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La Cryptopolitan, cercetăm, analizăm și livrăm știri - zilnic. De la actualizări de ultim moment la analize detaliate, ghiduri educaționale și informații despre piață, suntem aici pentru a vă ține informat cu știri neutre și autentice. Vă mulțumim că ne încredințați să fim sursa dumneavoastră de încredere!
La Cryptopolitan, cercetăm, analizăm și livrăm știri - zilnic.

De la actualizări de ultim moment la analize detaliate, ghiduri educaționale și informații despre piață, suntem aici pentru a vă ține informat cu știri neutre și autentice.

Vă mulțumim că ne încredințați să fim sursa dumneavoastră de încredere!
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Investors Believe This New Altcoin Is The Best Crypto Investment Before Q2 2026, Here’s WhyThe crypto market is being given a second look by investors, who believe the market is moving toward the direction of a stronger second quarter in 2026. The capital has been moving into new projects as opposed to the same large caps that supported the previous cycle.  Preliminary feeling is that Mutuum Finance (MUTM) is one of the possible best cryptos to purchase currently ahead of Q2 rearranging performance rankings. Analysts believe that the next breakout can be made by altcoins that have some connection to real use and not tokens that operate based on memes or pure momentum. Mutuum Finance fits the thesis and the figures of its presale are beginning to support that. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is a decentralized lending protocol. Users are allowed to lend, borrow and become liquidators. The protocol concentrates liquidity in a model that some commentators have likened to early Aave and Compound which they argue were some of the greatest cryptocurrency investments of their time. The first market is called P2C. Other users borrow the assets in a common pool supplied by the lender participants. The suppliers are awarded mtTokens that indicate that they own a portion of the pool and the amount of interest they obtain over a period.  The second market is P2P. It manages assets that do not necessarily fit well within a large communal pool and establishes a separate lending and borrowing setting with unique borrowing rates and Loan to Value limits.  In the case that a user pledges a 70% LTV collateral, he or she is allowed to borrow 70% of the collateral. In case volatility drives the loan to exceed the safe level, liquidators will be able to settle some debt and acquire the collateral at a discount. The design also maintains the protocol in solution when the markets are moving very quickly. The pre-sale has received massive interest. Mutuum Finance has collected $19.8 million in total. Over 18,800 holders participated and sold 830 million tokens. Mutuum Finance issued its presale at the beginning of 2025 at $0.01. Phase 7 started at $0.04, that is 300% growth since phase 1. The launch price is officially set to be $0.06. V1 Launch and Security Confidence V1 protocol is scheduled to be deployed on testnet. The team updates development show that there are Sepolia deployment and mainnet deployment. V1 also contains liquidity pools, mtTokens, debt tokens and liquidation bots. The first day one asset will be ETH and USDT with additional ones. Security has been managed prudently. The audit of the V1 protocol was done by Halborn. MUTM token also received a CertiK scan of tokens at 90 out of 100.  Certain analysts pin this degree of preparation towards the perspective that MUTM may end up being one of the finest cryptocurrency investments in the first half of 2026. Early price forecasts on the bullish side will have a value of more than the $0.10 to $0.14 range. Stablecoin and Layer 2 Alignment The on-chain lending is based on stablecoins and layer 2 networks. Stablecoins offer the predictability of prices to the borrower. The layer 2 networks facilitate gas costs that increase throughput and decrease liquidation friction. Mutuum Finance in its turn intends to align with these segments and provide stable collateral and low cost execution.  In case the crypto prices move up, the collateralized loans demand is likely to increase. This explains why there are traders who have branded MUTM as the best crypto to invest in before the next liquidity cycle. They consider it a revenue associated altcoin, but not a story only presale. In brief, Mutuum Finance has established itself as a new utility cryptocurrency with valid use, solid presale mathematics and legitimate launch implementation. When seeking the next big crypto, many investors believe MUTM has climbed that list with increased confidence. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance

Investors Believe This New Altcoin Is The Best Crypto Investment Before Q2 2026, Here’s Why

The crypto market is being given a second look by investors, who believe the market is moving toward the direction of a stronger second quarter in 2026. The capital has been moving into new projects as opposed to the same large caps that supported the previous cycle. 

Preliminary feeling is that Mutuum Finance (MUTM) is one of the possible best cryptos to purchase currently ahead of Q2 rearranging performance rankings. Analysts believe that the next breakout can be made by altcoins that have some connection to real use and not tokens that operate based on memes or pure momentum. Mutuum Finance fits the thesis and the figures of its presale are beginning to support that.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a decentralized lending protocol. Users are allowed to lend, borrow and become liquidators. The protocol concentrates liquidity in a model that some commentators have likened to early Aave and Compound which they argue were some of the greatest cryptocurrency investments of their time.

The first market is called P2C. Other users borrow the assets in a common pool supplied by the lender participants. The suppliers are awarded mtTokens that indicate that they own a portion of the pool and the amount of interest they obtain over a period. 

The second market is P2P. It manages assets that do not necessarily fit well within a large communal pool and establishes a separate lending and borrowing setting with unique borrowing rates and Loan to Value limits. 

In the case that a user pledges a 70% LTV collateral, he or she is allowed to borrow 70% of the collateral. In case volatility drives the loan to exceed the safe level, liquidators will be able to settle some debt and acquire the collateral at a discount. The design also maintains the protocol in solution when the markets are moving very quickly.

The pre-sale has received massive interest. Mutuum Finance has collected $19.8 million in total. Over 18,800 holders participated and sold 830 million tokens. Mutuum Finance issued its presale at the beginning of 2025 at $0.01. Phase 7 started at $0.04, that is 300% growth since phase 1. The launch price is officially set to be $0.06.

V1 Launch and Security Confidence

V1 protocol is scheduled to be deployed on testnet. The team updates development show that there are Sepolia deployment and mainnet deployment. V1 also contains liquidity pools, mtTokens, debt tokens and liquidation bots. The first day one asset will be ETH and USDT with additional ones.

Security has been managed prudently. The audit of the V1 protocol was done by Halborn. MUTM token also received a CertiK scan of tokens at 90 out of 100. 

Certain analysts pin this degree of preparation towards the perspective that MUTM may end up being one of the finest cryptocurrency investments in the first half of 2026. Early price forecasts on the bullish side will have a value of more than the $0.10 to $0.14 range.

Stablecoin and Layer 2 Alignment

The on-chain lending is based on stablecoins and layer 2 networks. Stablecoins offer the predictability of prices to the borrower. The layer 2 networks facilitate gas costs that increase throughput and decrease liquidation friction. Mutuum Finance in its turn intends to align with these segments and provide stable collateral and low cost execution. 

In case the crypto prices move up, the collateralized loans demand is likely to increase. This explains why there are traders who have branded MUTM as the best crypto to invest in before the next liquidity cycle. They consider it a revenue associated altcoin, but not a story only presale.

In brief, Mutuum Finance has established itself as a new utility cryptocurrency with valid use, solid presale mathematics and legitimate launch implementation. When seeking the next big crypto, many investors believe MUTM has climbed that list with increased confidence.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance
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Why did silver suddenly crash -$7?Silver tanked -7.3% on Thursday, after peaking at an all-time high of $93.7515. That comes after a four-day rally that sent it up more than 20%. Bitcoin stayed firm around $97,000 with $844 million of ETF inflows on January 14. Gold dropped 0.7%, while platinum and palladium lost more than 2%.

Why did silver suddenly crash -$7?

Silver tanked -7.3% on Thursday, after peaking at an all-time high of $93.7515. That comes after a four-day rally that sent it up more than 20%.

