US government plans on adjusting some of Trump’s tariff frameworks.

However, even with this situation in place, sources claim that the overall market sentiment appears to take a different approach to the matter. This finding was noted after Polymarket forecasts centered on a decision made by the Federal Reserve in January showed just a 14% likelihood of an interest rate cut occurring. These results suggested an 85% chance among traders that interest rates will be maintained steady at the next meeting.

These very low odds of a significant interest rate reduction led analysts to conclude that the situation demonstrates more caution than optimism. In the meantime, as Trump views trade and production as a great milestone for the country, investors have raised concerns about inflation and growing uncertainties surrounding the economy. 

Following this report, sources mentioned that investors responded similarly earlier when the cryptocurrency market surged after Trump announced the implementation of a $2,000 dividend tax on eligible American citizens. 

After considering several factors related to the current US market, analysts conducted research. They discovered that market expectations suggest that borrowing costs are likely to stay high in the long run. Some of the factors said to have set off this risk are rising tensions over cost stability and the fact that global economic growth has been sluggish

Meanwhile, it is worth bearing in mind the contradictory part noted between what the US president believes in and the overall market sentiment. At this point, sources confirm that Trump’s remarks focus on policies and the economic rebound. At the same time, market trends suggest that policymakers and traders consider simpler financial conditions to be essential. 

The White House adopts backup plans in case the judge’s ruling does not  favour them 

Several economists contributed to heated discussions over the fate of the Fed rate cut. They alleged that the prospect of interest rate cuts showed growing investor confidence in the economy.

They also pointed out that if, by any chance, the likelihood of rate cuts declines, then the situation will indicate that inflation is being controlled. Nonetheless, it was also discovered that the situation might raise tensions among individuals regarding economic stability. Currently, most of the feedback gathered focuses more on pessimism than optimism. 

Meanwhile, a recent report claimed that the White House has started adopting several backup plans just in case the Supreme Court prohibits the Trump administration’s authority over tariffs. Agencies, on the other hand, reported that they were thoroughly investigating other available legal choices for assuming responsibilities.

Polymarket traders participated in discussions regarding the Trump administration’s authority over tariffs. They drastically reduced the odds of a tariff victory after justices asked how far executive powers go in the matter, leading to a major change in the prices of cryptocurrency. At this point, Bitcoin experienced a surge because of new uncertainty.

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As tokenized real-world assets on the XDC Network cross $717 million, data from TradeFi.Network shows nearly half of that capital now sits inside a private-credit allocator; institutional finance is actually moving on-chain.

On-chain data from TradeFi.Network shows that total RWAs tokenized on the XDC Network have reached $717 million. More striking, however, is where that capital is concentrated: $345.3 million, roughly 48% of the network’s RWA, is now deployed through VERT Capital in USDC-denominated private credit pools. The data points to something more deliberate: institutional private credit moving on-chain at scale and selectively.

(Source: TradeFi Network )

What the Data Signals

Three signals emerge clearly from the numbers:

Capital is consolidating, not diversifying.
Nearly half of all RWAs on XDC are managed by a single private-credit allocator, suggesting conviction rather than experimentation.

Private credit has overtaken other RWA categories.
Unlike tokenized treasuries or commodities, these pools represent long-duration, yield-bearing credit instruments, traditionally among the least transparent corners of finance.

Settlement risk is being minimized.
The exclusive use of USDC indicates institutional preference for regulated, fiat-backed settlement over volatile crypto assets.

Why XDC, and Why Now?

Private credit markets exceed $1.6 trillion globally and are expected to reach $3 trillion, according to Moody’s analysis, yet much of the infrastructure remains manual and opaque. Tokenization does not change credit risk, but it radically changes settlement speed, reporting, and operational efficiency.

(source: Moody)

The XDC Network has quietly positioned itself around those exact requirements: low transaction costs, predictable finality, and permission-aware infrastructure tailored for financial institutions.

The result, according to TradeFi data, is not a surge of small issuers, but fewer, larger pools deploying meaningful capital.

One of the largest concentrations of tokenized private credit has formed without marketing campaigns or retail incentives. If this pattern continues, the next phase of RWA adoption may be defined less by pilots and more by which blockchains quietly become settlement layers for institutional balance sheets. 

Peter Schiff, a famous financial commentator, stockbroker, and gold advocate known for being a staunch critic and vocal opponent of Bitcoin and cryptocurrencies, recently sparked tension in the crypto industry after issuing a warning regarding BTC immediately after reports highlighted that silver’s price encountered a substantial rise. Following his warning, Schiff expressed his belief that the cryptocurrency would face the reverse effect of silver’s surge.

According to him, any adjustments could occur swiftly, as market downturns often accelerate under stress. This statement came after the prices of silver increased significantly in one day, boosting the metal to a record level above $79 per ounce, marking the first time in history.

Silver’s surge prompts Schiff to issue a warning regarding Bitcoin

Concerning Schiff’s warning, reliable sources reveal that the prominent financial expert shared an X post offering his insights at a time when investors witnessed silver rise by more than 10% in a short period. To clearly explain the situation, market data indicate that this rally pushed silver from a level of $78 to approximately $79 in about ninety minutes. 

The increase drew the attention of several individuals globally, as the metal had been demonstrating a steady rise for several months. Moreover, a TradingView chart showed a sharp breakout as the price surged to a new historical peak.

Meanwhile, it is worth noting that silver’s surge had also played a crucial role in the metal ecosystem by improving the overall market sentiment towards metal assets. Interestingly, the substantial performance of tokenized commodities supported by cryptocurrency illustrates this trend, as reports pointed out that their total value nears $4 billion. This finding indicates that several investors prefer alternative assets.

On the other hand, data from CompaniesMarketCap revealed Silver’s recent efforts to narrow the gap with NVIDIA in overall market value. This move has prompted analysts to suggest an increased likelihood of heightened demand from institutions and growing interest in commodities among investors. 

In the case of Bitcoin, sources reported that the cryptocurrency’s price remained close to $87,000, showing slight movement over the last 24 hours. Data from CoinMarketCap also revealed that major cryptocurrencies encountered minimal daily gains.

The fate of silver and Bitcoin sparks debates in the industry 

The surge in Silver’s price has initiated heated discussions in the ecosystem as recently released updates intensify these debates. For example, a new chart from Ted Pillows noted that the metal’s monthly Relative Strength Index (RSI) reached a new all-time high in forty-five years.

As this reading showed a bullish trend, analysts commented that the big question raised in the industry is the duration of the trend. Another conclusion drawn from this reading was the dramatic progression of the current silver price breakout.

In comparing the progress of Bitcoin to silver over many years, another chart highlighted that the cryptocurrency has substantially lost its relative gains that date back to eight years ago. Such a shift prompts individuals to believe that silver has surpassed BTC in the recent market rally.

In the meantime, with silver priced at roughly $80, a model that compares silver to BTC estimates that the cryptocurrency’s value should be approximately $394,000.  With this estimation in mind, traders raised concerns about whether the digital asset could catch up with silver, should market conditions change.

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Certain crypto movements occur disquietly. The price rises first. Participation follows. Afterward, the attention comes at a later point. This trend is usually observed once the infrastructure is near maturity and risk begins to decline. One DeFi crypto is currently in that very window as per industry speculation in which early placement is underway prior to wider exposure.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a decentralized financial protocol specializing in developing lending and borrowing. It is not constructed around the hype cycles but the organized usage. There are two central markets in the protocol. The former is a pooling based lending system, commonly referred to as P2C. In such a construction, users deposit assets such as ETH or USDT in common liquidity pools. They, in their turn, are provided with mtTokens. 

