The post Undervalued Crypto With Real Utility? This $0.03 Lending Token Could Do What Binance Coin (BNB) Did in 2020 appeared first on Coinpedia Fintech News In the crypto space, utility-driven tokens have historically demonstrated explosive growth, with Binance Coin (BNB) standing out as a prime example. Back in 2020, BNB transformed from a simple exchange token into a powerhouse by expanding its ecosystem and offering tangible utility. Mutuum Finance (MUTM) , currently priced at just $0.03 during its presale Phase 5, is positioned to follow a similar trajectory, backed by a comprehensive lending ecosystem, unique token utility, and strategic technological advances. This makes MUTM a highly compelling opportunity for investors looking to enter a project with strong fundamentals and imminent catalysts. Back in 2020, Binance Coin (BNB) was trading under $10—ignored by most while a handful of early investors quietly stacked life-changing positions. Fast forward, and BNB hit nearly $700, turning modest entries into multi-million-dollar wins. Today, Mutuum Finance (MUTM) sits at just $0.03 in its Phase 5 presale, and whales are already moving in. Over 50% of this phase is sold out, and the price will soon rise to $0.035, eventually hitting $0.06 by Phase 11. The setup is eerily familiar: a low-cap token with real demand on the horizon, quietly building before the breakout. Analysts suggest a climb to $0.40 or more post-listing—a 13x gain from today’s entry. That means a simple $2,000 investment now could return $26,000+. Ignore it like people ignored BNB, and you’ll watch others cash out from the sidelines. The window is closing fast. A Lending Ecosystem Built for Flexibility and Growth Mutuum Finance (MUTM) is designed as a decentralized, non-custodial liquidity protocol featuring two distinct lending models: peer-to-contract (P2C) and peer-to-peer (P2P). The P2C model targets stable and widely accepted cryptocurrencies like ETH, BTC, and ADA. Here, users deposit assets into shared liquidity pools managed by audited smart contracts. Borrowers then take out overcollateralized loans from these pools with interest rates dynamically adjusting based on real-time supply and demand. This creates an efficient, self-regulating lending environment that optimizes capital utilization while protecting liquidity providers. What truly differentiates Mutuum Finance (MUTM) is its P2P lending model. Unlike traditional platforms, this model supports speculative and niche tokens—including popular meme coins such as Dogecoin (DOGE) and Pepe (PEPE). In the P2P setup, lenders and borrowers negotiate custom loan terms directly, including interest rates and durations. This allows for higher returns that match the elevated risk profile of these volatile assets. By isolating speculative loans from the core liquidity pools, Mutuum preserves protocol stability while expanding earning opportunities for users who seek to leverage emerging tokens. Another innovative element is the introduction of mtTokens, which represent deposited assets plus accrued interest. These ERC-20 compliant tokens will not only track users’ shares in the liquidity pools but can also be staked in designated contracts to earn additional dividends. This creates multiple passive income streams for users—interest from lending and rewards through staking—maximizing the return on capital within the Mutuum ecosystem. Robust Foundations Supporting Future Expansion Mutuum Finance (MUTM) is designed with scalability and security at its core. The protocol will integrate Layer-2 technology to enable faster transactions with significantly lower fees, addressing common DeFi challenges such as network congestion and prohibitive gas costs. This technical edge will ensure a smoother user experience and attract more participants as the platform scales. Security is a top priority for Mutuum. The protocol has undergone a thorough CertiK audit, a recognized benchmark for smart contract security. The audit includes static analysis and manual review, with a strong Token Scan score of 95.00 and a CertiK Skynet score of 76.50. This thorough vetting bolsters confidence in the platform’s safety and readiness for mainstream adoption. Adding further depth to its ecosystem, Mutuum will launch a decentralized, overcollateralized stablecoin. This stablecoin is designed to maintain a $1 peg by adjusting borrowing interest rates and leveraging arbitrage incentives. Its issuance and burning will be strictly controlled via governance-approved “issuers,” ensuring that the stablecoin supply remains balanced and the protocol’s treasury stays secure. This stablecoin will provide additional utility and liquidity options, making Mutuum’s platform more versatile and attractive. Mutuum Finance (MUTM)’s roadmap also features a beta platform launch coinciding with the token going live, giving users early access to test and engage with the ecosystem’s full functionality. This hands-on approach will generate user feedback and community growth, accelerating adoption. Moreover, an ongoing $100,000 giveaway rewards early supporters with significant token prizes, reinforcing user engagement and creating momentum as the project moves into subsequent presale phases. The MUTM token itself is the backbone of the platform’s economic model. With a total supply capped at 4 billion tokens and over 12,550 holders so far, MUTM is still undervalued at $0.03 in Phase 5 of its presale. Users will benefit from multiple utilities: staking mtTokens will grant passive dividends funded by protocol revenue buybacks, and MUTM will be integral to future platform features. The combination of a capped supply, growing community, and active revenue distribution creates a strong value proposition for investors. Currently, Mutuum has generated approximately $11.3 million in presale funds by Phase 5, underscoring growing market interest. However, with Phase 6 approaching and token prices set to rise to $0.035, this is the last opportunity to secure MUTM at the current low price. The growing user base, combined with imminent platform launches and a robust lending model, creates a perfect storm for significant token appreciation. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance
Vitalik Buterin Imagines ‘Pluralistic’ Digital IDs to Ensure Privacy and Equal Access Ethereum co-founder Vitalik Buterin has recently outlined a new vision for digital identity systems through the idea of “pluralistic identity” to reconcile privacy, security, and equal access in the digital realm. In a recent blog post, Buterin praised innovations like zero-knowledge (ZK) proof-based IDs but warned that the majority of systems have the potential to compromise user privacy if they are not protected against centralization. Risks of a Single Digital Identity Buterin argued that even ZK-wrapped IDs, as robust as they are, are risks if platforms enforce a policy of one ID per individual. He cautioned that it would be a de facto killing of pseudonymity — a valuable component of internet freedom. “In the real world, pseudonymity typically means having several accounts,” Buterin explained. Forcing users into a single identity could expose them to excessive state, employer, or corporate surveillance. He also criticized use of “proof of wealth” as a protection against Sybil attacks, pointing out that it would disenfranchise the poor and make control more centralized. The Pluralistic Alternative To address these threats, Buterin suggested the idea of pluralistic identities — decentralized systems in which users can have multiple, socially authenticated IDs from various sources. These systems could combine authentication via social graphs, government IDs, and online platforms without allowing any one party absolute control. “Pluralistic identity is more error-tolerant,” he explained, and above all, helps those who lack access to traditional documentation, such as stateless individuals. A Hybrid Future for Digital ID Buterin sees a future where hybrid designs for identity — blending one-per-person approaches with decentralized proof technology — will be able to empower citizens without reducing liberty. He warned that when any identification system becomes too dominant, it will drift towards the centralized, less-private system. Only a pluralistic system, he argued, can ensure privacy, inclusivity, and immunity against abuse.
In a bold new claim that’s generating intense discussion in the XRP community, prominent crypto advocate Edo Farina suggests that the Bank for International Settlements (BIS), the International Monetary Fund (IMF), and the U.S. Treasury may already control a substantial portion of Ripple’s escrowed XRP. According to Farina, these acquisitions were likely secured through confidential agreements dating as far back as 2019. While there is no public evidence to confirm this, the theory has ignited speculation about Ripple’s potential ties to powerful financial institutions. Ripple Can Legally Sell Escrowed XRP Farina begins by dispelling a widespread misconception: there is no law prohibiting Ripple from selling its escrowed XRP. The escrow system, introduced in 2017, was designed to bring transparency and predictability to XRP’s circulating supply by locking up 55 billion XRP and releasing 1 billion each month. There’s absolutely no law preventing @Ripple from selling their escrowed $XRP . I’m firmly convinced that the BIS, IMF, and U.S. Treasury have already acquired a substantial portion of escrowed $XRP , with the terms of the agreements established as far back as 2019. The SEC… pic.twitter.com/jG3q2FXL46 — EDO FARINA 🅧 XRP (@edward_farina) June 27, 2025 However, this is a voluntary mechanism, not a legal obligation. Ripple retains full authority to sell, allocate, or enter into private agreements involving this XRP, provided transactions are conducted following securities laws and other applicable regulations. The Transparency Illusion: What the Ledger Shows vs. What It Doesn’t The XRP Ledger is fully transparent, allowing anyone to track the total supply, account balances, and monthly escrow releases. But as Farina points out, what the public can’t see is the nature of any behind-the-scenes deals. If Ripple entered into private agreements with institutions like the BIS, IMF, or U.S. Treasury, especially under non-disclosure agreements, the actual beneficiaries of the escrowed XRP may remain unknown. This creates a gap between what is verifiable on-chain and what may be unfolding in closed-door arrangements. SEC Lawsuit and Institutional Deals May Have Overlapped Farina further speculates that these confidential acquisitions may have occurred around 2019, a time when Ripple was strengthening relationships with global financial authorities. Notably, this is also the period leading up to the U.S. Securities and Exchange Commission (SEC)’s lawsuit against Ripple in December 2020. Farina hints that the lawsuit may have coincided with, or even helped divert attention from, the discreet accumulation of XRP by major institutions. While speculative, the theory adds a new layer to an already complex legal saga. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Ripple’s Global Financial Ties Add Credence Ripple’s extensive involvement in the international financial system gives Farina’s theory some contextual weight. The company has worked with over 40 central banks and launched pilot programs for central bank digital currencies (CBDCs) in nations like Palau and Montenegro. It is also a founding member of the Digital Pound Foundation and has collaborated with global regulators. These relationships suggest that Ripple’s strategic assets, especially its escrowed XRP, may be more deeply embedded in the future of finance than many realize. Ownership of Escrowed XRP Still Unclear Despite the transparency of the XRP Ledger, the true ownership of Ripple’s escrowed XRP remains uncertain. Farina’s assertion that global financial bodies may already own a significant portion is impossible to confirm, but it raises important questions. In a financial system increasingly shaped by private-public collaboration, what happens off-chain could be just as consequential as what is recorded on it. Edo Farina’s claims are speculative but provocative, adding fuel to ongoing debates about Ripple’s role in the evolving global monetary system. Whether or not his suspicions are eventually proven, they underscore the mystery surrounding the true fate of Ripple’s escrowed XRP. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Expert: BIS, IMF, and U.S. Treasury Own Huge Portion of Escrowed XRP Based on Agreement appeared first on Times Tabloid .