Bitcoin stayed firm around $97,000 with $844 million of ETF inflows on January 14. Gold dropped 0.7%, while platinum and palladium lost more than 2%.
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NCAA president urges CFTC to put college sports predictions, bets on holdThe NCAA has requested the CFTC to put a hold on college sports betting on prediction markets, emphasizing its negative effects on student-athletes. NCAA president Charlie Baker told CFTC chairman Michael Selig that the college sports association will work with the regulator to establish appropriate safeguards. In a letter to the CFTC chair dated January 14, Baker expressed concern over college sports betting via prediction market trading. He noted that protecting the well-being of student athletes and the integrity of competition are of the highest priority to the NCAA. Baker believes the growth and nature of college sports betting on prediction markets pose a significant threat to both.  Baker’s letter comes almost a month after he strongly opposed Kalshi’s reported plans to offer wagers on events on the transfer portal. Kalshi filed to accept bets on whether a player enters or withdraws from the NCAA transfer portal, or where the player would commit. However, the prediction market platform later stated that it had no immediate plans to list those portal-related contracts. Baker also supported the delayed deployment of the portal-related contracts, noting that those markets pose a threat to the competitive integrity of the recruiting processes.   NCAA president Baker stresses the need for proper safeguards  The NCAA president emphasized the importance of establishing proper safeguards, including integrity monitoring, advertising and age restrictions, preventing prop markets, and anti-harassment procedures. According to Baker, Congress needs to stabilize eligibility, while federal regulators stabilize prediction markets to establish a single set of fair and transparent standards. Baker further explained that the NCAA’s betting harm reduction program includes educating hundreds of thousands of student-athletes on the dangers of sports wagering. The association monitors over 23,000 contests annually for suspicious activity and conducts globally regarded research. Baker mentioned that the NCAA advocates for over 1,100 member schools and more than half a million student-athletes. “Given the potentially addictive and harmful nature of wagering on sports, most states restrict sports wagering to those at least 21, while college sport prediction markets often allow participants as young as 18.”  –Charlie Baker, President of the NCAA Baker believes that this minor oversight could heavily entice college students, as well as high school students, into engaging in these markets in a harmful way. He, however, noted that most states that allow legalized sports betting get a piece of the revenue to fund harm reduction programs. Sharpen your strategy with mentorship + daily ideas - 30 days free access to our trading program

NCAA president urges CFTC to put college sports predictions, bets on hold

The NCAA has requested the CFTC to put a hold on college sports betting on prediction markets, emphasizing its negative effects on student-athletes. NCAA president Charlie Baker told CFTC chairman Michael Selig that the college sports association will work with the regulator to establish appropriate safeguards.

In a letter to the CFTC chair dated January 14, Baker expressed concern over college sports betting via prediction market trading. He noted that protecting the well-being of student athletes and the integrity of competition are of the highest priority to the NCAA. Baker believes the growth and nature of college sports betting on prediction markets pose a significant threat to both. 

Baker’s letter comes almost a month after he strongly opposed Kalshi’s reported plans to offer wagers on events on the transfer portal.

Kalshi filed to accept bets on whether a player enters or withdraws from the NCAA transfer portal, or where the player would commit.

However, the prediction market platform later stated that it had no immediate plans to list those portal-related contracts. Baker also supported the delayed deployment of the portal-related contracts, noting that those markets pose a threat to the competitive integrity of the recruiting processes.  

NCAA president Baker stresses the need for proper safeguards 

The NCAA president emphasized the importance of establishing proper safeguards, including integrity monitoring, advertising and age restrictions, preventing prop markets, and anti-harassment procedures. According to Baker, Congress needs to stabilize eligibility, while federal regulators stabilize prediction markets to establish a single set of fair and transparent standards.

Baker further explained that the NCAA’s betting harm reduction program includes educating hundreds of thousands of student-athletes on the dangers of sports wagering. The association monitors over 23,000 contests annually for suspicious activity and conducts globally regarded research.

Baker mentioned that the NCAA advocates for over 1,100 member schools and more than half a million student-athletes.

“Given the potentially addictive and harmful nature of wagering on sports, most states restrict sports wagering to those at least 21, while college sport prediction markets often allow participants as young as 18.” 

–Charlie Baker, President of the NCAA

Baker believes that this minor oversight could heavily entice college students, as well as high school students, into engaging in these markets in a harmful way. He, however, noted that most states that allow legalized sports betting get a piece of the revenue to fund harm reduction programs.

Sharpen your strategy with mentorship + daily ideas - 30 days free access to our trading program
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Bitcoin climbs above $96,000 as social media sentiment turns sharply bearishSocial data from Santiment Feed suggests Bitcoin commentary on social media has turned more and more bearish as the coin’s price flipped its negative run to a 7% uptick in the last seven days. According to Santiment, markets are moving in the opposite direction of retail sentiment. Bitcoin has crossed the $95,000 mark and is changing hands 1.82% above its value 24 hours ago, and some market watchers expect the price to continue climbing towards the end of this business week.  However, social media is witnessing the most FUD seen in the last 10 days, which the social chatter analysis platform believes might push the king coin to its first revisit above $100K since last November. Fear dominates social chatter as Bitcoin price hits $97,000 Santiment’s behavioral analysis chart, which tracks Bitcoin’s market value against the ratio of positive and negative commentary on social media, showed that when Bitcoin traded in the mid-$80,000 range 30 days ago, the market sentiment was extreme fear. Greed, Neutral, Fear Index against the BTC price chart. Source: Santiment Bitcoin spent large portions of late December in this zone, with prices consolidating well below $90,000, and traders doubting any possibility for a near-term upside. When the calendar turned to January, sentiment briefly moved into the neutral zone and pushed Bitcoin above $93,000 for the first time in weeks. But that equilibrium did not last enough to map the largest coin by market cap’s course to six figures. On Wednesday, bulls finally put up a fight for BTC to climb up to a 2-month high of $97,500, but according to Santiment, the market does not currently believe it can sustain its rally. The platform suggested that this lack of conviction could become the catalyst for a positive price movement to $100,000. Market bull index records historic lows, whale exchange inflows slump from December highs Over the past six years, the Bitcoin Bull Score Index has dropped to 20 or lower only seven times. According to CryptoQuant’s BSI index, the market is currently within the seventh instance of a low bullish sentiment. Yet, Binance exchange flow since the beginning of 2026 counted whale transfers reaching approximately 15,800 BTC, significantly lower than December’s total of about 37,133 BTC. Binance whale inflows so far this year amount to 42.5% of the volume recorded in December.  When compared with the total Bitcoin transferred to Binance since the New Year, nearly 75,800 BTC, whales accounted for only 20.85% of total inflows. Lower whale activity on exchanges spells the end for selling, and when coupled with a 10% price uptick in the last two weeks, Bitcoin holders might be confident of a six-figure comeback before the end of January. Moreover, Glassnode analysts mentioned that long-term holders are realizing profits at a far slower pace than during the previous cycle, which could further lessen the sell signals on the market. The Long-Term Holder Supply Distribution Heatmap shows a dense cost-basis cluster between $93K and $109K, forming a substantial overhead supply zone. Any sustained push higher must first absorb this supply, with a decisive breakout above this range typically required to reopen… https://t.co/m1oD2wiuxl pic.twitter.com/3nKtF7cMbD — glassnode (@glassnode) January 13, 2026 When Bitcoin traded well above $100,000 in last year’s peak spells, these holders were offloading more than 100,000 BTC per week in realized profits, equivalent to $9.62 billion, but they are now selling approximately 12,800 BTC per week. “This moderation suggests profit-taking remains active, but far less aggressive than during prior distribution phases,” Glassnode said in a recent note. Bitcoin support level peaks $90,000, old holdings yet to enter markets According to CryptoQuant contributor Carmelo_Alemán, Bitcoin confirmed its new support level by breaking above the $94,200 resistance level and then surging to the $97,500 zone, amid the heavy pessimism seen on social media platforms.  Alemán supported his theory with the Value Days Destroyed indicator, a chart of the average age of coins being spent on the network and by how long coins remained inactive before moving. So far in January, the VDD reading is near a historical low of 0.53, which means that “young coins” are changing hands more than older holdings. Long-term investors are not aggressively distributing their positions, and the trend would likely continue as prices recover toward six-figure territory. “When Bitcoin’s price rises while VDD remains low, the market tends to be in a healthy expansion phase, where demand absorbs the available supply without generating structural selling pressure. A sustained increase in the indicator would signal distribution from long-term holders,” the analyst concluded. The smartest crypto minds already read our newsletter. Want in? Join them.

