Crypto microloans are experiencing a dramatic resurgence, fueled by a broader revival in digital asset markets closely tied to US President Donald Trump’s pro-crypto stance. Three years after a devastating market crash triggered a wave of bankruptcies across the crypto lending sector , a new crop of startups is aggressively re-entering the space. They possess unsecured, tech-driven lending models — and no collateral required. These ventures are riding a wave of investor optimism reignited by Trump’s pro-crypto agenda and the sharp rebound in the broader crypto market. At the forefront is Divine Research, a San Francisco-based firm that has issued more than 30,000 uncollateralized microloans since December. Working alongside OpenAI CEO Sam Altman’s eye-scanning crypto identity project , Worldcoin, Divine says it’s helping individuals excluded from traditional finance access short-term loans under $1,000, denominated in Circle’s USDC stablecoin. According to Diego Estevez, Divine’s founder, this is microfinance on steroids. He continued to say that they were lending to everyone from high-school teachers to fruit vendors — anyone with internet access. Divine’s model hinges on Worldcoin’s biometric verification. Once a borrower scans their iris, the system ensures they can’t re-enter the platform under a new identity if they default. Despite default rates of 40% on first-time loans, Estevez claims high interest rates of 20–30% and partially reclaimable tokens balance the risk. He also said individual depositors fund the loans, incentivized by promises of consistent yields. Crypto credit startups embrace programmable trust and AI Divine isn’t alone. 3Jane, a crypto credit startup backed by Paradigm (an early FTX investor), recently raised $5.2 million in seed funding. It offers unsecured USDC credit lines via Ethereum smart contracts, though it requires “verifiable proofs” of financial standing — such as bank statements or crypto holdings — rather than collateral. The firm sells defaulted loans to US debt collectors and is working on AI-powered agents that obey debt covenants automatically, potentially allowing lower interest rates. Meanwhile, Wildcat, another rising protocol, caters to market makers and crypto trading firms by offering customized, undercollateralized credit facilities. Over $170 million has already been lent through its Ethereum-based platform. Like competitors Clearpool and TrueFi, Wildcat allows borrowers to define terms like maturity and loan caps, while lenders self-organize in case of default. “We’re seeing a shift toward programmable trust,” said Evgeny Gaevoy, Wildcat adviser and Wintermute CEO. “In the absence of collateral, reputation and transparency become everything.” Wall Street, AI, and biometrics fuel high-stakes reboot of crypto lending The crypto lending revival comes as Bitcoin prices hit new highs and traditional finance warms to digital assets. Cantor Fitzgerald recently launched a $2 billion “Bitcoin Financing Business”, and JPMorgan is reportedly exploring crypto-backed loans. Even Coinbase is experimenting with AI agents embedded with crypto wallets, developed in collaboration with Altman’s OpenAI, that could one day autonomously manage loans and repayments. Still, memories of the 2022 crypto lending crash — marked by the collapses of Celsius and Genesis — loom large. Celsius’s CEO, Alex Mashinsky, is serving 12 years for fraud, while Genesis agreed to a $2 billion settlement in a lawsuit over defrauding 230,000 investors. Despite those risks, startups like Divine are betting that biometrics, blockchain, and AI can reboot crypto credit models for a new era where loans aren’t backed by assets, but by identity, algorithmic enforcement, and yield-seeking investors. Your crypto news deserves attention - KEY Difference Wire puts you on 250+ top sites
With crypto inflows rising and Fed criticism peaking, Rieder’s support for rate cuts may shift the macro winds this week.