These mtTokens are their deposit that will increase in value, as their borrowers pay them interests. As one example, when a user deposits ETH, they can get a yield having a transferable token which keeps track of their position.

The second market is peer-to-peer borrowing. In this case, customers will be able to borrow against their own collateral. The borrow rates will be determined by the type of asset and the risk profile. Less volatile assets can be used to fund higher Loan to Value ratios, and tokens which are more volatile need lower LTVs. In case of too low collateral values, the liquidation rules come into play to save the system.

These two markets are working to reconcile flexibility and control of risk. This structure is important since lending of protocols can only scale in a case where there is trust between lenders and borrowers in the system.

Mutuum Finance has raised approximately $19.45M so far and has got around 18,650 holders. The significance of these numbers is that it shows early implementation prior to the full establishment of the protocol. V1 of the lending and borrowing protocol will be launched in Sepolia testnet in Q4 2025 with ETH and USDT being the initial assets, according to official statements posted on X.

Growth and Increasing Demand

MUTM is valued at currently $0.035 and it is at Phase 6. The maximum number of token supply is 4B. Approximately 1.82B tokens, which are about 45.5%of that supply, are to be distributed early. Approximately, 825M tokens were sold.

Since the pricing of the token when the token was priced at $0.01 at the beginning of 2025, MUTM has gone up by 250%. This continuous growth indicates increased confidence with the achievement of development milestones. The participants of Phase 1 are positioned at approximately 500% MUTM appreciation in case the token is positively priced at its official launch at $0.06.

The phases of price progression have been put in place. The next stage increases the cost progressively. The next Phase 7 will push the MUTM price to an approximate of 20% higher. This is important to early entrants since the price of entry has a direct and positive impact on long-term upside.

With the tightening of the allocation, access becomes more difficult to supply at the existing level. Such a dynamic usually alters conduct. Buyers move faster. Greater allocations come up earlier. It is here that people think whale interest is taking shape.

Risk Reduction and Security Stack

Security is one of the reasons that some investors are now giving increased attention. Mutuum Finance has a CertiK token scanned where it has received a Test Score of 90 / 100. It means that there are good outcomes in various security examinations.

Besides this, Halborn security is also doing an independent audit of the lending and borrowing agreements at Mutuum. It is a completed code that is in the process of formal analysis. To a DeFi crypto, this phase is paramount since it lowers the levels of uncertainty prior to the launch.

Another aspect that was announced as part of the project was the $50k bug bounty initiative dedicated to the detection of vulnerabilities in code. Another protection level is brought by bug bounties which subject the system to external research to ensure it is stressed. Audits along with bounties facilitate the compression of risk. That is when long-term investors tend to get more comfortable to make increases in exposure.

Why Urgency Is Building Now

There are a number of indicators that there is an escalating urgency. Phase 6 is over 99% allocated. Recent whale distributions have been up to $100k. Such actions are frequently done in cases where the supply that is left is small but visibility is on the rise.

Mutuum Finance is also sponsoring a 24 hour leaderboard that pays out the highest gross daily contributor with MUTM to the tune of $500. This keeps it active and promotes long-term participation as opposed to bursts of participation.

The payment options can also be carried out using cards, which reduces friction to new entrants. For a project, the aspect of accessibility may be important when moving to the next stage of early adoption to more widespread recognition.

The future of Q1 2026, according to numerous market pundits, is that Mutuum Finance is establishing itself in the market as a potential leading crypto as far as the DeFi crypto sector is concerned. There is almost prepared infrastructure. Information reviews are underway. Supply is tightening..

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Cynthia Lummis, a Republican United States Senator from Wyoming who is a strong advocate of crypto, noted that the new suggestion that Christopher Waller, an American economist serving as a Governor on the Board of Governors of the US Federal Reserve System, submitted to make “skinny” master accounts available for crypto firms would halt debanking under Operation Chokepoint 2.0. 

Lummis made this statement after Waller released his new proposal to the public during the Payments Innovation Conference held in October of this year. 

According to reports, the Governor claimed that this suggestion would enable crypto and fintech startups, including banks that only conduct payment activities, to obtain accounts at the Federal Reserve, just like traditional banks’ “master accounts.” However, it was confirmed that this access would involve certain restrictions.

Senator Lummis sparks hope for smooth operations in the crypto ecosystem soon 

Waller’s suggestion ignited heated discussions in the crypto ecosystem. To address this controversy, Senator Lummis issued a statement clarifying the proposal. In the statement, Lummis acknowledged that, “Governor Waller’s skinny master account idea ends Operation Chokepoint 2.0 and paves the way for real payment innovations. This means faster payments, lower costs, and better security — this is how we can responsibly create the future.” 

Earlier, Operation Chokepoint 2.0 was perceived as a strategic approach aimed at hindering banking services, particularly for crypto firms and their founders. To support this claim, Marc Andreessen, a highly influential venture capitalist and staunch advocate for cryptocurrency and blockchain technology, asserted that more than thirty tech founders were blocked from accessing banking services in the event of this operation. 

Meanwhile, reliable sources indicate that Waller’s new proposal marks a significant shift in how officials in the United States view digital assets and other emerging fintech startups. At this point, they perceive cryptocurrencies as essential aspects of the payment system and the future of finance.

What still shocked the entire crypto community was the move to deny crypto firms access to banking services that took place even after US President Donald Trump issued an executive order in August instructing banks not to block services to Americans and businesses without a legitimate reason.

The executive order further directed banking regulators based in the US, including the Federal Deposit Insurance Corporation (FDIC), to identify certain banks and financial institutions that had participated in debanking activities. To demonstrate the intense nature of the situation, reports highlighted that the order illustrated the possibility of these institutions facing serious fines or other forms of penalties.

Nonetheless, even with these efforts in place and Trump’s pro-crypto stance, sources close to the matter raised concerns that crypto executives, project creators, and Web3 firms are still subject to debanking issues.

Analysts note an increasing debanking attempt impacting crypto firms

Banks’ decision to block crypto companies from accessing banking services has become a growing concern in the crypto industry. This trend was noticed when crypto leaders began to report incidents of being victims of such attempts. An example is Jack Mallers, the CEO of the Bitcoin payment company Strike. 

Mallers claimed that JPMorgan, a massive and leading global financial services firm, decided to suspend its banking services in November without providing a valid reason for doing so.

In a separate X post, the CEO highlighted that the sudden decision caught him by surprise, adding that, “Every time I asked them why, they replied the same way: ‘We aren’t allowed to tell you.’

In the meantime, apart from Mallers, recent reports mentioned that JPMorgan Chase had also blocked the accounts of BlindPay and Kontigo. These venture capital-financed stablecoin startups focus on global, specifically Latin American, payments infrastructure in December. Following this move, the largest bank in the US by assets alleged that it made this decision after discovering that these firms were connected to sanctioned areas as the justification. 

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The Flow blockchain, linked to NFT projects like NBA Top Shot announced it is looking into a potential security incident affecting the network.

The potential breach raised concerns about the network’s security. Its native token FLOW, has been immediately rocked as fear, uncertainty and doubt (FUD) have overtaken the project’s traders.

Why is Flow token down?

The announcement of the ongoing investigation was made because the Flow Foundation became aware of a potential security incident.

The engineering team is hard at work with network partners to establish effective response strategies.

