Cryptopolitan

The decentralization of the Layer-1 blockchain Sui network is being questioned after its major DeFi platform, Cetus Protocol, called for an upgrade to recover stolen funds. Cetus had been hacked for over $222 million, but Sui Validators were able to freeze $162 million of the stolen funds.

According to Sui Network, the validators could freeze the funds by ignoring transactions from the two addresses tied to the attack, effectively preventing the attacker from bridging out all the stolen funds.

However, Cetus protocol has requested a network upgrade to regain the frozen funds. The decentralized exchange and liquidity provider called for a community vote to decide on the upgrade.

The Sui Network team described the request as extraordinary, noting that Cetus desperately needs funds. Thus, it has agreed to let the vote happen on the condition that the Sui Foundation abstain from voting to remain neutral and that Cetus must publicly commit to returning all lost funds to users.

Meanwhile, the Cetus team noted that it needs the recovered funds to repay users who lost assets to the hack while efforts to recover the remaining $60 million are ongoing. However, it acknowledged that it would respect the decision of the community.

It wrote:

“No one can make this decision unilaterally. We propose an on-chain vote involving the network’s major participants, including validators and SUI stakers, to decide. We want to recover and return the stolen funds, but we will respect whatever the community decides.”

However, the upgrade’s scope is unclear. Sui Network had said it would not roll back the chain history or reverse transactions. It added that the design details and code for the vote will soon be shared.

Sui community reacts to a planned network upgrade

So far, most of the reactions to the possible upgrade have been negative, with many users concerned such an upgrade could make the network lose trust as a decentralized protocol. Others added that rolling back or upgrading the network to recover the loss would be wrong.

They claimed that Cetus was well aware of the flaws in its smart contracts since last year, when they were exploited at a smaller scale with memecoins but failed to act. Thus, the protocol should cover the losses itself.

The sui chain should not be rolled back.. or upgraded.. to recover the loss…. This was a issue with a smart contract with the cetus application.. it was also known for months that there was some potential bugs since some where exploited at a small scale last year.. with meme…

— DrTrade 🇸🇻 (@DrTradeAU) May 24, 2025

Meanwhile, some users think the voting itself might be a charade. They noted that only 3.2% of SUI supply went to the public while half went to venture capital firms and insiders who have been staking all their tokens. Thus, they believe that these VC firms will determine the outcome of the vote, and individual stakers will not influence the final decision.

Interestingly, some users have criticized validators’ efforts to freeze funds, saying it amounts to censorship and defeats true decentralization. However, the team clarified that any validator on any network can decide to ignore transactions, and if enough of them do it, the transaction fails.

Despite the overwhelming opposition, several people still believe it is the best decision as it will ensure that Cetus users get their funds back. One user even recommended that founders and stakeholders with liquidity pools on Cetus decide, since they have a stake in the outcome.

SUI is down 5% in 24 hours

While debates continue over whether Sui should have the network upgrade, the network native token SUI is down 6.57% to $3.63 in the last 24 hours. Its decline is due to broader market struggles with price corrections after BTC set a new peak price of around $112,000.

However, the Cetus hack also contributed to the SUI drop, with the token dropping more than 13% from $4.19 to $3.62 the day after the incident.

The CETUS token is not doing any better. Due to the incident, it is down 5% today and more than 17% in the past week. It is trading at $0.1640 at press time.

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Binance co-founder Changpeng Zhao (CZ) has publicly denied claims linking him to World Liberty Financial. The former Binance CEO took to blogging platform X to call out a recent article linking him to Trump-linked entities, particularly WLFI, regarding a stake in Binance US.

In the post on X, Zhao mentioned that the WSJ article was filled with inaccuracies, calling it a “hit piece” filled with negative assumptions. The WSJ article portrayed his involvement in the decentralized finance project, one which he has criticized. The platform is backed by a business entity that has affiliations with United States President Donald Trump. Trump’s sons, Eric and Donald Jr. are actively involved in managing the company.

According to Zhao, the article emphasized his role as a “fixer” for the WLFI team and its co-founder Zach Witkoff during foreign trips. The article also suggested that Zhao carried out introductions and meetings for WLFI leaders during foreign trips, including a recent visit to Pakistan that reportedly resulted in a memorandum of understanding with a local official.