While you were scrolling, Mutuum Finance (MUTM) quietly entered Phase 6 of its presale and posted a 20% gain. Yet, surprisingly, hardly anyone is talking about this exciting development—yet. As DeFi steadily moves beyond mere hype, projects like Mutuum Finance (MUTM) are leading the way by blending innovative lending with sustainable token rewards, capturing real attention from savvy investors who understand what comes next. The ground of decentralized finance is evolving. No longer just about quick flips or memecoins, the new wave focuses on hybrid lending platforms that provide consistent returns while preserving asset exposure. Mutuum Finance (MUTM) nails this with its unique approach, combining mtToken staking rewards and a dual lending model designed for all types of crypto holders. This isn’t just another DeFi token—it’s a system built for real-world usability and growth. Epic $100K Giveaway Adding to the excitement, Mutuum Finance (MUTM) offers a $100,000 giveaway that rewards ten lucky winners with $10,000 each in MUTM tokens. The project is backed by a rigorous CertiK audit, scoring 95.00 on Token Scan and 78.00 on Skynet—both industry-leading marks reflecting robust security and reliability. When the token generation event (TGE) happens, the beta platform will launch simultaneously, ushering in an era of seamless DeFi experiences on Layer-2 technology. This integration delivers near-zero gas fees and instant transactions, effectively removing the biggest barriers for everyday users to engage with DeFi lending and staking. P2P and P2C Model Mutuum Finance (MUTM) is set to reshape decentralized lending with its two-tiered approach: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. These distinct models are designed to accommodate both conservative investors and high-risk traders as the platform prepares to launch. Once live, the P2C model will enable users to deposit major cryptocurrencies and stablecoins into smart contracts and receive 1:1 mtTokens in return—such as mtSOL for Solana deposits. These tokens are engineered to accrue interest automatically, allowing users to earn passive yield while holding onto the price upside of their original assets. For example, a $10,000 deposit in SOL may offer borrowing power up to $7,500 in DAI (based on a 75% LTV). This setup is expected to give users access to flexible liquidity for trading or farming strategies—without selling their long-term assets. On the other side, Mutuum Finance (MUTM)’s upcoming P2P model will cater to more risk-tolerant users, allowing individuals to post tokens like SHIB or DOGE as collateral. Lenders and borrowers will be able to negotiate custom terms—interest rates, durations, and repayment schedules—without exposing the primary liquidity pools to the volatility of meme coins. This separation of risk is part of Mutuum Finance (MUTM)’s commitment to building a balanced, sustainable DeFi ecosystem. Currently, Mutuum Finance (MUTM) is advancing through Phase 6 of its presale, with over 14,500 holders already on board and more than $500,000 raised. The token price sits at $0.035 for now—but this is expected to rise to $0.04 in Phase 7, marking a 15% jump. With a capped supply of 4 billion tokens, the window for early entry is closing fast. For investors looking to secure MUTM before launch, the opportunity to buy at a discount won’t last long. Riding the Wave: Investment Projections and FOMO One early Mutuum Finance (MUTM) investor put in $4,000 during Phase 1 and now holds 400,000 MUTM tokens. At current presale prices, that investment is valued at approximately $14,000, showcasing strong early-stage growth. Analysts closely following the project forecast that MUTM will hit $0.15 by early 2026, representing a 3.5x gain from today’s prices and an impressive 15x return from initial stages. These predictions come from a respected DeFi analyst credited with correctly calling DOT’s surge in early 2021 and DOGE’s viral breakout, making this forecast far from speculative hype. As Ethereum (ETH) continues its upward momentum and the market increasingly embraces Layer-2 DeFi solutions, capital flows are shifting rapidly. Investors who once held passive ETH positions are now actively reallocating into tokens like MUTM that combine staking rewards with solid lending fundamentals. With only 5% of Phase 6 tokens sold, the opportunity to enter at $0.035 is fleeting. Once the price rises to $0.04 in the next phase, latecomers will face a higher entry barrier. This is more than a token sale; it’s a chance to join a community at the forefront of decentralized finance’s future. Mutuum Finance (MUTM) is not just going viral—it’s gearing up to be a lasting player in the billion-dollar DeFi arena. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses. The post Mutuum Finance (MUTM) Is Going Viral, Phase 6 Has Already Hit With 20% Gains While You Scroll appeared first on Times Tabloid .
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XRP saw solid volume drop, which can create ground for further correction
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The crypto market is witnessing early signs of a brewing altcoin season. Ether (ETH) has been outperforming bitcoin (BTC), a sign that investors are beginning to rotate capital from the latter to the former. According to a weekly CryptoQuant report , a continuation of the current market trend could lead to a full-blown altseason, where bitcoin stalls and altcoins take off, raking in massive gains for investors. Investors Rotate capital to Altcoins For most of this bull cycle, ETH has underperformed against BTC. However, the situation has reversed. The relative price of ETH to BTC has surged from 0.018 to 0.031, reaching its highest level since January 24. The shift in ETH performance started after the ETH/BTC Market Value to Realized Value (MVRV) ratio fell into the extremely undervalued territory in April. This ratio has acted as resistance since early 2023. ETH has now recovered and outperformed BTC by 72%. CryptoQuant analysts suggest that the ratio could rise further if it surpasses its 365-day moving average, with ETH potentially outperforming BTC even more. With ETH receiving more capital now, the asset’s spot trading volume is exceeding that of bitcoin’s. For the first time in more than a year, the weekly spot trading volume for ETH surpassed that of bitcoin. ETH recorded $25.7 billion last week, while BTC saw $24.4 billion within the same period. Analysts revealed that this is the first time since June 2024 that ether’s weekly spot trading volume has exceeded bitcoin’s. This means the ETH/BTC trading ratio is above 1. Overall altcoin trading volume has increased to the highest level since March. This metric totaled $67 billion on July 17, a figure the market has not seen since March 2. The growth indicates a renewed interest in altcoins among investors. ETH Sees Less Selling Pressure Than BTC Furthermore, crypto investors are injecting more capital into U.S. spot Ethereum exchange-traded funds (ETFs) compared to their Bitcoin counterparts. Ethereum ETF allocations are growing faster than Bitcoin’s, as seen in the ETH/BTC ETF Holding Ratio climbing from 0.05 to 0.12. Meanwhile, the ETH/BTC exchange inflow ratio, which measures selling pressure for the two assets, declined in May to its lowest level since 2020. The drop signaled that ETH was facing much lower selling pressure than BTC. Although the ratio has increased since then, it is still far from extremely high levels, which is a bullish signal – ETH could continue to outperform BTC. The post Bitcoin Takes a Backseat as Investors Rotate Capital to ETH and Altcoins: CryptoQuant appeared first on CryptoPotato .