The exact nature and extent of changes within the Flow network also remain unconfirmed. As a precaution, stakeholders have been advised to monitor updates closely. Once verified, the team is expected to provide further announcements that detail the cause and potential duration of disruptions to the Flow network.

While the investigation is ongoing, speculation has continued.

As of December 27, 2025, Flow (FLOW) is trading at $0.11, down from $0.17, some of the lowest levels the token has ever been. For context, the token was once valued at $42.

Flow token price chart. Source: CoinMarketCap

Recent trading volume had also surged to $164.12 million, but over the past 90 days, the token has experienced a 69.84% decline, according to CoinMarketCap data.

Why did exchanges pause Flow token deposits and withdrawals?

On Saturday, after the project flagged a potential security incident affecting its mainnet, crypto exchange Upbit issued a cautionary advisory for Flow (FLOW).

According to Upbit, the situation is under review, and there is a possibility for the exchange to take protective measures, including warnings, trading restrictions, or ending support if necessary. Users holding FLOW are urged to be cautious.

Other South Korean exchanges that have taken similar action to Upbit since the Flow episode began include Bithumb, one of South Korea’s largest platforms, which quickly halted FLOW deposits/withdrawals, and Coinone.

Their actions align under Digital Asset eXchange Alliance (DAXA), which also issued a trading risk warning for FLOW. While spot trading remained available on the aforementioned platforms, on-chain transfers were paused to mitigate risks during the investigation.

No major global exchanges reported similar suspensions. The response from South Korean exchanges provides better context on the effect of the price drop. It is important to remember that user balances on the exchanges are reported as safe and unaffected.

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Noise is not the way that some of the strongest crypto moves begin. They commence when infrastructure is almost exhausted and furnishment starts to die out. That is usually when more senior investors begin to listen attentively. According to market commentators, one of new DeFi crypto is currently entering that phase, where positioning is winning over publicity.

Mutuum Finance (MUTM): What It Is Building

Mutuum Finance (MUTM) is developing a DeFi crypto-centered on borrowing and lending. It aims at developing a protocol that humans use, not to trade.

The platform will give users an opportunity to provide assets and receive yield as other users borrow against security. As an example, one may invest in ETH or USDT and become interested when borrowers get access to liquidity. Borrowers are forced to overcollateralize their positions and this assists the system in such price swings.

Interest rates change depending on the degree of utilization of capital. Rates remain low when the liquidity is high. Liquidity becomes restricted and to stimulate repayments and new deposits, then the rates go up. The balance is meant to ensure efficient flow of capital.

As per the documentation provided on the Mutuum Finance X account, the V1 of the lending and borrowing protocol will be released to the Sepolia testnet in Q4 2025. Key characteristics are liquidity pools, mtTokens, debt tokens, and an automated liquidator robot. The first available assets are ETH and USDT.

Another big concern is security. Halborn Security is considering the lending and borrowing agreements of Mutuum Finance. Before any DeFi crypto goes live, it is significant to have a finalized code that is under formal analysis.

Involvement and Price Advancement

There have been significant inferences regarding Mutuum Finance. This project has garnered close to $19.45M in funds up to date and has created a community of approximately 18,650 holders. These statistics are important since they demonstrate pre-protocol activity.

The first price of the token was $0.01 in early 2025. MUTM has since improved to be in the range of $0.035 which is a 250% appreciation. The move indicates increasing confidence because development milestones have been achieved.

To most players in the market this kind of price movement indicates that perceptions are becoming premature. Buyers are positioning before activation instead of responding to a completed product. Such behaviour can frequently take place even before utility becomes live, rather than after.

Supply Structure and Distribution Signals

There are 4B fixed tokens in MUTM. Approximately 45.5% of that supply or about 1.82B tokens are to be allocated at early distribution stages. Phase 6 is now over 99% allocated. With tightening up, there is less supply to spare. In the past this is when the price sensitivity is high due to limited availability of the tokens at present levels.

The site also has a 24 hour leaderboard that rewards the largest contributor to the protocol on a daily basis with MUTM at $500. The aspect will promote consistent attendance and not sharp peaks. It assists in smoothing out distribution and maintains the engagement.

The other fact that is important is accessibility. MUTM is a card payment, which makes the entry of new players that are not so invested in crypto easier. This has the ability to get out to a wider audience than a usual DeFi user.

Mutuum Finance has undergone a CertiK token scan that has a score of 90 out of 100. This score shows good outcomes of various security checks. 

In the future, the Mutuum Finance will present an overcollateralized stablecoin. Stablecoins are essential to lending applications as it lessens volatility and aids predictable lending and inflation habits. This could boost daily usage and will render the protocol more appealing in times of uncertainty in the market.

Why Timing is Attracting Urgency

As Phase 6 is coming to an end, time has become one of the central issues being discussed by the onlookers. Purchases of whales have been reported as $100k in recent times meaning that there are bigger purchasers of whales who are positioning before the allocation closes. To minimize risk, whales usually wait until late and when the visibility is improving.

Supply is tight. Infrastructure is soon to be launched. Security audits are underway. Mutuum Finance is mentioned in the discussion of the potential best crypto to buy now with developing use. At this stage, it is not the question, whether MUTM is early. It depends on whether retained supply would last till wider exposure comes.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Banks are reportedly lobbying to change the GENIUS Act and reverse the compromise over interest payments, apparently due to concerns about safety, despite the bill already settling this issue.

Critics argue that the banks lobbying to change the GENIUS Act are doing so in order to protect their profit margins from competition and not for safety like they claim. 

Why are banks trying to change the GENIUS Act?

The GENIUS Act is the result of several months of Congressional negotiation to create a regulatory framework for stablecoins in the United States. The legislation reached a compromise between banks and stablecoin issuers that prohibits stablecoin issuers from paying interest directly to holders, but allows platforms and third-party services to offer rewards and yields. 

However, according to Coinbase CEO Brian Armstrong and crypto advocate Max Avery, the banking lobby is now pushing to reopen these settled provisions. 

Avery posted on X that banks claim their lobbying efforts are due to “safety concerns” and worries about “community bank deposits,” but independent research shows no evidence that community banks are losing deposits at an unusual rate. 

The real issue is that traditional banks currently earn over 4% interest on customer deposits at the Federal Reserve while they pay customers approximately 0.01% interest on savings accounts.

He went on to advise community members to be careful about amendments that would ban “rewards” instead of just directing interest payments from issuers, as that would effectively close the loophole that allows third-party platforms to share yields with stablecoin users. 

He also questioned whether legislators concerned about stablecoin yields have ever addressed why bank savings rates have remained stagnant for fifteen years despite significant changes in Federal Reserve rates.

Why does Coinbase consider this a red line issue?

Coinbase has declared that preventing any reopening of the GENIUS Act is a “red line issue” for the company. Coinbase joined other crypto companies in supporting a letter organized by the Blockchain Association, Stand With Crypto, and the North American Blockchain Association to show that the industry is against these lobbying efforts as a whole.

Max Avery argues that if Congress allows the banking lobby to reopen and modify settled legislation, leading financial institutions can continuously chip away at frameworks designed to enable new competition. 

He pointed out that fintech companies considering entering U.S. markets are closely monitoring whether legislation “actually sticks” or can be repeatedly modified to protect current profit margins.

Armstrong made a bold prediction that banks will eventually reverse their position and lobby for the ability to offer stablecoin yields once they recognize the market opportunity. He called the current banking lobby efforts “100% wasted effort” and “unethical.”