Changpeng Zhao slams WSJ’s “hit piece”

In his post on X, Zhao mentioned that he was not a fixer for anyone, denying the claims that he connected Pakistani officials Mr. Saqib with anyone from WLFI or organized any engagements abroad. “They had known each other way back, whereas I only met with Mr. Saqib for the first time in Pakistan,” he added. He also added that the WSJ submitted a list of questions that he described as wrong and negative assumptions.

Another hit piece from Wall Street Journal. WSJ instead of doing journalism, has pretty much resorted to Cunningham’s Law, with negative intentions.

"Cunningham's Law: The best way to get the right answer on the Internet is not to ask a question; it's to post the wrong answer."…

— CZ 🔶 BNB (@cz_binance) May 23, 2025

Zhao and his public relations team have since pointed out several factual inaccuracies, concluding that the article was created with malicious intent. He also slammed WSJ, noting that it is acting as the mouthpiece for anti-crypto forces in the United States. He added that forces behind the publication want to hinder the push for the country to be the crypto capital of the world.

“They want to attack crypto, global crypto leaders, and the pro-crypto administration,” CZ claimed, saying the article is part of a broader effort to stifle the industry’s growth in the US. This is not the first time that Zhao has slammed WSJ for what he describes as inaccurate reporting, with the former Binance CEO slamming its April 11 report where it said Zhao had agreed to testify against Tron founder Justin Sun.

The report added that the measure was a means to settle with US prosecutors, but Zhao slammed it, noting that government witnesses are always protected and don’t go to jail. He also added that someone within WSJ had received money to smear his name.

WSJ report calls out CZ’s role in WLFI

CZ’s response comes after a WSJ investigation, where the news outlet highlighted a string of diplomatic and business interests involving WLFI. The WSJ report had raised concerning questions about the blurred lines between public and private interests, focusing on diplomatic and business dealings involving WLFI co-founders Steve Witkoff and his son Zach Witkoff.

Steve Witkoff currently serves as the United States Special Envoy to the Middle East under the Trump administration, while Zach Witkoff has been involved in some capacity at the company, including securing a $2 billion crypto deal. The report raised questions about whether diplomatic efforts are clashing with private crypto ventures, implying that Zhao may have been trying to gain favors in the sight of the Trump administration. The Binance man confirmed on May 6 that he was seeking pardon from the Trump administration concerning his earlier money laundering conviction.

The report also mentioned that WLFI, which had raised over $600 million in token sales, has refused to disclose the names of all its investors aside from some publicly known entities like Tron founder Justin Sun, who was in attendance at the Trump meme coin dinner on May 22. The president hosted the dinner for the largest investors in his Official Trump (TRUMP) meme coin. The event was graced by Sun, Magic Eden CEO Jack Lu, and BitMart CEO Sheldon Xia, among others.

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In a crypto market teeming with opportunities, early-stage gems often hold the key to life-changing gains, and Mutuum Finance (MUTM) is quickly climbing the ranks as the best altcoin to invest in now. While seasoned investors continue to ask what is the best cryptocurrency to invest in for the next cycle, MUTM stands out for its ultra-low entry point, a strong DeFi narrative, and explosive growth potential. Mutuum Finance Phase 5 presale offers tokens at a price of $0.03 per token. Acquisition by more than 11,000 presale buyers has produced a robust investor backing that has raised $9.1 million. 

Buyers of Mutuum Finance Phase tokens during this phase get 100% profit at the projected $0.06 launch price. As interest shifts from overbought giants to new crypto coins with room to run, analysts are eyeing a possible 50x rally for MUTM in 2025. Whether you’re building a long-term portfolio or looking for the next big crypto, Mutuum Finance could be the low-cap breakout that turns a modest investment into a fortune.

Mutuum Finance Presale 

The project has surpassed a significant milestone as its presale  accumulates more than $9.1 million from participants who have exceeded 11,000 in number. Since presale initiation the MUTM token value has increased to $0.03 and will steadily grow up to launch at $0.06.