Bitcoin ( BTC ) could still reach the $130,000 mark, with the Market Value to Realized Value (MVRV) Extreme Deviation Pricing Bands highlighting a crucial range to watch for this milestone. According to on-chain analytics platform Glassnode , the metric suggests that as long as Bitcoin holds above the $110,000 support level, there is room for a renewed push toward an all-time high. Currently trading around $118,000, Bitcoin remains in a zone of growing optimism, but it has not yet reached the euphoric levels typically seen near market tops. Bitcoin MVRV pricing bands. Source: Glassnode The MVRV model, which compares Bitcoin’s current price to the average price at which coins were last moved, helps gauge whether the asset is overvalued or undervalued. Since early 2023, Bitcoin has steadily climbed, typically gaining momentum after clearing major technical levels. The asset is now approaching a historical zone that has often preceded previous peaks. To break above $130,000, Bitcoin must maintain its position above $110,000, now considered a key support level. Holding this level could pave the way for further upside, while a drop below it may delay a breakout. Bitcoin yet to hit euphoric levels At the same time, on-chain analyst Ali Martinez noted on July 26 that Bitcoin’s current rally still has room to run. He pointed out that while the asset has climbed to around $120,000, capital inflows into the broader crypto market remain relatively modest, suggesting investor sentiment hasn’t yet overheated. Cryptocurrency market aggregate market realized value chart. Source: Glassnode Martinez, citing Glassnode data, highlighted that aggregate inflows stand at roughly $82 billion, well below the $135 billion seen in December 2024, when Bitcoin was trading near $96,000. This divergence implies that, despite rising prices, ‘there’s still room to grow before we reach peak euphoria’. Bitcoin price analysis As of press time, Bitcoin was consolidating at $118,318, up 0.8% on the day but down 0.13% over the past week. Bitcoin seven-day price chart. Source: Finbold Meanwhile, technical indicators support the possibility of continued strength. For instance, Bitcoin is trading well above its 50-day simple moving average ( SMA ) of $110,580 and 200-day SMA of $90,392, both signs of a sustained uptrend. On the other hand, the 14-day Relative Strength Index ( RSI ) stands at 60.43, indicating bullish momentum without signaling overbought conditions. Featured image via Shutterstock. The post Here’s the key level Bitcoin must hold to claim $130,000 as ‘peak euphoria’ looms appeared first on Finbold .