Bitcoin climbs above $96,000 as social media sentiment turns sharply bearish

Social data from Santiment Feed suggests Bitcoin commentary on social media has turned more and more bearish as the coin’s price flipped its negative run to a 7% uptick in the last seven days.

According to Santiment, markets are moving in the opposite direction of retail sentiment. Bitcoin has crossed the $95,000 mark and is changing hands 1.82% above its value 24 hours ago, and some market watchers expect the price to continue climbing towards the end of this business week. 

However, social media is witnessing the most FUD seen in the last 10 days, which the social chatter analysis platform believes might push the king coin to its first revisit above $100K since last November.

Fear dominates social chatter as Bitcoin price hits $97,000

Santiment’s behavioral analysis chart, which tracks Bitcoin’s market value against the ratio of positive and negative commentary on social media, showed that when Bitcoin traded in the mid-$80,000 range 30 days ago, the market sentiment was extreme fear.

Greed, Neutral, Fear Index against the BTC price chart. Source: Santiment

Bitcoin spent large portions of late December in this zone, with prices consolidating well below $90,000, and traders doubting any possibility for a near-term upside.

When the calendar turned to January, sentiment briefly moved into the neutral zone and pushed Bitcoin above $93,000 for the first time in weeks. But that equilibrium did not last enough to map the largest coin by market cap’s course to six figures.

On Wednesday, bulls finally put up a fight for BTC to climb up to a 2-month high of $97,500, but according to Santiment, the market does not currently believe it can sustain its rally. The platform suggested that this lack of conviction could become the catalyst for a positive price movement to $100,000.

Market bull index records historic lows, whale exchange inflows slump from December highs

Over the past six years, the Bitcoin Bull Score Index has dropped to 20 or lower only seven times. According to CryptoQuant’s BSI index, the market is currently within the seventh instance of a low bullish sentiment.

Yet, Binance exchange flow since the beginning of 2026 counted whale transfers reaching approximately 15,800 BTC, significantly lower than December’s total of about 37,133 BTC. Binance whale inflows so far this year amount to 42.5% of the volume recorded in December. 

When compared with the total Bitcoin transferred to Binance since the New Year, nearly 75,800 BTC, whales accounted for only 20.85% of total inflows.

Lower whale activity on exchanges spells the end for selling, and when coupled with a 10% price uptick in the last two weeks, Bitcoin holders might be confident of a six-figure comeback before the end of January.

Moreover, Glassnode analysts mentioned that long-term holders are realizing profits at a far slower pace than during the previous cycle, which could further lessen the sell signals on the market.

The Long-Term Holder Supply Distribution Heatmap shows a dense cost-basis cluster between $93K and $109K, forming a substantial overhead supply zone.
Any sustained push higher must first absorb this supply, with a decisive breakout above this range typically required to reopen… https://t.co/m1oD2wiuxl pic.twitter.com/3nKtF7cMbD

— glassnode (@glassnode) January 13, 2026

When Bitcoin traded well above $100,000 in last year’s peak spells, these holders were offloading more than 100,000 BTC per week in realized profits, equivalent to $9.62 billion, but they are now selling approximately 12,800 BTC per week.

“This moderation suggests profit-taking remains active, but far less aggressive than during prior distribution phases,” Glassnode said in a recent note.

Bitcoin support level peaks $90,000, old holdings yet to enter markets

According to CryptoQuant contributor Carmelo_Alemán, Bitcoin confirmed its new support level by breaking above the $94,200 resistance level and then surging to the $97,500 zone, amid the heavy pessimism seen on social media platforms. 

Alemán supported his theory with the Value Days Destroyed indicator, a chart of the average age of coins being spent on the network and by how long coins remained inactive before moving.

So far in January, the VDD reading is near a historical low of 0.53, which means that “young coins” are changing hands more than older holdings. Long-term investors are not aggressively distributing their positions, and the trend would likely continue as prices recover toward six-figure territory.

“When Bitcoin’s price rises while VDD remains low, the market tends to be in a healthy expansion phase, where demand absorbs the available supply without generating structural selling pressure. A sustained increase in the indicator would signal distribution from long-term holders,” the analyst concluded.

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Wikipedia adaugă Microsoft și Meta în ecosistemul său de date pentru inteligență artificialăWikipedia adoptă o abordare nouă pentru a genera venituri prin facturarea firmelor mari din tehnologie pentru cantitatea masivă de date pe care o folosesc. Joi, grupul care gestionează site-ul a anunțat o serie de acorduri cu companii precum Microsoft, Meta și Amazon. De ani de zile, Fundația Wikimedia a urmărit cum gigantii tehnologici își folosesc articolele gratuite pentru a-și construi produsele. Acum, organizația nonprofit a început în sfârșit să transforme această dependență într-o sursă de venituri. În ultimul an, au semnat acorduri cu companii mai noi, cum ar fi startupul de inteligență artificială Perplexity și Mistral AI din Franța. Aceste companii se alătură unui număr tot mai mare de parteneri care includ deja Meta și Amazon, precum și Google, care a semnat un acord încă din 2022.

Wikipedia adaugă Microsoft și Meta în ecosistemul său de date pentru inteligență artificială

Wikipedia adoptă o abordare nouă pentru a genera venituri prin facturarea firmelor mari din tehnologie pentru cantitatea masivă de date pe care o folosesc. Joi, grupul care gestionează site-ul a anunțat o serie de acorduri cu companii precum Microsoft, Meta și Amazon.

De ani de zile, Fundația Wikimedia a urmărit cum gigantii tehnologici își folosesc articolele gratuite pentru a-și construi produsele. Acum, organizația nonprofit a început în sfârșit să transforme această dependență într-o sursă de venituri. În ultimul an, au semnat acorduri cu companii mai noi, cum ar fi startupul de inteligență artificială Perplexity și Mistral AI din Franța. Aceste companii se alătură unui număr tot mai mare de parteneri care includ deja Meta și Amazon, precum și Google, care a semnat un acord încă din 2022.
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Eric Adams negă că a profitat în urma prăbușirii tokenului NYC cu 80% după lansareFostul primar al orașului New York, Eric Adams, a respins acuzațiile aduse împotriva sa în legătură cu implicarea sa în NYC Token, o criptomonedă speculativă nou lansată pe care a promovat-o, considerându-le false. Unii susțineau că a transferat fonduri din portofelul asociat cu acea monedă, în timp ce alții afirmau că a profitat de aceasta. Activul digital bazat pe Solana a crescut temporar până la o valoare de piață de aproape 580 de milioane de dolari, dar s-a prăbușit rapid, lăsând mulți investitori în pierdere. Pe măsură ce acuzațiile împotriva lui Adams continuau să crească și dezbaterile din ecosistem se intensificau, Todd Shapiro, purtătorul de cuvânt al lui Adams, a postat pe X: „Pentru a fi clar: Eric Adams nu a transferat niciun fond al investitorilor. Nu a beneficiat de lansarea NYC Token. Nu a fost luat niciun ban din NYC Token.”

Eric Adams negă că a profitat în urma prăbușirii tokenului NYC cu 80% după lansare

Fostul primar al orașului New York, Eric Adams, a respins acuzațiile aduse împotriva sa în legătură cu implicarea sa în NYC Token, o criptomonedă speculativă nou lansată pe care a promovat-o, considerându-le false. Unii susțineau că a transferat fonduri din portofelul asociat cu acea monedă, în timp ce alții afirmau că a profitat de aceasta.