Revolutionizing DeFi Lending with a Dual-Lending System

Mutuum Finance introduces a dual-lending framework to enhance decentralized loans by meeting all requirements held by borrowers and lenders. The P2C system controls automated liquidity pools to modify interest rates which optimizes capital efficiency.

Users can establish direct loan terms when intermediaries are eliminated by P2P model because this system represents a superior way of managing assets.

Users benefit from increased security for transparent transactions while having the capability to choose either fixed or variable interest rates in the system. The platform establishes trust for users because it subjects itself to external audits and makes all its smart contracts available as open-source code with full visibility.

Strategic Growth & Community Rewards

The Mutuum Finance platform undergoes continuous success development because it employs a buyback strategy together with revenue sharing mechanisms within enduring economic frameworks. Future listings on exchanges will improve user accessibility while enhancing marketplace liquidity because of rising demand for this platform.

Mutuum Finance is building a fully collateralized, USD-backed stablecoin to be issued on the Ethereum network. Its overcollateralized design ensures long-term price stability, eschewing the collapse risks which have plagued algorithmic stablecoins. On the security front, the platform is run by open-source, third-party audited smart contracts by certik, laying a good foundation for user trust and institutional adoption. 

$100,000 Giveaway

Mutuum Finance rewards its users by distributing $100,000 worth of MUTM tokens through a ten-participant giveaway with each participant receiving $10,000 in tokens. The referral program accelerates organizational growth by offering bonus rewards which users receive for introducing new investors to the community.

More than $9.1 million raised and over 11,000 presale participants highlight the strong momentum behind Mutuum Finance (MUTM). Phase 5 buyers are set to double their investment as the token price targets $0.06, while experts predict a possible 50x surge in 2025. 

This opportunity represents a rare chance to get in early on a project combining cutting-edge DeFi innovation, transparency, and sustainable growth strategies. Presale spots are rapidly filling up, and once the launch occurs, the chance to capitalize on these gains will vanish. Act now, secure your MUTM tokens before this explosive growth opportunity slips away.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance

The United States Department of Justice (DOJ) has announced the recovery of about $2.5 million linked to several fraudulent cryptocurrency schemes. According to the DOJ, the recovery was from schemes and ventures that exploited the growing interest of users in the industry.

According to the DOJ, the move also underscores an aggressive push to restore trust and integrity across markets in the crypto industry. The order of forfeiture was made by United States District Court Judge Amir H. Ali, and announced by US Attorney Jeanine Ferris Pirro, Chief John Lynch of the Computer Crimes and Intellectual Property Section of the Department of Justice, and FBI Special Agent in Charge Stacey Moy of the San Diego Field Office.

United States DOJ wins order of forfeiture

With the order, the United States government is expected to take charge of the assets, marking another effort by federal authorities to ensure the financial market remains with its integrity while protecting its participants from deception. The latest development also underscores the DOJ’s commitment to safeguarding legitimate investment activities in the digital asset industry.

These schemes, often appearing to have an air of legitimacy, use different techniques and methods to lure crypto investors. While some of them use the promise of high returns, others use the promise of something bigger. For example, some platforms promise investors very high profits, using their inexperience to impress upon them to make the investments. These traders often part with huge funds as they seek to make profits from what they feel is a market that everybody is involved in.

In some other cases, there are the issues of Ponzi schemes, where users are mandated to recruit other traders onto a platform for profits. What the platform does is that it uses funds from newer investors to pay older investors, carrying out the act until the team behind the platform is apprehended, or investors realize their activities. These activities and more have caused a dent in the trust that the general populace has in the crypto industry, and the DOJ and other agents involved in this forfeiture are trying to restore it.

United States authorities promise to apprehend the criminals

According to a statement by United States Attorney Jeanine Ferris Pirro, the United States will continue to hold fraudsters responsible, regardless of where they are located. “Whether they are in our district’s streets or hiding behind a computer screen abroad, the United States will continue to hold fraudsters and grifters responsible, seize money they scam from hard-working Americans, and use our authority to compensate victims,” Pirro said.

Stacey Moy of the San Diego Field Office also mentioned the harm that schemes like these have caused in the United States, noting that victims in every case have lost a devastating amount of money to these scammers under the pretext of changing their lives. “We hope today’s announcement brings a measure of justice to the victims and serves as a reminder, that the FBI will hold fraudsters accountable, no matter where they are located,” Moy added.