“My prediction is the banks will actually flip and be lobbying FOR the ability to pay interest and yield on stablecoins in a few years, once they realize how big the opportunity is for them. So it’s 100% wasted effort on their part (in addition to being unethical).

The innovator’s dilemma is undefeated.” He wrote.

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Some of the most powerful crypto actions start by selling the majority of the supply. Positioning has occurred even before attention has become rampant. The market commentators believe that now is that moment of lateness of Mutuum Finance (MUTM) in which allocation only narrows as visibility begins to increase.

Mutuum Finance (MUTM) Presale News 

Mutuum Finance is now valued at $0.035. The presale started at the start of 2025 and has gone through stages, which were organized with advances in the price. Since the price of the token at the first stage was $0.01, it has increased approximately 250% to its present price. The launch price is set to be $0.06.

To date, the project has accumulated nearly $19.45M in funds, as well as creating an approximate 18,650-base of holders. Nominated by a fixed number of 4B MUTM tokens, the presale is about 45.5%, and this constitutes approximately 1.82B tokens.

Phase 6 is now over 99% allocated. That is, the bulk of the preliminary supply is sold off. Tokens have not been pouring out in a spurt. Rather, allocation went in a steady manner over milestones. Early investor behavior tends to follow the trend of accumulation as opposed to excitement in the short term. Since Phase 6 has become near completion, all the remaining supply has become the focal point but not the early pricing itself.

What is Mutuum Finance (MUTM) Building

Mutuum Finance (MUTM) is a DeFi lending protocol that is being designed on top of two lending markets. The idea is to establish a continuity instead of a one time affair.

At the supply side, users place their assets in liquidity pools and get mtTokens. These mtTokens are a reflection of their pool and they receive yield as the borrowers pay interest. The growth in yield is proportional to the increase in the borrowing demand, and this relates the returns to the activity of protocols directly.

Security is a core focus. Mutuum Finance has successfully passed a CertiK scan with 90 out of 100. Moreover, Halborn security is examining the lending and borrowing agreements. Code is complete and under serious examination, and a bug bounty in the form of $50k is active to get additional verification.

Stablecoin, Oracles and the Price Outlook

Mutuum Finance will be launching an overcollateralized stable coin according to the official roadmap. Stablecoins play a crucial role in lending platforms since they alleviate volatility risk, as well allowing borrowing and repayment patterns to be predictable. This has the ability to boost daily consumption particularly in times when markets are shut down.

It is also foreseen in the protocol to make use of strong oracle infrastructure. Chainlink data feeds, fallback pricing systems, and aggregated sources would be adequate to provide accurate prices on assets. Sound oracles are essential to safe liquidations and reasonable loan arrangements.

Given these structural components, a number of analysts think that MUTM can make a multi-x move following the launch assuming that usage will increase as anticipated. Towards the bullish case, there is a position of a 5x to 10x potential between the present figures due to the efforts in participation rather than a speculative trading.

These estimates are associated with behavior change. With the shift of users away from holding to active lending and borrowing, the dynamics of demand change.

The Whales and The Importance of Timing

As it is written in official announcements by the Mutuum Finance X account, V1 of the lending and borrowing protocol will be deployed to Sepolia as part of the Sepolia testnet in Q4 2025. The main characteristics are the liquidity pools, mtTokens, debt tokens, and a liquidator bot. The initial supported token is ETH and USDT.

With the tightening of Phase 6, six figure whale allocations have begun to be reported. Bigger purchasers tend to seek confirmation at the end-stage before investing. Their involvement may also lower supply in the market even more and alter the short term behavior of the market.

The presale is also accompanied by the 24 hour leaderboard which gives the best daily contributor $500 in MUTM. This will promote regularly attended engagements as opposed to occasional entries to ensure consistent flow of allocations.

As Phase 6 is almost finished and V1 is in sight, commentators in the market speculate that it is at this stage that positioning is replaced by visibility. In the list of what crypto to invest in before utility goes live, Mutuum Finance is gaining a growing place, probably because of its increasing discussion in the industry alongside the question of which crypto to scan today.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The days following Christmas have been a nightmare for DeBot, a popular AI-driven DeFi trading bot and wallet tool, which faced a security incident that saw community members report abnormal asset transfers from user wallets. 

The team behind the bot has since responded, promising refunds while assuring the core architecture was not affected. 

DeBot plans refund after major hack 

According to on-chain data, the hackers got away with about $255,000 in assets, consolidated to some addresses on BSC, with some funds funneled to Tornado Cash, where they were laundered. 

The founder of the SlowMist blockchain security outfit has claimed that the risk addresses are still vulnerable. He advised anyone with assets on them to move them.  

The DeBot team has also responded to the crisis with posts on X containing updates as well as plans for moving forward. According to one post, the DeBot secure wallet addresses are operating normally and were not affected in any way. 

The team acknowledged that there were relevant situations with some addresses, but that they are following up and handling them properly. For those worried about their assets, the team encouraged them to transfer said assets from their respective risk wallets to the secure wallet address. 

Additionally, the team has promised that all users who were affected by the hack will receive full compensation following a comprehensive review and tally. According to them, the hack only affected wallets imported or generated before December 10. 

They claim addresses that were generated or imported after December 10 are all secure wallets and unaffected, and they are working without a hitch. 

Trust Wallet suffered a similar issue 

Users of DeBot who were affected by the hack claimed that their assets were transferred out of their wallets. Those statements are reminiscent of the accounts given by victims of the Trust wallet hack, which saw the hacker get away with up to $7 million, as reported by Cryptopolitan. 

The theft of funds occurred shortly after the Binance-linked Trust Wallet released an updated version of its extension for the Chrome web browser. The breach was flagged on December 25 by on-chain detective ZachXBT and has since been confirmed by the wallet team.

“Community alert: A number of Trust Wallet users have reported that funds were drained from wallet addresses within the past couple hours,” ZachXBT posted on Telegram. “While the exact root cause has not been determined coincidentally the Trust Wallet Chrome extension pushed a new update yesterday.”

The breach targeted version 2.68 of Trust Wallet’s browser extension, according to what the wallet team posted on X. The team also urged users not to open that version and to upgrade to version 2.69. “Mobile-only users and all other browser extension versions are not impacted,” they claimed. 

Like DeBot, there is a promise to reimburse the stolen funds according to Changpeng Zhao, a co-founder of Binance.

Both exploits, which happened within close proximity to each other, targeted crypto wallets and have highlighted the importance of constant vigilance from all parties because the hackers are not taking any breaks. 

Crypto theft has already risen to $6.75 billion this year, according to a Chainalysis report. The number of personal wallet compromises has also surged to 158,000 from 64,000 last year, though the amount stolen accounted for 20% of the total, down from 44%.

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Other crypto projects do their largest moves under the radar. Progress stacks up first. Attention follows later. Markets are quick to react to situations when supply reduces with infrastructure forming simultaneously. According to the market commentators, this is where Mutuum Finance (MUTM) is entering the market now, with timing beginning to be a significant factor.

The Design of How Mutuum Finance (MUTM) Works

Mutuum Finance (MUTM) is developing a decentralized finance that is based on lending and borrowing. It was designed to be used in the real world, not toward short-run trading.

On the pool based side, users deposit their assets in common liquidity pools. They in turn get mtTokens. Such mtTokens symbolize their commitment in the pool and accrue APY as borrowers pay interest. As an illustration, providing USDT will produce the minting of mtTokens that will gain value with the rise in demand for borrowing. Activity is directly related to yield.