Windtree Therapeutics (WINT), a biotech firm listed on Nasdaq, has recently made headlines by venturing into the cryptocurrency space, particularly focusing on Binance Coin (BNB). Just over a week after raising $60 million, the company announced a substantial partnership with Build and Build Corporation, unveiling a $200 million securities purchase agreement aimed at establishing a dedicated BNB treasury. In a surprising turn of events just six days later, the firm disclosed a strategic partnership with Kraken, which will reportedly provide services such as custody, trading, and over-the-counter (OTC) solutions for Windtree’s newly formed BNB treasury strategy. Windtree Therapeutics Partners With Kraken According to the announcement, the biotech firm and the US-based cryptocurrency exchange have signed a term sheet that will be formalized into a definitive agreement pending shareholder approval of Windtree’s securities purchase agreement. This partnership is said to open the door for potential future subscriptions of up to $140 million, led by Build and Build Corporation, further solidifying Windtree’s dive into the cryptocurrency ecosystem. Related Reading: Is $1 Dogecoin ‚Inevitable‘? Analyst Cites Perfect Storm Of Factors By aligning with Kraken, Windtree aims to leverage the exchange’s security, liquidity, and expertise in digital asset management. Notably, Windtree distinguishes itself as the first Nasdaq-listed company to offer direct exposure to the BNB token, which ranks as the fifth-largest digital asset by market capitalization, exceeding $100 billion. Kraken’s infrastructure is expected to play a vital role in ensuring the secure custody and efficient trading of BNB assets. The exchange’s over-the-counter desk will facilitate transactions related to Windtree’s Binance Coin treasury strategy. The Key To Windtree’s BNB Strategy Success Jed Latkin, Chief Executive Officer of Windtree, expressed enthusiasm about the partnership, stating: We are excited to partner with Kraken, a trusted leader in the cryptocurrency industry, to support our groundbreaking BNB strategy. Kraken’s expertise and secure platform will strengthen our ability to deliver unparalleled exposure to the Binance ecosystem, creating significant value for our shareholders. Related Reading: Crypto Founder Reveals What Will Drive Ethereum Price To $10,000 David Olsson, Global Head of Institutional Client Solutions at Kraken, echoed this sentiment, emphasizing the exchange’s commitment to expanding access to BNB and the Binance Smart Chain. “Our deep liquidity and industry-leading security infrastructure allow us to deliver bespoke solutions tailored to the needs of corporate treasury teams,” he added. “With qualified custody, a leading staking platform, and seamless OTC execution, we’re well-positioned to support Windtree as they execute their digital asset strategy with confidence and precision.” As of this writing, Binance Coin is trading at $782, marking a 20% surge over the past month. This makes it one of the top performers among the ten largest cryptocurrencies in the market over this period. Yet, the token has a 3% gap from its record high of $809. Featured image from DALL-E, chart from TradingView.com
The crypto industry’s effort for a more supportive regulatory environment in the US has paid off throughout the year, as evidenced by a recent report from The Hill highlighting the rapid expansion of crypto lobbying efforts. According to a recent report by The Hill, at least 27 crypto companies and advocates have submitted their first lobbying disclosures over the past months, reflecting a growing desire to influence legislation that could shape the future of digital assets. KuCoin Tops Lobbying Expenditures At $1 Million Per the report, these called “newcomers” represent a diverse array of interests within the industry, from betting platforms like Polymarket to gaming companies creating non-fungible tokens (NFTs) related to high-profile events. Together, these entities have invested nearly $2.8 million between April and June to lobby for legislation promoting digital assets, targeting key regulatory bodies such as the Treasury Department and the Securities and Exchange Commission (SEC). This legislative effort has already yielded results. The recently signed GENIUS Act, which received bipartisan support, is regarded as a significant endorsement for the industry, with the aim of providing a new regulatory framework for stablecoins. The House has also advanced several other key bills, including the CLARITY Act and the Anti-CBDC bill, during a dedicated “crypto week,” featuring creative lobbying tactics. A total of 73 companies and associations reportedly engaged in federal lobbying activities related to cryptocurrency, spending about $11.4 million. Among the new entrants, KuCoin, a Seychelles-based cryptocurrency exchange, led lobbying expenditures with $1 million, despite being barred from operating in the US market for at least two years due to regulatory violations. Pendulum Effect In Crypto Regulation? Miller Whitehouse-Levine, CEO of the Solana Policy Institute, emphasized that the industry has struggled not with innovation, but with understanding how emerging technologies fit within existing legal frameworks. While some companies like Bitdeer Technologies, which focuses on Bitcoin (BTC) mining, continue to address currency-related issues, many firms are leveraging blockchain technology for a broader range of financial products. Polymarket, operating under the name Blockratize, allows users to place bets on various events using cryptocurrencies, while Gala Games sponsored the White House’s Easter Egg Roll, promoting their online gaming platform that rewards players with crypto tokens. Looking forward, the crypto industry is keen to see the Senate advance the CLARITY Act, which aims to provide a regulatory blueprint for federal oversight of crypto firms. Additionally, a bill banning the Federal Reserve (Fed) from issuing its own digital asset or central bank digital currency (CBDC) has garnered interest from within the sector. However, Whitehouse-Levine expressed concerns about the potential for regulatory shifts, fearing a return to the cautious stance that characterized previous administrations. “The pendulum has swung from one extreme to another,” he noted, highlighting the need for consistent and stable regulatory conditions to foster growth and innovation in the industry. Featured image from DALL-E, chart from TradingView.com