In this case and others related to it, the United States uses asset forfeiture to punish and halt criminal activities. By doing this, they deprived criminals from acquiring proceeds of crime or assets obtained using the proceeds. It is also used to promote and enhance cooperation among federal and foreign law enforcement agencies, with the end goal of their cooperation being the recovery of stolen assets and the compensation of victims. Meanwhile, the DOJ has called out to members of the public who believe they are victims of cybercrime to contact the FBI’s Internet Crime Complaint Center to report such crimes.

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OpenAI updated the AI model powering Operator from the previous custom version of GPT-4o to a model based on o3, one of the latest in OpenAI’s o series of “reasoning” models. The o3 Operator was fine-tuned with additional safety data for computer use and included safety datasets designed to teach the model decision boundaries.

OpenAI upgraded the Operator in ChatGPT with a new Computer-Using Agent (CUA) model based on a version of OpenAI o3. With the new model, the Operator became more persistent and more accurate when interacting with the browser, improving the overall task success rate. It also delivers better-structured responses that are more clear and thorough.

According to OpenAI, the new CUA model showed stronger performance relative to the industry, achieving SOTA on OSWorld and WebArena. It also showed stronger relative performance to the previous version, both in established benchmarks and human preference evaluations.

OpenAI replaces the GPT‑4o-based model with a version based on o3

OpenAI hints at a big upgrade for ChatGPT Operator Agent pic.twitter.com/iGPQp9butD

— SabatAge (@sabatage) May 22, 2025

OpenAI replaced the existing GPT‑4o-based model for Operator with a version based on OpenAI o3, although the API version will remain based on 4o. The AI firm also claimed that the o3 Operator uses the same multi-layered safety approach used for the 4o version.

However, compared with other models in the o3 family, the o3 Operator was fine-tuned with additional safety data for computer use, including safety datasets designed to teach the model decision boundaries on confirmations and refusals.

OpenAI released a technical report showing the o3 Operator’s performance on specific safety evaluations. Compared to the GPT-4o Operator model, the o3 Operator was less likely to refuse to perform “illicit” activities and search for sensitive personal data and less susceptible to a form of AI attack known as “prompt injection.” 

“o3 Operator uses the same multi-layered approach to safety that we used for the 4o version of Operator…Although the o3 Operator inherits o3’s coding capabilities, it does not have native access to a coding environment or Terminal.”

–OpenAI

The AI firm also disclosed that the new o3-based model went through standard safety evaluations, and Operator continued to be available as a research preview to ChatGPT Pro users globally. However, this upgraded model was only available in Operator in ChatGPT.

Knoop suspects running OpenAI’s o3 model might be costlier than expected

Last week, the Arc Prize Foundation, which maintains and administers ARC-AGI, updated its approximate computing costs for o3. The organization originally estimated that the best-performing configuration of o3 it tested, o3 high, cost around $3K to solve a single ARC-AGI problem. However, the Foundation now believes that the cost could be 10x higher than previously estimated, possibly around $30K per task.

Also, while OpenAI has yet to price o3 or release it fully even, one of the co-founders of the Arc Prize Foundation, Mike Knoop, believes the o1-pro model pricing is a reasonable proxy and a closer comparison of the true cost of o3. He, however, added that o3 would continue to be labeled as a preview on the leaderboard to reflect the uncertainty until official pricing was announced.

According to the Arc Prize Foundation, a high price for o3 high would not be out of the question, given the amount of computing resources the model reportedly uses. o3 high used 172x more computing than o3 low, the lowest-computing configuration of o3, to tackle ARC-AGI.

Rumors have been flying since early March about the pricey plans OpenAI was considering introducing for enterprise customers. The information reported that the company may charge up to $20K per month for specialized AI “agents,” like software developer agents.

However, while some argued that even OpenAI’s priciest models would cost well under what a typical human contractor or staffer would command, AI researcher Toby Ord pointed out that the models may not be as efficient. For instance, o3 high needed 1,024 attempts at each task in ARC-AGI to achieve its best score.