Peer-to-peer borrowing is also facilitated by Mutuum Finance. Borrowers open overcollateralized loans and make interests depending on the market conditions. Loan to Value ratios are subject to asset risk. Greater LTVs are available on more stable assets, whereas volatile tokens are limited. Liquidations are initiated in case of collateral loss to more than the liquidation level in an effort to secure the liquidity providers.

Interest rates change according to usage. During the time of high liquidity, the rates remain low and communicate borrowing. In case of tight liquidity, rates increase and invite lenders and decrease debts. This is the balance that Mutuum Finance is focused on when it comes to capital flow.

Presale Progress and What the Numbers Show

MUTM pre-sale started in early 2025. Since phase 1, the token has improved approximately 250%, shifting away, at the moment, at $0.01 to the current price of $0.035. The official launch price is set at $0.06 and early phase participants would be in a good position to be when this price level is reached.

Up to this point, approximately $19.45M has been raised. This project has increased to approximately 18,650 holders. Among a given amount of supply 4B tokens, an estimated amount of 45.5% is distributed to the presale. That equals roughly 1.82B tokens.

Phase 6 is now over 99% allocated. The bulk of the supply that exists at this price has been given out. The number of tokens sold has been growing steadily and not surging, and this is an indicator that early investors were used to seeing such growth.

The platform also has a 24 hour leaderboard which rewards the most active contributor of the day with $500 in MUTM. This characteristic will promote a regular attendance as opposed to a single attendance that would aid in distribution smoothness.

As phase allocation is almost over and the second phase is expected to have a price increase of approximately 20%, people have now changed to focus on current availability as opposed to future speculation.

V1 Launch and V1 Security

As stated on the Mutuum Finance X account, version V1 of the lending and borrowing protocol will be developed to be used in the Sepolia testnet during Q4 2025. It consists of liquidity pools, the use of mtTokens and debt tokens and an automated liquidator bot, with ETH and USDT as the first supported assets.

There are security reviews that are already in place. Mutuum Finance is rated at 90 out of 100 in a CertiK token scan. Simultaneously, Halborn Security is revising the lending and borrowing agreements. Code is completed and in the form of analysis. There is additional code testing of a $50k bug bounty program.

A few analysts hold that V1 will also be able to be launched when its usage is experienced and MUTM is likely to rise over the $0.06 launch price. This could result in a bullish response up to 3x-5x possible range of current levels given participation changing the expectations to activity.

Why Stablecoin and Layer 2 are Important

Mutuum Finance intends on launching an overcollateralized stablecoin. The utilization of stablecoins in lending platforms is important as it helps decrease volatility and adopt predictable borrowing and repayment patterns. This may enhance daily usage particularly during periods of uncertainty in the market.

The roadmap is also concerned with Layer 2 expansion. A reduction in fees and the rate of transactions makes smaller positions suited. This enables access and helps to facilitate better transaction volume without congestions. These in combination with a strong oracle infrastructure, with the expected Chainlink data feeds and fallback pricing solutions, will contribute to realistic valuations and secure liquidations.

To people currently observing crypto prices, and tracking new crypto projects with their product utility growth, Mutuum Finance is at a phase where supply, form, and timing are coming into harmony. Phase 6 is nearly complete. There is proximity of infrastructure to activation. It is a combination in which price behavior tends to begin to change.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

For traders seeking the most lucrative cryptocurrency to invest in prior to the start of the subsequent big bull cycle. It is essential to run fair and reasonable upside models, and this explains why Mutuum Finance (MUTM) is steadily making such headway as an Ethereum-focused DeFi cryptocurrency that traders can invest in. At the current presale price of $0.035, it would be possible to accumulate around 28,571 units of the MUTM cryptocurrency with a mere $1,000, 

If the anticipated $1 price milestone is reached in 2026, this translates to nearly 29x returns, an upside that is simply unimaginable in large-cap markets. This euphoria is being precipitated by an excellent presale that has seen the project now in its 6th stage and 99% sold out, establishing immense urgency in terms of traders seeking to acquire this particular cryptocurrency prior to the next price hurdle. Apart from the upside potential, the winning formula in MUTM lies in the real-world utility that it derives as an Ethereum-focused decentralized lending and borrowing system, meaning that there exists intrinsic usage, rather than an asset simply based on speculation.

Phase 6 Almost Full, Secure MUTM Before Price Increase

Mutuum Finance started its presale in early 2025 at a token price of $0.01, but currently, the token is at a value of $0.035, resulting in a 250% growth in its value with no exchange listing yet. This indicates a significant interest in the market as well as utility in the token, MUTM.

Phase 6 has surpassed the 95% mark in sales, leaving very few tokens left at this current price point. Investors wanting a piece of the action before the launch price of $0.06 are taking immediate action. To incentivize people even further to take an active part in this project, Mutuum Finance introduced a new leaderboard that changes every 24 hours and awards the person who made the most significant investment with $500 of MUTM tokens.

Key Milestones

Mutuum Finance is on the threshold of a major development phase with V1 launch on Sepolia Testnet  during Q4 2025, including:

Lending & borrowing infrastructure

mtTokens

Debt token system

Liquidation bot

At first, the tokens that will be supported include ETH and USDT. Most of the tokens that are in the initial stage of development are released without the product working. However, Mutuum Finance has developed their product completely before launch. It is among the next-big-cryptos that can be invested in.

Currently, the project is at Phase 2 of the development cycle, working on smart contract optimizations and being prepared for multi-stage testing. As the team prepares for Version 1 and security audits continue, the pace of progress continues to be swift and very promising.

Urgency Peaks as Phase 6 Closes

With over 99% allocated for Phase 6, the tokens at $0.035 are dwindling quickly. The weekly jumps in membership are fueling the need for new entrants to secure their tokens before Phase 7. Whale activity has also escalated, with an acceleration of allocations and a message being sent to small investors that it is time to take action. As soon as Phase 6 closes, the presale enters a stage closer to the launch valuation level.

For investors looking for the most suitable cryptocurrency to purchase before the end of 2026, Mutuum Finance (MUTM) emerges as the most promising Ethereum-based DeFi project that offers huge potential. At the current presale price of $0.035, an initial investment of $1,000 will yield 28,571 units of the MUTM cryptocurrency. Then, if the cryptocurrency attains a value of $1 by the end of 2026, the initial investment could balloon to nearly $29,000. Given that Phase 6 is over 99% sold out and that the V1 Testnet is about to be launched, investors who purchase the cryptocurrency early will stand to gain from utilizing the services provided by the cryptocurrency and the presale’s growth structure. In fact, the time frame for buying the cryptocurrency at a discount will soon be closing as Phase 7 will begin at a higher price of $0.04.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

According to recent updates from the Lighter team $LIT token, there is going to be a token generation event (TGE) for their $LIT token and the associated airdrop, one of the incentives used to attract participants to the exchange points-based campaign, has wrapped up. 

During a live chat with podcast host 0x_tiago, Pietro from the Lighter team shared more about what Lighter is all about, as well as solid alphas concerning the now confirmed airdrop.

When is the Lighter airdrop?

According to Pietro’s chat, the airdrop and TGE can be expected to happen before 2025 runs out, which leaves roughly 4 days, long enough for anything to happen. 

The TGE & airdrop have been confirmed to happen in 2025, with 25% of the supply dedicated to the airdrop and no vesting period involved. There will be no claim process either, as the token will be airdropped directly into the point holder’s Lighter wallet.  