Core Scientific (CORZ) shares surged over 25% this week on news that AI-cloud provider CoreWeave revived bid negotiations with the Bitcoin mining giant after last year's rejection as too low of its $1 billion offer, and now places both companies in the center ring of a high-stakes showdown of cryptocurrency mining and artificial intelligence infrastructure. Why CoreWeave Needs Core Scientific—and Why Now CoreWeave, itself a former crypto miner, has rapidly become one of the leading providers of AI cloud infrastructure, hosting workloads for Microsoft and Meta. Its livelihood now is predicated on being able to secure massive, power-hungry data center capacity—something in which Core Scientific has plenty. The two entities already have a firm partnership, with Core Scientific to provide 590 megawatts of infrastructure by early 2026 under a $10.2 billion, 12-year agreement. This strategic alliance is the cornerstone of Core Scientific's transition from risk-thriving Bitcoin mining to high-performance computing (HPC) and artificial intelligence (AI) hosting. For CoreWeave, acquiring Core Scientific would lock up a critical source of GPU-capable data center space, giving it a competitive edge as AI demand explodes and Nvidia-based workloads become the new gold rush. Deal Terms, Valuation, and Market Reaction No final price has been disclosed but Cantor Fitzgerald analysts put the deal at over $30 a share—nearly twice its current valuation and a far cry from last year's spurned $5.75 bid. The rally, which temporarily caused the stock to halt trading, sent Core Scientific's market capitalization to nearly $5 billion, a reflection of investor confidence that AI infrastructure is now the most sought-after asset in the industry. CoreWeave's shares declined modestly on the news, as investors weigh the cost of a potential all-stock deal and the complexity of combining two capital-intensive businesses. The deal has the potential to create a vertically integrated titan, combining CoreWeave's software and cloud history with Core Scientific's physical infrastructure. What This Means for Mining Valuations and the AI Pivot The sale is emblematic of a broader movement: Bitcoin miners are racing to switch their facilities to AI and HPC workloads in order to get better margins and more certain revenues. Core Scientific's transformation already has paid off, with its valuation more than quintupling over the last year—even as Bitcoin prices and rewards have fallen through the floor. The company's Q1 2025 net income was more than $580 million, although revenue from mining collapsed after the recent Bitcoin halving. If the deal happens, it will be followed by a series of such deals in the sector as power-dense miners are placed under the scanner by AI infrastructure players as prime targets. Strategists warn that execution risks remain high: mistakes on delivering the capacity they had promised, regulatory challenges, and volatility in AI demand are all spoilers for the upside. The Crypto-AI Convergence For investors, the CoreWeave-Core Scientific drama is an education in the emerging economics of digital infrastructure. As AI workloads drive the demand for power and cooling, the lines between crypto mining and cloud computing are blurring. The merger could set a new standard for how to value the space—transitioning from pure exposure to Bitcoin prices towards a hybrid model of AI, cloud, and digital asset hosting. All signals, however, are not bullish. Insiders have been giving conflicting signals: Director Yadin Rozov just bought 30% more of the company, while CEO Adam Sullivan sold $6 million worth of shares this year. Core Scientific's revenues, meanwhile, fell 55% from last year, and the company remains exposed to both volatile Bitcoin prices and the funding requirements of AI expansion. Bottom Line CoreWeave's fresh buyout talks with Core Scientific are more than a merger—they're an indication the future of crypto mining lies in powering the AI revolution. As investors chase the next generation of digital infrastructure, the future of this deal could set valuations, strategy, and sector leadership for the decade ahead.
Bitcoin's price remains steady despite significant ETF and institutional inflows. Derivatives overshadow spot transactions, limiting upward price potential. Continue Reading: Bitcoin Price Stagnates Despite Ongoing Institutional Purchases The post Bitcoin Price Stagnates Despite Ongoing Institutional Purchases appeared first on COINTURK NEWS .
Coinbase’s recent recognition as a TIME 100 Most Influential Company underscores its pivotal role in shaping the future of cryptocurrency regulation and market growth in the United States. The exchange’s
The crypto exchange company is often used as a proxy to gauge the health and growth of the nascent crypto industry in the United States.
Crypto thefts have surged to unprecedented levels in early 2025, with North Korean hackers responsible for nearly 70% of the $2.1 billion stolen in the first half of the year.
Ripple has officially partnered with Wormhole to enhance the XRP Ledger’s interoperability, enabling seamless cross-chain asset transfers and expanding decentralized finance opportunities. This strategic integration aims to increase liquidity and
Around 70% of the $2.1 billion in crypto stolen by hackers in the first six months of 2025 was traced back to North Korea, a new report says.