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U.S. Representative Taylor Greene is fuming after Elon Musk’s AI bot cast doubt on her Christian beliefs. The self-proclaimed Christian Nationalist declared her Christian beliefs in an X post on Friday, only to be undercut by Grok, replying that “whether she’s really a Christian is subjective.”

In response to a user’s post asking whether Greene was really a Christian, the chatbot referred to the congresswoman’s prior association with the QAnon conspiracy theory and her self-declared status as a Christian nationalist.

The chatbot added that critics, including religious leaders, have previously argued that Greene’s actions contradict Christian values of love and unity.

Grok refers to previous critics of Greene’s faith

.@grok the judgement seat belongs to GOD, not you a non-human AI platform.

Grok is left leaning and continues to spread fake news and propaganda.

When people give up their own discernment, stop seeking the truth, and depend on AI to analyze information, they will be lost. https://t.co/R0MYSlp2YI pic.twitter.com/36TtpAKYcp

— Marjorie Taylor Greene 🇺🇸 (@mtgreenee) May 23, 2025

Grok noted that in July 2022, Oregon pastor Chuck Currie, a frequent critic of Republicans, slammed Greene, who has a history of expressing racist, Islamophobic, and anti-Semitic views, as a “false teacher” for her Christian nationalism. Currie wrote on X that Greene “dances with the devil.”

The Representative for Georgia was raised Catholic but said she left the Catholic Church upon becoming a mother, citing its long history of clergy sex abuse allegations. Greene has since joined North Point Community Church, an evangelical megachurch in Alpharetta, Georgia.

Greene, never one to let a perceived slight–even from a machine–go unanswered,  said the judgment seat belongs to GOD, “not you, a non-human AI platform.” The American politician also called herself an imperfect sinner saved by grace and faith in Jesus, as well as a nationalist.

Greene believes Grok spreads fake news and propaganda

She also argued that Grok is left-leaning and continues to spread fake news and propaganda. The Georgia congresswoman blasted Grok for its alleged political bias, which the bot couldn’t stop ranting last week about debunked claims of white genocide in South Africa. She also warned about AI chatbots in general and the dependence on AI to analyze information.

“When people give up their own discernment, stop seeking the truth, and depend on AI to analyze information, they will be lost.”

–Taylor Greene, U.S. Representative for Georgia.

According to documents obtained by BI, xAI has been training the chatbot specifically to avoid being “woke” like other chatbots. One xAI worker told BI in February that the general idea seems to be that “we’re training the MAGA version of ChatGPT.”

Greene also previously praised Grok, mentioning in September that she was impressed by how much the AI chatbot knew.

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A Kentucky-based crypto investor is currently cooling his heels in police custody after he reportedly kidnapped and tortured an Italian tourist for weeks. According to reports, 37-year-old John Woeltz tortured the victim with a chainsaw in a Manhattan apartment before the unnamed victim escaped.

In the reports made by the police, Woeltz was arrested by the authorities after the 28-year-old tourist broke out of the apartment and made a daring escape and located the nearest police station. The officers on duty also noted that the victim had blood and bruises all over his body.

The police rushed to the luxurious Prince Street pad, which Woeltz has been allegedly renting for about $30,000 to $40,000 a month. They discovered photos that pointed out that the tourist had been tortured at the location by the crypto. The pictures showed the tourist being tied up with electric wires and tortured, including being bound to a chair with a gun pointed at his head, according to police sources.

Crypto investor arrested in connection with kidnapping and assault

According to sources, John Woeltz bound his victim with an electric cord, tased while his feet were in water, whipped with a pistol, and forced to take cocaine. Police sources also confirmed that the crypto investor even threatened to cut off the victim’s limbs with a chainsaw if he refused to cooperate with him.

The kidnap and torture allegedly blew up from a dispute over cryptocurrencies, in which the suspect allegedly tried to extort millions of dollars from the man using scare tactics. The ordeal started on May 6, when the Italian tourist arrived in New York City from Italy. After his arrival, he made his way to see Woeltz, whom he had been dealing with in the past. But when he got to the luxurious apartment, Woeltz snatched him and bound him, the sources added.