Those curious about the tokenomics details will have to be patient, as it will be rolled out gradually. What we do know for sure is that 50% of the supply will go to the community, and buybacks have been planned. 

After the airdrop, value is designed to accrue to the token equity holders, who are also token holders. In plain terms, this means that value will flow to the token. The token will go live on Lighter first. The team claims it has no plans to pay for CEX listings, but Coinbase and Bybit have already added $LIT on their respective roadmaps.  

There have been questions about an official NFT, but during the chat, it was revealed that there was none. However, some releases might come from some prominent community members like Fuegonft. 

Even though the airdrop campaign has come to an end, the Lighter representative reiterated that it intends to remain a cheap platform to trade on, especially when one accounts for spreads and fees. 

Revenue is generated from premium accounts and liquidations, so there are no fears that it won’t turn profits just because people stop using it after they get their drops. Also, Lighter has promised it is not going to develop an L1. Instead, it plans to optimize for the future with a zkEVM sidecar. The sidecar brings composability with the broader DeFi landscape and is planned to launch in H1 2026. 

During the chat, it was made clear that Lighter is being positioned to rival CEXs and not compete with other DEXs. It already has a mobile app in the works to rival CEX apps, and the team is reportedly working on options, tokenized stocks and other RWAs. ​

Hyperliquid has already listed $LIT

Speculations on the Lighter airdrop increased even more after Hyperliquid’s listing of the yet-to-launch Lighter token against $USDC on Monday at community request. 

It is available as a pre-market perpetual contract called LIT-USDC hyperps, and allows users to long or short the yet-to-be-launched token with up to 3x leverage.

The day before the listing, on Sunday, Lighter sent out an airdrop allocation form, which gave users the option to direct tokens to up to four additional wallets.

The optional form also lets users allocate different token amounts to each wallet, with submissions accepted through Friday. According to what Sebas said on Discord, if users do not submit the form and are eligible, the airdrop will be sent to their main Lighter account.

Lighter transferred 250 million $LIT tokens, representing 25% of the total supply, on Friday. The move has sparked community speculation that the upcoming user airdrop could happen ahead of the token generation event expected by December 31.

The first season of the Season 1 points program ended with the final private beta distribution on September 30. Season 2 points were distributed every Friday, earned by running organic trading strategies via the user interface and application programming interface. It has also ended, and the points have been distributed.

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Bit.com has initiated a three-step shutdown of its operations set to run from December 27 to March 31, 2026. 

Bit.com has advised its users to migrate their assets through the provided options, such as direct withdrawals and migration to its partner platform Matrixport, before it shuts down by the end of March.

Bit.com’s plan for a gradual shutdown

The cryptocurrency exchange Bit.com announced through its social media channels on December 27 that it will wind down its operations through a business restructuring. Consequently, it launched a “User Asset Migration Plan” to help customers withdraw or transfer their holdings.

The exchange released a detailed timeline running through March 31, 2026. Bit.com has promised to complete “all transparent and traceable migration of user assets within a clear time window” while maintaining equal treatment for all account types during the withdrawal process.

Which services will Bit.com stop?

Starting immediately, Bit.com has suspended new user registrations. Existing customers can still login, view their assets, and participate in the migration process.

The platform says normal withdrawal applications will be processed within 0.5 to 24 hours.  Priority verification will be available to users through customer service for any delays exceeding one working day.

Spot trading on the exchange will continue until January 31, 2026, after which all trading functions stop.

Users can withdraw assets directly or convert holdings to USDT before the deadline. Afterwards, any remaining small non-USDT assets will be automatically converted to USDT at closing prices, excluding observation area currencies, which users must withdraw manually beforehand.

Opening new contract trading positions has already been disabled. Users can only close existing positions.

Cloud computing power services will terminate on January 25, 2026, with all mining income settled at that time. Users with active cloud mining orders will receive refunds for unfulfilled service days calculated from January 25 to the expiration date of the original order.

Automatic income calculations for financial product holders will continue until January 30, 2026. After settlement, users must withdraw assets themselves through the app for supported currencies like USDT.

What should Bit.com users do now?

Users can withdraw funds normally from the main platform until January 31, 2026.

From February 1, assets that have still not been withdrawn will be moved to a backup station system, where users can only register and withdraw assets. The exchange has clarified that assets will not be cleared, confiscated, or disposed of during this phase.

March 31 is the final chance to apply for withdrawals through the backup station’s customer service channels.

If you have funds on Bit.com, only rely on its official website announcements and the official app for legitimate information.

As is usually the case, fraudsters and bad actors already have systems to take advantage of Bit.com’s situation. The exchange has also issued fraud warnings, reminding users that official communications will never request passwords, SMS verification codes, mnemonics, or private keys through private messages. The exchange will not ask users to transfer funds to “security accounts.”

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There is an abrupt change that is sweeping the crypto market. Bitcoin is withdrawing at the recent highs. Ethereum has been hovering around major levels. Cryptocurrency projects that were previously associated with high profits decline. With the occurrence of this, the focus tends to circulate speedily. According to industry observers, capital is shifting to utility-oriented DeFi crypto, and particularly those projects that appear to be poised to continue running ahead as others decelerate. That is the attention that is now being attracted by one new crypto.

The Sudden Interest in Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is an emerging project that a number of traders are beginning to pay closer attention to. It is geared around lending and borrowing which serve more effectively in the case when markets become nervous. Mutuum Finance is geared towards organised usage, rather than hype of price.

On the higher level, the protocol is developing to allow users to loan out assets, collect yield, and borrow with collateral in a regulated manner. Demand in lending usually surges when volatility is high as users seek to obtain a stable return or short-term liquidity without asset sales. This provides the lending protocols with a vindictive advantage in the turbulent environment.

Timing is what also grounds the story. Mutuum Finance is set to launch V1 on Sepolia testnet in the Q4 2025, according to official X-statements. This puts the project in a stage where development is highly accomplished, although there is yet to begin more extensive usage.

Participation Surge and What the Numbers Are Signalling

The MUTM participation metrics are on a steady rise. The project has collected an amount of approximately $19.45M and got approximately 18,650 holders. These statistics are important as they are a measure of interest prior to the launch of the protocol.

The initial confidence manifested in financing and increase in the number of holders in most instances appears initially. Attention to price normally comes in later. According to market commentators, this trend is common when a project is transitioning between unspoken development to broad visibility.

These figures do not present themselves in the form of promotion, but as signs of what can be seen. These indicate the number of participants that are ready to make a commitment before they reach full utility. Such behavior is likely to concentrate around the projects which are perceived to be less risky compared to at an early stage concepts.

Price Progression, Supply Flow and Token Structure

MUTM is in Phase 6 with a price of $0.035. The amount of tokens that can be in circulation is limited to 4B. That supply, approximately 1.82B MUTM, is assigned to the early stages which comprises about 45.5%.

The token price has been fluctuating through various structured phases since the beginning of the year 2025. It began at around $0.01 and has been rising in intervals as each stage got filled. This gradual model leads to price development that is predictable instead of the abrupt development in price.

Remaining supply is narrower at Phase 6. There is evidence that historically, a token at later stages tends to behave differently in terms of price. Buyers tend to act faster. Larger allocations are earlier portrayed. Most think that the expectation level is going to be restored once again by the next stage; with V1 coming close there are many people who think new expectations will be set.

Infrastructure and Security

One of the reasons as to why MUTM is not just a short-term trade is security. The project has undergone a CertiK token scan of the score 90 out of 100. This includes the areas of risk and general contract checks.