Activul digital bazat pe Solana a crescut temporar până la o valoare de piață de aproape 580 de milioane de dolari, dar s-a prăbușit rapid, lăsând mulți investitori în pierdere. Pe măsură ce acuzațiile împotriva lui Adams continuau să crească și dezbaterile din ecosistem se intensificau, Todd Shapiro, purtătorul de cuvânt al lui Adams, a postat pe X: „Pentru a fi clar: Eric Adams nu a transferat niciun fond al investitorilor. Nu a beneficiat de lansarea NYC Token. Nu a fost luat niciun ban din NYC Token.”
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Binance înregistrează o încetinire a depozitelor de whale în ianuarieDepozitele de whale către Binance s-au încetinit în ianuarie, după transferuri mai semnificative din decembrie. La începutul anului 2026, au fost trimiși aproximativ 15.800 BTC către exchange, semnalând un ritm mai lent al depozitelor. Datele Binance arată că de la începutul anului 2026, whale-urile au încetinit ritmul transferurilor către platformă. În decembrie, whale-urile au transferat în total 37.133 BTC. Până în prezent, transferurile către Binance sunt cu aproximativ 42,5% mai lente. Abordarea whale-urilor ar putea semnala o strategie de așteptare și observare. Influxurile de whale au dominat și față de depozitele de retail, crescând dimensiunea medie a transferurilor către Binance. Totuși, chiar și depozitele de whale pot încetini brusc, semnalând o schimbare a sentimentului pieței. Pentru moment, indicatorii BTC nu sunt încă bullish, dar ar putea indica un fund al pieței.

Binance înregistrează o încetinire a depozitelor de whale în ianuarie

Depozitele de whale către Binance s-au încetinit în ianuarie, după transferuri mai semnificative din decembrie. La începutul anului 2026, au fost trimiși aproximativ 15.800 BTC către exchange, semnalând un ritm mai lent al depozitelor.

Datele Binance arată că de la începutul anului 2026, whale-urile au încetinit ritmul transferurilor către platformă. În decembrie, whale-urile au transferat în total 37.133 BTC. Până în prezent, transferurile către Binance sunt cu aproximativ 42,5% mai lente. Abordarea whale-urilor ar putea semnala o strategie de așteptare și observare.

Influxurile de whale au dominat și față de depozitele de retail, crescând dimensiunea medie a transferurilor către Binance. Totuși, chiar și depozitele de whale pot încetini brusc, semnalând o schimbare a sentimentului pieței. Pentru moment, indicatorii BTC nu sunt încă bullish, dar ar putea indica un fund al pieței.
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Milionarii Shiba Inu (SHIB) și Dogecoin (DOGE) urmăresc cu atenție acest cripto DeFi, iată de ceO singură lucrare comună dintre investitorii devreme ai Shiba Inu și Dogecoin care au cumpărat devreme este creșterea mare pe care au realizat-o când SHIB și DOGE au crescut brusc. Majoritatea acestor investitori urmăresc acum cu atenție Mutuum Finance (MUTM), un cripto DeFi care a intrat în Faza 7 a vânzării anticipate și este evaluat la 0,04 USD. MUTM dezvoltă o platformă de împrumut și împrumut care urmărește să creeze cerere reală pe lanț prin utilizarea funcțiilor de împrumut și staking. Este considerat de mulți investitori cel mai bun cripto de cumpărat, pentru cei care doresc să capteze același tip de creștere asimetrică ca SHIB și DOGE la lansarea lor.

Milionarii Shiba Inu (SHIB) și Dogecoin (DOGE) urmăresc cu atenție acest cripto DeFi, iată de ce

O singură lucrare comună dintre investitorii devreme ai Shiba Inu și Dogecoin care au cumpărat devreme este creșterea mare pe care au realizat-o când SHIB și DOGE au crescut brusc. Majoritatea acestor investitori urmăresc acum cu atenție Mutuum Finance (MUTM), un cripto DeFi care a intrat în Faza 7 a vânzării anticipate și este evaluat la 0,04 USD. MUTM dezvoltă o platformă de împrumut și împrumut care urmărește să creeze cerere reală pe lanț prin utilizarea funcțiilor de împrumut și staking. Este considerat de mulți investitori cel mai bun cripto de cumpărat, pentru cei care doresc să capteze același tip de creștere asimetrică ca SHIB și DOGE la lansarea lor.
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BofA CEO warns against interest-bearing stablecoinsBank of America Chief Executive Brian Moynihan is telling lawmakers that forcing stablecoin issuers to pay interest could take trillions away from banks, reduce lending capacity, and raise borrowing costs in the US economy. In its latest market structure bill, unveiled on Tuesday, the Senate Banking Committee discussed restrictions on stablecoin yields. Moynihan, speaking on the competitive impact of stablecoins, said Bank of America would adapt regardless of regulatory outcomes, although he insists the banking system would face a liquidity crunch.  “So I think I would not, look, we’ll be fine. We’ll have the product. We’ll meet customer demand, whatever may surface. And so I don’t worry about it,” Moynihan surmised, before citing a US Treasury-commissioned research of how dire deposit migration could be. According to those studies, as explained by the BOA CEO, as much as $6 trillion in deposits could flow off bank balance sheets into stablecoin vehicles if consumers see themselves taking higher yields outside the regulated banking system.  Banking deposits are already low US banks are trying to reconcile the gap between what they pay depositors and what they earn on government securities, and the battle seems almost lost. Per Federal Deposit Insurance Corporation data, the national average savings accounts paying about 0.39%, checking accounts around 0.07%, and money market a meagre 0.58%, while Treasury yields stood at about 3.89% as of mid-December. Screenshot of Bank of America Q4 earnings. Source: X. The difference is a spread of about 3.82 percentage points, which is a major source of bank profitability. The traditional financial institutions could be looking to protect that margin by fighting what could help consumers count returns on their cash-like holdings. On page 189 of the Senate’s market structure bill, companies are barred from paying interest simply for holding stablecoin balances, though they may issue rewards only when linked to specific actions like opening accounts, making transactions, staking assets, providing liquidity, posting collateral, or network governance. “And the key of that is to think that the restrictions to be a stablecoin is basically think of it as a money market mutual fund concept,” Moynihan explained, adding that stablecoin reserves would be limited to deposits, central bank accounts, or short-term Treasuries, not deployed into lending. “And so when you think about that, that takes lending capacity out of the system.” The impact, according to the banking executive, would fall disproportionately on small and medium-sized businesses, which use bank credit more than capital markets.  “So I think in the end of the day, at the margin, the industry gets loaned up. And if you take out deposits, they’re not going to — they’re either not going to be able to loan or they’re going to have to get wholesale funding and that wholesale funding will come at a cost that will increase the cost of borrowing.” Congress is ‘threatening’ banks with proposed stablecoin law Moynihan is among the trading groups that are pressing legislators to account for the risks stablecoins come with for banking institutions, and he admitted that the lobbyists are uncertain what changes might be made if the bill goes through Congress unopposed. Opponents of the banking sector on social media have accused lenders of wanting to “preserve profits” at the expense of consumers. Some users on X blasted the industry’s grievances and accused banks of taking advantage of depositors. “They basically steal all the yield YOUR money earns.. giving you pennies on the dollar. Then they find a laundry list of stupid fees to charge you… Overdraft fees? Yea you got a pay them for being poor. If we draw the line against the bank lobby. Stablecoin yield is where to do it,” said one commenter responding to the BOA head’s sentiments. As reported by Cryptopolitan, the legislation was initially expected to be marked up today, but has now been pushed to the final week of January. Senate Agriculture Committee Chairman John Boozman confirmed that a scheduled markup meeting was postponed, saying lawmakers had made progress but needed more time. “I am committed to advancing bipartisan crypto market structure legislation. We have made meaningful progress and had constructive discussions as we work toward this goal,” Boozman said, thanking Senator Cory Booker’s camp for being open to discussing the unresolved policy issues. The smartest crypto minds already read our newsletter. Want in? Join them.

BofA CEO warns against interest-bearing stablecoins

Bank of America Chief Executive Brian Moynihan is telling lawmakers that forcing stablecoin issuers to pay interest could take trillions away from banks, reduce lending capacity, and raise borrowing costs in the US economy.

In its latest market structure bill, unveiled on Tuesday, the Senate Banking Committee discussed restrictions on stablecoin yields.

Moynihan, speaking on the competitive impact of stablecoins, said Bank of America would adapt regardless of regulatory outcomes, although he insists the banking system would face a liquidity crunch. 

“So I think I would not, look, we’ll be fine. We’ll have the product. We’ll meet customer demand, whatever may surface. And so I don’t worry about it,” Moynihan surmised, before citing a US Treasury-commissioned research of how dire deposit migration could be.