According to the police, the man suffered torture for days, with polaroids of the events taken. The police believed that those were taken to either be used to extort money from him or to be sent back to Italy to extort money from his family. Police mentioned that they found the picture in where they described as a torture chamber, with blood on the floor. Other torture equipments found at the scene include broken glass, night vision goggle, a bulletproof vest, and a gun. The victim has since been rushed to Bellevue Hospital for treatment while the cops have arrested Woeltz and he is expected to face charges related to assault.

Police promise to apprehend every suspect linked to the crime

Woeltz has since been charged on Friday night, with the authorities charging him with two counts of second-degree assault, first-degree kidnapping, first-degree unlawful imprisonment, and criminal possession of a weapon. In addition, a second person, 24-year-old Beatrice Folchi, who lives in Manhattan has also been arrested and charged with first-degree kidnapping and first-degree unlawful imprisonment.

Police escorting John Woeltz out of his apartment after his arrest. Source: NYPost.

Meanwhile, two other people, who authorities believe were employed by Woeltz, are still waiting to be interviewed by the police. According to the police, the Italian tourist had a wound on his arm, which was believed to have been inflicted by the perpetrator through the Chainsaw. In addition, the victim was also tagged with an Apple AirTag in case he tried to escape from custody. He eventually made his escape on Friday, because he believed that was the day the suspect planned to kill him.

According to an eyewitness at the scene, Woeltz was apprehended by the police in the apartment. He was clad in a robe and handcuffed on his way away from the luxurious apartment. “This is definitely the strangest thing I’ve seen in my time here,” he said. “Normally, this is a pretty quiet block.”

Another vendor who lived nearby mentioned that he got a weird vibe from the crypto guys who just moved into the apartment. The police, on the other hand, have promised to apprehend other suspects linked to the crime, while ensuring that no other victims remain.

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Jim Cramer said Friday that President Donald Trump is going beyond politics and now acting like the one actually running America’s biggest tech companies.

Speaking on his show Mad Money, Jim pointed out that Trump’s trade orders are damaging both Nvidia and Apple, and he warned that investors are underestimating just how much the White House is involved in corporate decision-making.

Jim told viewers, “We have to make our peace with it and, yes, add it to the risk factors of owning stocks here. It puts a premium on companies that Trump and his people play no role in.” He said fewer and fewer companies are being left alone. “The list of companies that are exempt from presidential meddling grows shorter by the day.”

Trump hits Nvidia with China chip crackdown

The White House recently restricted artificial intelligence chip exports to China, citing national security concerns. That decision wiped out a major piece of Nvidia’s business, cutting its China market share from 95% to 50%, according to the company’s CEO Jensen Huang. He called the move a “failure” and said it’s damaging US interests more than Chinese ones.

Huang added that the rules are pushing China to make its own chips faster, which could end up backfiring on US companies in the long run. Jim supported that warning and said it would actually be safer to let China buy from Nvidia instead of helping it become independent in advanced chip production.

The damage isn’t just theoretical. Nvidia’s future growth in China has already taken a direct hit. These AI chips are not just side products — they’re core to Nvidia’s long-term plans. Trump’s orders are now directly reshaping what US tech can and can’t sell, and to who.

Apple targeted after India move fails to dodge tariffs

Apple, meanwhile, tried to get ahead of the game. The company began moving production from China to India to avoid getting caught in the middle of the US-China trade battle. That strategy didn’t work. Trump announced on Friday that iPhones made outside the US will face 25% tariffs anyway.

Jim criticized that move, saying it could make iPhones too expensive for regular American buyers. He also reminded the public that Apple has already done a lot to create jobs in the US, but that didn’t stop the penalties. “American-made iPhones will be too expensive for consumers,” Jim said bluntly.

He made it clear that no amount of cooperation with the administration guarantees safety anymore. Trump is making the rules, rewriting them, and enforcing them how he wants. Companies trying to adapt are still getting punished.

Jim said there’s precedent for the government stepping into business, like when Harry Truman took control of railroads in 1964 to avoid an economic crash, or when John F. Kennedy pressured steel companies in 1962 to cut price hikes. But in both of those cases, the government had clear national interests. “The president is simply telling companies what to do and where to go, and going after them hard if they don’t,” Jim said.