Halborn Security is further undergoing an overall review of the basic lending agreements. This is important to a DeFi crypto since the funds of users are handled by lending protocols. The integrity of the code and the level of audit are vital.

Mutuum Finance too declared a bug bounty of $50k that targets the weaknesses of the code. Other than audits, this opens external testing by security researchers.

At the infrastructure level, the roadmap will encompass oracle integrations to have proper pricing, stablecoin plans so that it can borrow with predictability and Layer-2 expansion to minimize fees and speed up. These aspects reinforce long term plans as opposed to hasty implementation.

Why Timing is the Boss

Phase 6 allocation is snuggling up. Whales have recently been allocated in the range of $100k. When the supply is tightened and bigger customers come into the picture, the market would behave differently.

It is further enhanced by a 24-hour leaderboard. It also provides the best contributor with $500 of MUTM on a daily basis, which continues the interaction. Card payments will also be introduced, which reduces friction and may speed up participation.

With Q1 being 2026 near, many observers feel like Mutuum Finance is going through a thin canoe. There is almost complete infrastructure preparedness. Security layers are in place. Supply is tightening. Something is beginning to shift the focus.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The crypto market is currently heating up, with Mutuum Finance (MUTM) making enormous progress with its development roadmap, impressing many investors who are keen on leveraging the best emerging market options prior to the upcoming bull market. Already in Phase 6 of presale, with the phase already 99% sold out, there is FOMO as buyers race against time to join ahead of the start of the next round when the price point is set to go up. This new crypto is capturing attention because of its presale success and due to its clear roadmap.

Aside from the presale mania, which is not only market-driven but has so much to show in regards to growing confidence in Mutuum Finance, the project is also systematically advancing with development stages, hence an extension of its innovative bidirectional lending platform which supports both P2P and P2C lending. These, among many more, demonstrate enormous potential with a high utilization level, ensuring that as an emerging market platform, Mutuum Finance is not only a novel project but a working DeFi solution. Investors increasingly recognize this new crypto as a standout project, solidifying its reputation as the top crypto contender for 2026 and beyond.

Given an ever-expanding pool of holders and an explosive presale, Mutuum Finance itself is surely an emerging market dynamo. Early participants are taking advantage of this new crypto while prices are still favorable. Top crypto investors are already taking note, ensuring Mutuum Finance gains momentum as it nears the end of presale Phase 6.

Phase 6 Almost Sold Out, Act Fast

Mutuum Finance (MUTM) is the leader in this market and has raised a handsome amount of almost $19.5 million in presale, which is currently in Phase 6 and expected to reach the complete allocation shortly. After going through various stages of presale with pricing in Phase 1 at $0.01 and in Phase 6 at $0.035, public trading of tokens is set to take place with a significantly higher price at $0.06, a massive jump of 600%. A total of 800 million tokens have been sold with a record 18,580 holders so far.

Phase 6 is actually more than 99% sold out, with only a small amount left at the current price. However, the bright side is that phase 7 is also scheduled to go live shortly with a price increase of 20%, which is an opportunity for one to join while the project is still cheap. This new crypto has positioned itself strategically in the DeFi market, ensuring that early adopters will benefit from both utility and growth.

Roadmap

Mutuum Finance is moving ahead with Phase 2 – “Building Mutuum,” which focuses on the core technological aspects related to the system. Phase 2 comprises of:

Final coding stage of smart contracts

Testing the internal operations of the protocol

Front-end, as well as back-end, development of applications for the decentralized platform

Risk management tools for efficient operation

After the completion of Phase 2, the next one will be Phase 3 titled “Finalizing Mutuum Finance,” which will include testnet launch and preparation for mainnet.

Following a systematic process ensures that when the platform is launched, it is capable of scaling and is also safe and functional. With a solid fundamental base and good initial performance, MUTM is getting into the league of must-watch cryptocurrencies. Mutuum Finance (MUTM) is one of the most attractive investments in the crypto market in 2026. It has sold well over 99% of Phase 6, with $19M raised and more than 18,580+ holders.

With a testnet launch and a V1 mainnet launch imminent in addition to a P2C/P2P lending function, Mutuum Finance not only provides actual use cases in the realm of DeFi but also has unique tokenomics and a scarcity aspect that can only be associated with projects that are this nascent. This new coin is already being regarded as a must-watch top crypto in the market, reflecting its strong fundamentals and growth potential.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

NFT sales volume recorded a minor drop, inching downward by 0.47% to $65.58 million from its $67.76 million last week.

In the data released by CryptoSlam, market participation also experienced a strong rebound, with NFT buyers rising by 26% to 292,030 and sellers rising by 24% to about 205,205. NFT transactions remained nearly unmoved, dropping by around 0.95% to 869,747.

NFT sales experience a slight dip

In terms of collections by sales volumes, DMarket on the Mythos blockchain retook the first position, recording $5.32 million in sales, a rise of 72% from last week’s $3.09 million. The collection also processed 142,989 transactions with about 10,681 buyers and 9,007 buyers.

Courtyard on Polygon moved to the second position at $4.99 million, a jump of 66.58% from last week’s $2.97 million. The collection recorded more than 67,000 transactions with 10,039 buyers and 2,192 sellers.

BRC-20 NFTs on Bitcoin snagged the third position with $3.45 million, posting a huge 335.14% rise from the previous week. The collection recorded more than 2,000 transactions, seeing 822 buyers and 602 sellers. The development highlighted the momentum that is presently in the Bitcoin NFT marketplace.

Meanwhile, CryptoPunks jumped to fourth, recording $2.51 million, a rise of 68.62% from last week’s $1.77 million. The Ethereum collection recorded 30 transactions.

Milady Maker was one of the few that experienced a huge decline, dropping to fifth after shaving off 42% from last week’s $3.68 million to register a sales volume of $2.26 million. The collection recorded only 130 transactions with just two buyers and a seller.

YES BOND on BNB took the sixth place, posting a growth of 0.25% to register a $2.15 million volume. The figure is up from last week’s $2.12 million. The collection recorded about 1,643 transactions in the past week.

Bitcoin surges as Ethereum and Solana see red

In terms of network, Ethereum held on to its first position with $20.88 million in sales. The figure was down 23.92% from last week’s $28.06 million. The network recorded $3.55 million in wash trading, bringing its total figure to around $24.43 million. Buyers also climbed by 37.19% to 19,798.

Bitcoin moved to second place with $12.12 million, seeing a surge of 70.52% from last week’s $7.38 million. The blockchain saw $45,552 in wash trading, with buyers jumping by 44.08%.

BNB Chain dropped to third at $7.77 million, registering a drop of 18.84% to $9.62 million. The network saw about $20,584 in wash trading, with buyers rising by 41.76%.

Polygon came fourth with $6.06 million, a rise of 44.33% from last week’s volume of $4.12 million. The blockchain registered $10.59 million in wash trading, which brought its total to $16.65 million. It also registered a rise in buyers, a rise of 31.63% to 56,606.

Mythos Chain rose to fifth at $5.46 million, rising 71% from last week’s $3.22 million. The blockchain saw a 22.32% rise in buyers to reach 27,248.

Immutable and Solana took the sixth and seventh spots, respectively. Immutable held the sixth position at $3.20 million, seeing a 0.88% drop from last week’s $3.19 million. Buyers rose by 38.96% to 5,079. Meanwhile, Solana registered a volume of $2.93 million, down 23% from last week’s $3.96 million. The network saw its buyers go up by 29.43%.