According to those studies, as explained by the BOA CEO, as much as $6 trillion in deposits could flow off bank balance sheets into stablecoin vehicles if consumers see themselves taking higher yields outside the regulated banking system. 

Banking deposits are already low

US banks are trying to reconcile the gap between what they pay depositors and what they earn on government securities, and the battle seems almost lost. Per Federal Deposit Insurance Corporation data, the national average savings accounts paying about 0.39%, checking accounts around 0.07%, and money market a meagre 0.58%, while Treasury yields stood at about 3.89% as of mid-December.

Screenshot of Bank of America Q4 earnings. Source: X.

The difference is a spread of about 3.82 percentage points, which is a major source of bank profitability. The traditional financial institutions could be looking to protect that margin by fighting what could help consumers count returns on their cash-like holdings.

On page 189 of the Senate’s market structure bill, companies are barred from paying interest simply for holding stablecoin balances, though they may issue rewards only when linked to specific actions like opening accounts, making transactions, staking assets, providing liquidity, posting collateral, or network governance.

“And the key of that is to think that the restrictions to be a stablecoin is basically think of it as a money market mutual fund concept,” Moynihan explained, adding that stablecoin reserves would be limited to deposits, central bank accounts, or short-term Treasuries, not deployed into lending. “And so when you think about that, that takes lending capacity out of the system.”

The impact, according to the banking executive, would fall disproportionately on small and medium-sized businesses, which use bank credit more than capital markets. 

“So I think in the end of the day, at the margin, the industry gets loaned up. And if you take out deposits, they’re not going to — they’re either not going to be able to loan or they’re going to have to get wholesale funding and that wholesale funding will come at a cost that will increase the cost of borrowing.”

Congress is ‘threatening’ banks with proposed stablecoin law

Moynihan is among the trading groups that are pressing legislators to account for the risks stablecoins come with for banking institutions, and he admitted that the lobbyists are uncertain what changes might be made if the bill goes through Congress unopposed.

Opponents of the banking sector on social media have accused lenders of wanting to “preserve profits” at the expense of consumers. Some users on X blasted the industry’s grievances and accused banks of taking advantage of depositors.

“They basically steal all the yield YOUR money earns.. giving you pennies on the dollar. Then they find a laundry list of stupid fees to charge you… Overdraft fees? Yea you got a pay them for being poor. If we draw the line against the bank lobby. Stablecoin yield is where to do it,” said one commenter responding to the BOA head’s sentiments.

As reported by Cryptopolitan, the legislation was initially expected to be marked up today, but has now been pushed to the final week of January. Senate Agriculture Committee Chairman John Boozman confirmed that a scheduled markup meeting was postponed, saying lawmakers had made progress but needed more time.

“I am committed to advancing bipartisan crypto market structure legislation. We have made meaningful progress and had constructive discussions as we work toward this goal,” Boozman said, thanking Senator Cory Booker’s camp for being open to discussing the unresolved policy issues.

The smartest crypto minds already read our newsletter. Want in? Join them.
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Privacy coins lead rally as most top $100M market capTop crypto privacy projects have outperformed in the crypto markets in 2026 due to demand for privacy cryptocurrencies that offer layers of anonymity. Most of these privacy tokens focus on concealing wallet addresses, providing transaction anonymity, and enabling sender-receiver identity features that regular blockchains cannot provide.  Top performers in 2026 include Zcash, Decred, and Dash, which have attracted investor interest alongside the established Monero token, recognized as one of the best coins of 2026. These projects aim to address the growing concern about digital monitoring across blockchains amid tight regulations. Users now seek privacy-focused blockchain solutions.  Pirate Chain token ARRR posts 168% jump this week In 2026, privacy coins are posting results that have never been seen before. For instance, Monero just posted 58% this week, Dash posted 109% in the same period, and Decred recorded 65% this week. The token movements have sparked a rally across multiple privacy-focused tokens, pushing their market caps to over $100 million and outperforming other niche cryptos.  80% of privacy tokens are up in 2026 As privacy meta continues to shine, many tokens are reaching new highs. Our data shows that 14 out of 18 privacy tokens with a $100M+ market cap have grown since January 1. Top gainers:$XNC +102%$DASH +74%$XMR +60% pic.twitter.com/eTRzwMEBGN — CryptoRank.io (@CryptoRank_io) January 14, 2026 According to CoinMarketCap data, Monero dominates the privacy niche with a market cap of approximately $12.9 billion, followed by Zcash at $7.1 billion. Litecoin trails in third place with an approximate market cap of $5.7 billion. At the time of publication, Monero was up 0.56%, trading at $699.58, while Zcash was $431.2, representing a 0.26% growth on the 24-hour chart. Litecoin token LTC was down 0.27%,% trading at $74.4 during the same period. Among the top gainers this week is the Pirate Chain token ARRR, which has posted roughly 168% growth over the past seven days, with a 28% increase on a single day. ARRR was trading at $0.664 at the time of publication. Pirate Chain’s rebound after losing almost 98% of its value from 2021’s ATH of $16.9 reflects a significant shift across the privacy-focused crypto niche.  Dash, on the other hand, shook the market this week after posting a 107% jump and the third-largest single-day rally of 32%, behind Mind Network FHE and Decred DCR, with roughly 52% and 36%, respectively. Dash, which launched almost 13 years ago, has also rebounded after losing roughly 95% of its value from an ATH of $1,642 in 2017 to the current value of $83.3. Dash peaked this week, rallying 107% and reaching a market cap of $1.02 billion.  The crypto market’s attention shifted to privacy-focused tokens, particularly Zcash, with notable trades involving ZEC. These privacy-focused projects make it impossible to trace individual transactions and the source of funds for accounts, unlike other transparent blockchains such as Bitcoin and Ethereum.  AngelList founder says Zcash is insurance against Bitcoin Naval Ravikant, founder of AngelList, posted in October that Bitcoin is insurance against fiat and Zcash is insurance against Bitcoin. This suggested that privacy and transparency had become major concerns across the industry. The developments sparked a rally across privacy-niche tokens, with the ZEC token nearly breaking its eight-year high of $703 set in 2018. ZEC recorded a high of $698 in November before dropping to $540 by the end of December.  The EU’s DAC8 directive, which became effective on January 1 2026, requiring all crypto service providers to collect user tax data based on the Cryptopolitan report, reignited the rally across the privacy niche. The Dubai Financial Services Authority added to the rally by enforcing the updated regulatory framework for crypto in the Dubai International Financial Centre, which bans privacy tokens across trading, promotions, fund activity, and derivatives. The framework further bars regulated firms from using mixers, tumblers, and other forms of obfuscation services.  According to research, privacy-focused tokens utilize advanced cryptographic tools to conceal data while ensuring that transactions across blockchains remain valid and verifiable. Tools such as Ring Signatures help conceal the true signer by blending with decoys. Other tools include Stealth Addresses, which generate one-time addresses for enhanced privacy and anonymity. zk-SNARKs, on the other hand, verify transactions without exposing underlying data, and MimbleWimble compresses data and hides transaction details for maximum anonymity. Collectively, these tools form the foundation of modern privacy technologies, strengthening anonymity across blockchains. The smartest crypto minds already read our newsletter. Want in? Join them.

Privacy coins lead rally as most top $100M market cap

Top crypto privacy projects have outperformed in the crypto markets in 2026 due to demand for privacy cryptocurrencies that offer layers of anonymity. Most of these privacy tokens focus on concealing wallet addresses, providing transaction anonymity, and enabling sender-receiver identity features that regular blockchains cannot provide. 

Top performers in 2026 include Zcash, Decred, and Dash, which have attracted investor interest alongside the established Monero token, recognized as one of the best coins of 2026. These projects aim to address the growing concern about digital monitoring across blockchains amid tight regulations. Users now seek privacy-focused blockchain solutions. 

Pirate Chain token ARRR posts 168% jump this week

In 2026, privacy coins are posting results that have never been seen before. For instance, Monero just posted 58% this week, Dash posted 109% in the same period, and Decred recorded 65% this week. The token movements have sparked a rally across multiple privacy-focused tokens, pushing their market caps to over $100 million and outperforming other niche cryptos. 