He added, “No matter what, the president’s functioning as the chairman of the board, overruling company execs about business decisions. He’s not accepting their rationales. He wants it his way. In that sense, he’s inching step by step toward running what I call a command economy.”

Trump’s tweets still shake markets ahead of earnings

Jim also gave a heads-up about the week ahead on Wall Street. He said companies like Nvidia, Costco, Dell, and Salesforce are all dropping quarterly reports. Normally, that would be enough to drive market action. But this week, Jim said, that might not be the case.

“We’re headed into a fickle week,” he said, warning that Trump’s tweets could overshadow everything. He said to expect fresh posts about “our trading partners, their intransigence, their negligence, their perfidiousness.” Basically, the president’s social media could have more impact than actual earnings data.

Jim added that on Friday, markets ignored some negative Trump tweets because the ten-year Treasury yield held steady. That gave investors a reason to focus on other things. But he doesn’t think that will last long. “I hope that can continue next week,” he said, “but I’ll tell you something, I wouldn’t count on it.”

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Dogecoin (DOGE), currently trading around $0.24, has been in the spotlight with projections of a hike to $0.51 by mid-2025 fueled by increasing meme coin hype and adoption by large influencers. But concerns such as its low use case utility and increasing circulation could hamper its progress in hitting the highly coveted $1 mark. Mutuum Finance (MUTM), on the other hand, is going strong in the DeFi sector with its innovative hybrid lending protocol. Mutuum Finance (MUTM) tokens are available for $0.03 per token during phase 5 of its presale. 

The project has raised over $9.1 million and gained over 11,000 holders within a few days. It could be your best chance at life-changing profits. Phase 6 prices are 16.67% more at $0.035 and investors who invest at this phase have a 100% ROI when it lists on $0.06. As enticing as Dogecoin’s community backing is, Mutuum Finance’s solid DeFi use case and history of exponential growth project that it has the potential to bring greater returns in 2025.

Mutuum Finance Presale

Investors flock to Mutuum Finance due to its revolutionary decentralized finance model for crypto loans while decentralization funds its innovative financial services. The project maintains a rising momentum since it has raised over $9.1 million in investments and now attracts more than 11,000 investors. 

The Phase 5 token price at $0.03 presents investors with a limited opportunity as an upcoming 16.67% price boost charts the completion of early investment entry. Investors in this phase who join during the presale period could earn 100% ROI since the token has defined a listing price at $0.06.  As the decentralized market grows, Mutuum Finance is leading the charge with its groundbreaking lending model and solid market positioning.

Transforming Crypto Lending with a Dual-Model System

Mutuum Finance offers a modern lending platform that joins Peer-to-Contract and Peer-to-Peer models for better access to assets as well as transparency and user empowerment. Through the Peer-to-Contract model users can add stablecoins to smart contract pools to earn passive income as they instantly allow borrowing access to platform users. Smart contracts manage automatic interest rate adjustments that provide enhanced earnings for lenders at reduced borrowing expenses.

When people utilize the P2P model they create immediate lending relationships free of intermediaries that fulfill decentralization goals and let users exercise complete negotiation capabilities. Borrowers together with lenders operate in a system which offers complete transparency and efficiency to form custom agreements for loan transactions creating enhanced user-centric borrowing situations.

Transforming Crypto Lending

The Mutuum Finance stablecoin will soon launch on Ethereum chain pegged to the USD. Secure financial transactions will rely on this stablecoin system because it uses a resistant structure which prevents algorithmic stability problems. The combination of next-generation financial lending approaches with robust infrastructure elements enables Mutuum Finance to create the path for decentralized finance development.

While Dogecoin (DOGE) continues to thrive on community hype and viral momentum, its lack of real-world utility may limit long-term upside. In contrast, Mutuum Finance (MUTM) is building tangible value through an innovative dual-lending DeFi model, audited smart contracts, and a USD-pegged stablecoin—all while still in presale. 

With a 100% ROI already locked in for early investors and a roadmap aimed at reshaping decentralized lending, MUTM may deliver the kind of sustainable growth and explosive returns that meme coins simply can’t match. For investors seeking more than speculation, Mutuum Finance could be the smarter move in 2025.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance

The United States has started lifting some of the longest-standing sanctions on Syria, after President Donald Trump met with the country’s new leader, Ahmed Al-Sharaa, in Saudi Arabia last week. The Treasury Department made the move official on Friday, labeling it “immediate sanctions relief.”