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Hong Kong’s push to develop a global digital-asset hub is entering a new phase as international tax authorities move to require greater reporting and information sharing in crypto markets.

The city is moving toward adopting the OECD’s Crypto Asset Reporting Framework, or CARF, a global tax transparency regime that would require centralized crypto exchanges to collect and share transaction data with tax authorities.

Crypto assets could fall under the same rigorous reporting system that already governs traditional offshore bank accounts.

For Hong Kong authorities, CARF requires a delicate balance of enforcing tougher oversight without undermining its appeal as a digital asset industry hub.

A crypto reality check

“Crypto trading is no longer considered a fringe activity. It’s a permanent feature of global markets,” said Calix Liu, founder of Hong Kong-based crypto and tax consulting firm FinTax.

“Once regulators accepted that reality, the lack of reporting rules from the early years became a serious problem.”

Liu said the regulatory vacuum before 2018 paved the way for large sums of money to move without clear disclosure requirements.

“The anonymous nature of crypto transactions made it easier for people to hide taxable income, which was also made easier by the lack of a reporting framework,” he said.

The proposal comes as governments worldwide step up efforts to close tax gaps created by digital assets. More than 70 jurisdictions have committed to adopting CARF, with the OECD and G20 aiming to roll out global crypto reporting between 2027 and 2028.

Crypto is booming in Hong Kong

Hong Kong has been praised as one of the most crypto friendly cities in the world. The Crypto Friendly Cities Index awarded the city second place after Ljubljana, Slovenia in 2025. Meanwhile, the city’s blockchain application sector grew by a staggering 250% between 2022 and 2024.

Over the same period, the number of digital asset and crypto firms increased by almost 30%, according to industry data.

Hong Kong’s international business appeal also puts pressure on authorities to modernize tax and reporting systems around decentralized finance. The OECD has warned that the rapid expansion of crypto trading has outpaced existing global tax reporting rules and risks eroding “recent gains in global tax transparency.”

Hong Kong is holding a public consultation on CARF adoption until early 2026.

But rules are outdated

Hong Kong’s existing tax rules were never built with crypto in mind. It currently relies on the OECD’s Common Reporting Standard, or CRS, which struggles to trace digital assets, said Stefano Passarello, chief value officer at Monx Team, a tax accounting firm in Hong Kong.

“The existing CRS was never designed for wallets, exchanges, or decentralized platforms, which has left blind spots where wealth could move without touching a reportable bank account,” said Passarello.

It’s a system that has come under international scrutiny. During an OECD peer review, Hong Kong’s CRS penalties were criticized as being “relatively mild” and insufficiently proportionate to the scale of non-compliance.

The penalty structure reduced incentives for banks to invest heavily in compliance. Passarello explained that a bank that failed to report a handful of overseas accounts would face the same penalties as one that failed to report thousands.

Credibility at stake

Noam Noked, associate professor of law at the Chinese University of Hong Kong, said the new tax rules are a matter of maintaining Hong Kong’s international reputation.

“Hong Kong always aims to be fully compliant with international tax standards and anti-money laundering standards. It’s an international finance and trade center and it wants to make sure it isn’t at risk of being blacklisted by other countries or international organizations.”

Passarello also believes that Hong Kong’s interest in CARF is closely tied to protecting its reputation with global standard setters.

“Hong Kong is basically signing up to CARF to stay in the good books of the OECD and keep its image as a clean, serious financial centre,” Passarello said. “With licensed exchanges, ETFs and large volumes now part of the core market, ignoring tax transparency on crypto flows would be a bad look.”

But mandatory registration would also mean more companies that previously sat in a gray area would need to conduct proper due diligence and set up exchange workflows.

“Smaller businesses will feel the cost and administrative burden the most, from fixing old client data to building systems that were never designed for CRS or CARF,” said Passarello.

According to Noked, CARF obligations may extend beyond traditional crypto exchanges to other crypto projects that facilitate altcoin transactions as part of their business.

“These players will need to assess the implications for their business,” he said. “If exchange transactions form only one component of a broader crypto project, businesses need to consider whether they want to pursue that and whether to separate it from the project’s non‑exchange‑related activities.”

Enforcement is the real test

Some experts caution that CARF’s effectiveness depends less on design and more on how effectively it’s enforced.

Noked warns that even robust reporting rules could simply push activity away from centralized exchanges and toward peer-to-peer systems like self-custodied wallets that are harder to monitor.

CARF marks a shift from promoting innovation to proving enforcement credibility. Hong Kong’s crypto strategy is not simply whether it adopts CARF but how it tackles the trade off between competitiveness and compliance.

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Pakistani authorities have busted a $60 million international crypto fraud network. The authorities said they carried out the crackdown on perpetrators of several unregulated trading schemes, arresting more than 34 suspects.

The development comes as the country continues its shift towards a formal crypto regime amid moves to open the industry up to licensed global companies.

The operation was led by the National Cyber Crime Investigation Agency (NCCIA), targeting a network accused of running a fraudulent crypto and foreign exchange investment platforms that targeted victims both locally and internationally.

Pakistani authorities claimed that the group promoted their fraudulent schemes on social media, luring users with the promise of high returns.

Law enforcement nabs crypto fraud network

According to Pakistani authorities, victims were initially shown fabricated proof of profits to build confidence before being asked to pay additional fees under various pretexts. Once their victims commit larger sums, the perpetrators move to block their accounts and steal their funds.

Proceeds were routed through several bank accounts before they were moved into digital assets and then moved across borders.

The latest effort marks a major move by law enforcement as part of a broader effort to eliminate the type of unregulated, cross-border activity that has flourished in the absence of regulations in the crypto industry in Pakistan.

The bust also comes as Islamabad rolls out a new licensing regime for virtual assets under its dedicated regulator, the Pakistan Virtual Assets Regulatory Authority (PVARA). The authority has been tasked with bringing crypto activities under formal supervision.

PVARA has also been charged with focusing on licensing, anti-money laundering controls, and consumer protection.

The enforcement action and the regulatory rollout point to a clear strategy. The authorities are moving aggressively to shut down illicit operators while creating a legal pathway for large, compliant firms to enter one of the most active crypto markets in the world.

According to Bilal Bin Saqib, chairman of PVARA, the efforts of PVARA will provide support to the 40 million user base in the market.

Pakistan continues to make moves in the crypto industry

Aside from its regulatory push and enforcement against illicit actors, PVARA has issued No Objection Certificates (NOCs) to Binance and HTX. The certificates will allow both firms to kickstart their licensing processes. They are expected to register with the country’s Anti-Money Laundering system, which will prepare them for a full licensing application.

“This phased approach allows us to begin providing AML-registered cross-border services to Pakistani users while we continue working closely with PVARA toward full authorization,” Binance said in a statement.

According to a previous Cryptopolitan report, Pakistan also signed a memorandum of understanding (MoU) with Binance. Under the terms of the agreement, the exchange is expected to provide guidance to the country as it prepares to explore tokenizing up to $2 billion in state-owned assets.

Binance will provide expertise on blockchain-based distribution of treasury bills and commodity reserves, including gas, metals, and commodities.

In addition, Pakistan recently announced plans to launch its first stablecoin as it continues to eye the launch of a central bank digital currency (CBDC).

“We want to be at the forefront of this financial digital innovation that is happening. Why should we be at the tail-end of it when we have the muscle and the adoption?” Bilal Bin Saqib said.

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