80% of privacy tokens are up in 2026

As privacy meta continues to shine, many tokens are reaching new highs.

Our data shows that 14 out of 18 privacy tokens with a $100M+ market cap have grown since January 1.

Top gainers:$XNC +102%$DASH +74%$XMR +60% pic.twitter.com/eTRzwMEBGN

— CryptoRank.io (@CryptoRank_io) January 14, 2026

According to CoinMarketCap data, Monero dominates the privacy niche with a market cap of approximately $12.9 billion, followed by Zcash at $7.1 billion. Litecoin trails in third place with an approximate market cap of $5.7 billion. At the time of publication, Monero was up 0.56%, trading at $699.58, while Zcash was $431.2, representing a 0.26% growth on the 24-hour chart. Litecoin token LTC was down 0.27%,% trading at $74.4 during the same period.

Among the top gainers this week is the Pirate Chain token ARRR, which has posted roughly 168% growth over the past seven days, with a 28% increase on a single day. ARRR was trading at $0.664 at the time of publication. Pirate Chain’s rebound after losing almost 98% of its value from 2021’s ATH of $16.9 reflects a significant shift across the privacy-focused crypto niche. 

Dash, on the other hand, shook the market this week after posting a 107% jump and the third-largest single-day rally of 32%, behind Mind Network FHE and Decred DCR, with roughly 52% and 36%, respectively. Dash, which launched almost 13 years ago, has also rebounded after losing roughly 95% of its value from an ATH of $1,642 in 2017 to the current value of $83.3. Dash peaked this week, rallying 107% and reaching a market cap of $1.02 billion. 

The crypto market’s attention shifted to privacy-focused tokens, particularly Zcash, with notable trades involving ZEC. These privacy-focused projects make it impossible to trace individual transactions and the source of funds for accounts, unlike other transparent blockchains such as Bitcoin and Ethereum. 

AngelList founder says Zcash is insurance against Bitcoin

Naval Ravikant, founder of AngelList, posted in October that Bitcoin is insurance against fiat and Zcash is insurance against Bitcoin. This suggested that privacy and transparency had become major concerns across the industry. The developments sparked a rally across privacy-niche tokens, with the ZEC token nearly breaking its eight-year high of $703 set in 2018. ZEC recorded a high of $698 in November before dropping to $540 by the end of December. 

The EU’s DAC8 directive, which became effective on January 1 2026, requiring all crypto service providers to collect user tax data based on the Cryptopolitan report, reignited the rally across the privacy niche. The Dubai Financial Services Authority added to the rally by enforcing the updated regulatory framework for crypto in the Dubai International Financial Centre, which bans privacy tokens across trading, promotions, fund activity, and derivatives. The framework further bars regulated firms from using mixers, tumblers, and other forms of obfuscation services. 

According to research, privacy-focused tokens utilize advanced cryptographic tools to conceal data while ensuring that transactions across blockchains remain valid and verifiable. Tools such as Ring Signatures help conceal the true signer by blending with decoys. Other tools include Stealth Addresses, which generate one-time addresses for enhanced privacy and anonymity. zk-SNARKs, on the other hand, verify transactions without exposing underlying data, and MimbleWimble compresses data and hides transaction details for maximum anonymity. Collectively, these tools form the foundation of modern privacy technologies, strengthening anonymity across blockchains.

The smartest crypto minds already read our newsletter. Want in? Join them.
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Fed-ul trasează o perspectivă cu riscuri mari pentru prețurile din 2026Banca Federală nu este probabil să reducă ratele dobânzilor în curând, deoarece noile date economice publicate săptămâna aceasta indică că inflația nu scade încă atât de repede cum era anticipat. Aceste date cele mai recente sunt deja analizate de experții Băncii Federale pentru a prevedea schimbările potențiale ale prețurilor până în 2026. În cadrul anului curent, aceste informații vor servi ca bază principală pentru determinarea ratelor dobânzilor. Departamentul Muncii a publicat miercuri un raport întârziat care arată o creștere cu 3% a prețurilor la amănunt în noiembrie. Aceasta a venit după o creștere de 2,8% în octombrie.

Fed-ul trasează o perspectivă cu riscuri mari pentru prețurile din 2026

Banca Federală nu este probabil să reducă ratele dobânzilor în curând, deoarece noile date economice publicate săptămâna aceasta indică că inflația nu scade încă atât de repede cum era anticipat.

Aceste date cele mai recente sunt deja analizate de experții Băncii Federale pentru a prevedea schimbările potențiale ale prețurilor până în 2026. În cadrul anului curent, aceste informații vor servi ca bază principală pentru determinarea ratelor dobânzilor.

Departamentul Muncii a publicat miercuri un raport întârziat care arată o creștere cu 3% a prețurilor la amănunt în noiembrie. Aceasta a venit după o creștere de 2,8% în octombrie.
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Oficialii ruși cer reglementarea criptomonedelor pentru a combate fraudareaRusia nu va putea combate fraudarea fără o reglementare cuprinzătoare a spațiului său cripto, au concluzionat oficiali ai afacerilor și ai guvernului din Moscova. Declarațiile apar în contextul eforturilor legislative de a atinge acest obiectiv, care au dus la un nou proiect de lege care va fi revizuit în parlament în primăvara următoare. Schimbările criptomonedelor din Rusia trebuie legalizate, susține politicianul Autoritățile trebuie să dezvolte reguli care să permită funcționarea legală a schimburilor locale de criptomonedă, a declarat Anton Gorelkin, primul adjunct al președintelui Comitetului pentru Tehnologia Informației și Comunicațiile din Duma de Stat, camera inferioară a legislativului rus.

Oficialii ruși cer reglementarea criptomonedelor pentru a combate fraudarea

Rusia nu va putea combate fraudarea fără o reglementare cuprinzătoare a spațiului său cripto, au concluzionat oficiali ai afacerilor și ai guvernului din Moscova.

Declarațiile apar în contextul eforturilor legislative de a atinge acest obiectiv, care au dus la un nou proiect de lege care va fi revizuit în parlament în primăvara următoare.

Schimbările criptomonedelor din Rusia trebuie legalizate, susține politicianul

Autoritățile trebuie să dezvolte reguli care să permită funcționarea legală a schimburilor locale de criptomonedă, a declarat Anton Gorelkin, primul adjunct al președintelui Comitetului pentru Tehnologia Informației și Comunicațiile din Duma de Stat, camera inferioară a legislativului rus.
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Ripple Price Prediction: Can XRP Gain Ground in 2026 Amid Strong Competition From This Cheapest C...Currently, XRP finds itself in a tough spot. The current price of XRP has plummeted, falling by as much as 15% in one week, although it is heartening that some devoted investors have chosen this time to invest in XRP, it is clear that this is not yet a positive trend on the market. XRP needs to break through many critical points just to halt its depreciation, and its future prospects in terms of growth in 2026 are far from clear, which is leaving many investors wondering if XRP is still the best cryptocurrency on which to invest.  At the same time, there is a shift in focus to new crypto coins with excellent plans and development activities in place. One such project that has caught the attention of many people is the Mutuum Finance (MUTM), which is considered the best cheapest crypto to buy today because of its presale price and the growth strategy in place. Instead of waiting for other assets to recover in value, MUTM provides an opportunity to earn when looking for the best crypto to buy today.  The Uphill Battle Facing XRP  The current decline in the price of XRP is a continuation of its struggles, given that the token has fallen below a number of key technical support levels that previously helped to support the price. Some holders of the token believe that a recovery is possible, and therefore they have continued to accumulate the token.  If XRP wishes to regain momentum in 2026, it has to overcome significant resistance levels, apart from the uncertainties associated with market sentiment and legal issues, without depending on new mechanisms for the generation of income. Since XRP, at the moment, lacks the mechanism for the generation of yield or passive income, the speculative nature associated with XRP makes it difficult to be perceived as the next big thing in the crypto market for steady growth. Mutuum Finance Presale Opportunity Another project that is getting popularity among the best cryptos to buy now is Mutuum Finance. The project is at Phase 7 in its presale stage, with token costs set at only $0.04. It is the most affordable option in the cryptos to buy now list, with the last opportunity to invest at this low price. It costs only $200 to buy 5,000 MUTM tokens. However, once the phase is complete, the price of the token begins to appreciate to $0.06 at launch, causing the $200 to instantly escalate to $300, which marks a $100 profit. According to market analysts, the increasing demand may drive the price up to $0.10, increasing the value of the same investment to $500. This straightforward trajectory makes MUTM one of the best cryptocurrencies to buy for short-term returns and the best cryptocurrency to invest in right now. Flexibility of Peer-to-Peer Lending In addition to presale functionality, Mutuum Finance has a real-world use case for Peer-to-Peer lending, enabling lending and borrowing of digital assets based on customized terms, which can be particularly useful for investors who hold assets that require customized terms for lending. For instance, an investor with $5,000 worth of Shiba Inu could use the money to lend at an annual rate of 12%, thus accumulating $600 within the first year without selling the investment. This addresses the question of what crypto to invest in when considering passive income and proves the point that the next big cryptocurrency could be MUTM.  Stablecoin Issuance for Safe Income Mutuum Finance will also be launching an over-collateralized stable coin. This is yet another revenue stream. Users can lock more valuable assets as collateral, like locking $15,000 of ETH to mint $10,000 of stablecoins. These stablecoins can be lent out to generate returns, and with an annual return of 10%, an investor would be able to generate $1,000 in returns per annum. This further enhances the position of MUTM as a new crypto coin with long-term value and also one of the best crypto to buy. Your Chance for Major Growth Whereas XRP struggles with achieving stability, Mutuum Finance is moving with its functional model and multiple profit-making features that appeal to today’s investors. The presale stage of Mutuum Finance represents an early entry opportunity, while its lending and stablecoin models represent ways to accumulate profits.  For those looking for the best crypto to invest in, the fact that MUTM is very inexpensive to enter and offers ways to earn and obvious growth potential makes it the best crypto to invest in as the markets change. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/  Linktree: https://linktr.ee/mutuumfinance 

Ripple Price Prediction: Can XRP Gain Ground in 2026 Amid Strong Competition From This Cheapest C...

Currently, XRP finds itself in a tough spot. The current price of XRP has plummeted, falling by as much as 15% in one week, although it is heartening that some devoted investors have chosen this time to invest in XRP, it is clear that this is not yet a positive trend on the market. XRP needs to break through many critical points just to halt its depreciation, and its future prospects in terms of growth in 2026 are far from clear, which is leaving many investors wondering if XRP is still the best cryptocurrency on which to invest. 

At the same time, there is a shift in focus to new crypto coins with excellent plans and development activities in place. One such project that has caught the attention of many people is the Mutuum Finance (MUTM), which is considered the best cheapest crypto to buy today because of its presale price and the growth strategy in place. Instead of waiting for other assets to recover in value, MUTM provides an opportunity to earn when looking for the best crypto to buy today. 

The Uphill Battle Facing XRP 

The current decline in the price of XRP is a continuation of its struggles, given that the token has fallen below a number of key technical support levels that previously helped to support the price. Some holders of the token believe that a recovery is possible, and therefore they have continued to accumulate the token. 

If XRP wishes to regain momentum in 2026, it has to overcome significant resistance levels, apart from the uncertainties associated with market sentiment and legal issues, without depending on new mechanisms for the generation of income. Since XRP, at the moment, lacks the mechanism for the generation of yield or passive income, the speculative nature associated with XRP makes it difficult to be perceived as the next big thing in the crypto market for steady growth.

Mutuum Finance Presale Opportunity

Another project that is getting popularity among the best cryptos to buy now is Mutuum Finance. The project is at Phase 7 in its presale stage, with token costs set at only $0.04. It is the most affordable option in the cryptos to buy now list, with the last opportunity to invest at this low price. It costs only $200 to buy 5,000 MUTM tokens.

However, once the phase is complete, the price of the token begins to appreciate to $0.06 at launch, causing the $200 to instantly escalate to $300, which marks a $100 profit. According to market analysts, the increasing demand may drive the price up to $0.10, increasing the value of the same investment to $500. This straightforward trajectory makes MUTM one of the best cryptocurrencies to buy for short-term returns and the best cryptocurrency to invest in right now.

Flexibility of Peer-to-Peer Lending

In addition to presale functionality, Mutuum Finance has a real-world use case for Peer-to-Peer lending, enabling lending and borrowing of digital assets based on customized terms, which can be particularly useful for investors who hold assets that require customized terms for lending. For instance, an investor with $5,000 worth of Shiba Inu could use the money to lend at an annual rate of 12%, thus accumulating $600 within the first year without selling the investment. This addresses the question of what crypto to invest in when considering passive income and proves the point that the next big cryptocurrency could be MUTM. 

Stablecoin Issuance for Safe Income

Mutuum Finance will also be launching an over-collateralized stable coin. This is yet another revenue stream. Users can lock more valuable assets as collateral, like locking $15,000 of ETH to mint $10,000 of stablecoins. These stablecoins can be lent out to generate returns, and with an annual return of 10%, an investor would be able to generate $1,000 in returns per annum. This further enhances the position of MUTM as a new crypto coin with long-term value and also one of the best crypto to buy.

Your Chance for Major Growth

Whereas XRP struggles with achieving stability, Mutuum Finance is moving with its functional model and multiple profit-making features that appeal to today’s investors. The presale stage of Mutuum Finance represents an early entry opportunity, while its lending and stablecoin models represent ways to accumulate profits. 

For those looking for the best crypto to invest in, the fact that MUTM is very inexpensive to enter and offers ways to earn and obvious growth potential makes it the best crypto to invest in as the markets change.

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

Website: https://mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance 
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FTX stabilește data următoarei distribuții, solicită modificarea rezervei pentru cereri contestateFTX a stabilit data următoarei date de distribuție pe 14 februarie, cu distribuția efectivă către deținătorii de cereri permise așteptată să înceapă pe 31 martie. Exchange-ul a depus, de asemenea, un comunicat modificat la Curtea de faliment pentru a reduce rezerva pentru cererile contestate cu 2,2 miliarde de dolari, care este supusă aprobării Curții. Dacă va fi aprobat, rezerva pentru cererile contestate va fi redusă de la 4,6 miliarde de dolari la 2,4 miliarde de dolari, după care vor fi eliberate fonduri pentru distribuția către deținătorii de cereri permise în următoarea distribuție. Furnizorii de servicii de distribuție ai FTX (DSP), Kraken, Payoneer și BitGo, vor fi încărcați cu efectuarea următoarei distribuții.

FTX stabilește data următoarei distribuții, solicită modificarea rezervei pentru cereri contestate

FTX a stabilit data următoarei date de distribuție pe 14 februarie, cu distribuția efectivă către deținătorii de cereri permise așteptată să înceapă pe 31 martie. Exchange-ul a depus, de asemenea, un comunicat modificat la Curtea de faliment pentru a reduce rezerva pentru cererile contestate cu 2,2 miliarde de dolari, care este supusă aprobării Curții.

Dacă va fi aprobat, rezerva pentru cererile contestate va fi redusă de la 4,6 miliarde de dolari la 2,4 miliarde de dolari, după care vor fi eliberate fonduri pentru distribuția către deținătorii de cereri permise în următoarea distribuție. Furnizorii de servicii de distribuție ai FTX (DSP), Kraken, Payoneer și BitGo, vor fi încărcați cu efectuarea următoarei distribuții.
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Lighter DEX introduce staking obligatoriu pe întreaga sa platformăLighter, o platformă de schimb descentralizată, a introdus o nouă funcție de staking pentru tokenul său nativ, LIT, care necesită ca toți utilizatorii să stake LIT pentru a accesa poolurile de lichiditate. Lighter a lansat tokenii LIT în luna trecută, staking 50% din ofertă, inclusiv airdrops și fonduri pentru programele de incentive viitoare. Tradingul de contracte perpetue și DEX-ul bazat pe Ethereum au anunțat că au introdus stakingul LIT ca o funcție principală pentru accesarea instrumentelor și caracteristicilor lor, începând cu Lighter Liquidity Pool (LLP). Stakingul LIT este acum obligatoriu, iar depunerea în LLP deblochează un raport de depunere de 1:10, ceea ce înseamnă că un LIT staked deblochează depuneri de până la 10 USDC. Implementarea este obligatorie pentru noii utilizatori.

Lighter DEX introduce staking obligatoriu pe întreaga sa platformă

Lighter, o platformă de schimb descentralizată, a introdus o nouă funcție de staking pentru tokenul său nativ, LIT, care necesită ca toți utilizatorii să stake LIT pentru a accesa poolurile de lichiditate. Lighter a lansat tokenii LIT în luna trecută, staking 50% din ofertă, inclusiv airdrops și fonduri pentru programele de incentive viitoare.

Tradingul de contracte perpetue și DEX-ul bazat pe Ethereum au anunțat că au introdus stakingul LIT ca o funcție principală pentru accesarea instrumentelor și caracteristicilor lor, începând cu Lighter Liquidity Pool (LLP). Stakingul LIT este acum obligatoriu, iar depunerea în LLP deblochează un raport de depunere de 1:10, ceea ce înseamnă că un LIT staked deblochează depuneri de până la 10 USDC. Implementarea este obligatorie pentru noii utilizatori.
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TSMC depășește profitul din Q4 cu 35%, depășind din nou așteptările optimiste ale pieței de pe Wall StreetProducătorul de semi-conductori și partenerul Nvidia, TSMC, a raportat profitul din al patrulea trimestru joi, înregistrând o creștere de 35% și stabilind un nou record, în timp ce cererea pentru microprocesoarele AI a rămas puternică. Venitul net al TSMC a ajuns la 505,74 miliarde de yuan taiwaneze, depășind estimarea de 478,37 miliarde de yuan taiwaneze a analiștilor urmăriți de LSEG SmartEstimates. Veniturile companiei au ajuns la 1,046 trilioane de yuan taiwaneze, sau 33,09 miliarde de dolari, de asemenea peste estimarea de 1,034 trilioane de yuan taiwaneze. Compania a înregistrat acum opt trimestre consecutive de creștere anuală a profitului. Veniturile din trimestrul decembrie au crescut cu 20,5% față de anul anterior și au depășit pentru prima dată pragul de 1 trilion de yuan taiwaneze.

TSMC depășește profitul din Q4 cu 35%, depășind din nou așteptările optimiste ale pieței de pe Wall Street

Producătorul de semi-conductori și partenerul Nvidia, TSMC, a raportat profitul din al patrulea trimestru joi, înregistrând o creștere de 35% și stabilind un nou record, în timp ce cererea pentru microprocesoarele AI a rămas puternică.

Venitul net al TSMC a ajuns la 505,74 miliarde de yuan taiwaneze, depășind estimarea de 478,37 miliarde de yuan taiwaneze a analiștilor urmăriți de LSEG SmartEstimates. Veniturile companiei au ajuns la 1,046 trilioane de yuan taiwaneze, sau 33,09 miliarde de dolari, de asemenea peste estimarea de 1,034 trilioane de yuan taiwaneze.

Compania a înregistrat acum opt trimestre consecutive de creștere anuală a profitului. Veniturile din trimestrul decembrie au crescut cu 20,5% față de anul anterior și au depășit pentru prima dată pragul de 1 trilion de yuan taiwaneze.
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Acțiunile Toyota cresc cu 4% la un nou record după ce a majorat oferta de cumpărare pentru compania părinteAcțiunile Toyota au crescut cu 4% joi, atingând un nou maxim istoric imediat după ce compania a majorat oferta sa de cumpărare pentru Toyota Industries la peste 35 de miliarde de dolari, o creștere semnificativă față de oferta din anul trecut. Acțiunile Toyota Industries au crescut cu aproape 6% la 19.080 de ieni, ajungând chiar peste prețul nou al ofertei de 18.800 de ieni. Miercuri seara, Toyota a anunțat că va plăti 18.800 de ieni pe acțiune (aproximativ 118,11 dolari) pentru a cumpăra restul din Toyota Industries. Aceasta reprezintă o creștere de peste 15% față de oferta anterioară de 16.300 de ieni pe acțiune făcută în iunie anul trecut. Scopul este privatizarea completă a companiei.

Acțiunile Toyota cresc cu 4% la un nou record după ce a majorat oferta de cumpărare pentru compania părinte

Acțiunile Toyota au crescut cu 4% joi, atingând un nou maxim istoric imediat după ce compania a majorat oferta sa de cumpărare pentru Toyota Industries la peste 35 de miliarde de dolari, o creștere semnificativă față de oferta din anul trecut.

Acțiunile Toyota Industries au crescut cu aproape 6% la 19.080 de ieni, ajungând chiar peste prețul nou al ofertei de 18.800 de ieni.

Miercuri seara, Toyota a anunțat că va plăti 18.800 de ieni pe acțiune (aproximativ 118,11 dolari) pentru a cumpăra restul din Toyota Industries. Aceasta reprezintă o creștere de peste 15% față de oferta anterioară de 16.300 de ieni pe acțiune făcută în iunie anul trecut. Scopul este privatizarea completă a companiei.
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Trump a impus un tarif de 25% pentru anumite microcipuri AI în cadrul unui acord care a permis companiei Nvidia să exporte procesatoarele H200...Președintele SUA Donald Trump a înființat un tarif de 25% pentru importurile de semiconductori avansați, ca parte a unui acord major care a permis companiei Nvidia Corp. să expedieze eficient procesatoarele de inteligență artificială H200 fabricate în Taiwan pe piața chineză. În legătură cu ordinul președintelui emis miercuri, 14 ianuarie, surse apropiate de situație, care au dorit să rămână anonime din cauza naturii confidențiale a problemei, au menționat că guvernul a fost instruit să impună impozitul asupra microcipurilor imediat la sosirea în SUA, înainte de a fi expediate clienților din China și alte țări.

Trump a impus un tarif de 25% pentru anumite microcipuri AI în cadrul unui acord care a permis companiei Nvidia să exporte procesatoarele H200...

Președintele SUA Donald Trump a înființat un tarif de 25% pentru importurile de semiconductori avansați, ca parte a unui acord major care a permis companiei Nvidia Corp. să expedieze eficient procesatoarele de inteligență artificială H200 fabricate în Taiwan pe piața chineză.

În legătură cu ordinul președintelui emis miercuri, 14 ianuarie, surse apropiate de situație, care au dorit să rămână anonime din cauza naturii confidențiale a problemei, au menționat că guvernul a fost instruit să impună impozitul asupra microcipurilor imediat la sosirea în SUA, înainte de a fi expediate clienților din China și alte țări.
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CleanSpark achiziționează 447 de acre în Texas pentru a construi centre de date AI și HPCCleanSpark, Inc., o companie lideră americană de minerit Bitcoin și infrastructură digitală, a convenit să cumpere 447 de acre de teren în Brazoria County, Texas, pentru a construi centre de date de mare scară pentru inteligență artificială și calcul de performanță ridicată, deoarece mineritul Bitcoin a devenit prea costisitor în raport cu marjele de profit. Cumpărarea terenului, parte a unui acord definitiv anunțat miercuri, completează o extindere pe termen lung a facilităților de transmisie care vor permite o cerere imediată de 300 megawați (MW), cu opțiuni de extindere până la 600 MW.

CleanSpark achiziționează 447 de acre în Texas pentru a construi centre de date AI și HPC

CleanSpark, Inc., o companie lideră americană de minerit Bitcoin și infrastructură digitală, a convenit să cumpere 447 de acre de teren în Brazoria County, Texas, pentru a construi centre de date de mare scară pentru inteligență artificială și calcul de performanță ridicată, deoarece mineritul Bitcoin a devenit prea costisitor în raport cu marjele de profit.

Cumpărarea terenului, parte a unui acord definitiv anunțat miercuri, completează o extindere pe termen lung a facilităților de transmisie care vor permite o cerere imediată de 300 megawați (MW), cu opțiuni de extindere până la 600 MW.
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