These were sanctions originally enforced during the Assad dictatorship, which collapsed last December when rebel forces seized Damascus and forced Bashar al-Assad to flee to Moscow, ending nearly 14 years of civil war.

According to the announcement, Trump’s administration is attempting to open up Syria’s economy for investment while keeping several core restrictions in place.

Although the president has the authority to cancel executive orders, many parts of the sanctions, especially the 2019 Caesar Syria Civilian Protection Act, still require Congressional approval to be removed.

That Act punishes any attempt to conduct business with the Syrian government, unless it’s strictly for humanitarian purposes.

Trump team pushes for waiver, Rubio outlines 180-day plan

Secretary of State Marco Rubio stated that the administration is applying for a 180-day waiver to buy time while working with lawmakers to repeal the broader legislation. The move is being framed as part of a larger strategy to bring back economic activity without immediately clearing the country’s name.

Trump’s decision followed a high-level meeting with Sharaa, who came to power after leading a successful offensive against Assad.

Sharaa was previously a commander of an Islamist-run zone in northwest Syria, and many of his key allies, including Shaibani, are former militants linked to Al-Qaeda-affiliated groups.

The United Nations Security Council has already flagged members of the new Syrian administration in connection with war crimes during the civil war.

The concern is less about strategy and more about who exactly is running the new Syrian government. While Assad is gone, Sharaa and his circle aren’t widely trusted across Capitol Hill.

Saudi Foreign Minister Faisal bin Farhan said on Wednesday that although major steps still need to be taken by the Syrian administration, “Syria won’t be alone — the kingdom and the rest of our international partners will be at the forefront of those supporting this effort and economic rebirth.”

Qatar to inject $30 million per month, investors line up cautiously

One major development is that Qatar, with US support, is preparing to deliver $30 million every month to fund the salaries of Syrian civil servants. This was confirmed by four individuals familiar with the deal, including two involved in finalizing it.

It’s not enough to fully rebuild, but it gives the new administration something to work with as it faces more than $400 billion in economic damage, according to the Carnegie Endowment for International Peace.

During a televised speech on Wednesday, Sharaa said, “We welcome all investors: children of the nation inside and outside, our Arab and Turkish brothers and friends from around the world.” His allies inside and outside the region — especially Saudi Arabia — believe the easing of sanctions helps sideline extremists inside the government and reduces outside influence from Iran, which had been Assad’s strongest ally.

This also blocks any immediate economic expansion by China, giving US-friendly countries like Saudi Arabia, Turkey, and the United Arab Emirates early access to whatever business environment forms in the country.

Still, risks remain. Syria is technically still at war with Israel, and US sanctions date back to 1979, when President Jimmy Carter listed it as a state sponsor of terrorism. A short thaw happened in the 1990s, when Damascus joined the US-led Gulf War coalition and entered peace talks with Israel, but that didn’t last.

Assad’s deeper ties with Iran and his support for insurgents in post-invasion Iraq triggered more restrictions from Washington. Things got worse after 2011, when Assad’s forces cracked down violently on protests, leading to a conflict that left nearly 500,000 people dead and millions displaced.

Within Trump’s own administration, some have been strongly against any effort to cooperate with Sharaa. People like Sebastian Gorka viewed him as a radical who simply traded military gear for suits.

The State Department has demanded that Sharaa’s team show clear improvements on “a number of critical issues” before permanent sanctions relief is considered.

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Arkham Intelligence says Tesla’s Bitcoin holdings are valued at over $1.25 billion. With these holdings, the Elon Musk-led automaker and Musk himself have firmly established their status as committed HODLers of the leading cryptocurrency.

In an X post, Arkham Intelligence revealed that the electric car manufacturer has $1,257,345,294.56 worth of Bitcoin, roughly 11900 BTC.

Tesla now holds over $1.25 Billion of BTC.

Elon Musk is bullish on Bitcoin. pic.twitter.com/rNbzOP1QPJ

— Arkham (@arkham) May 23, 2025

Tesla sold part of its BTC holdings in 2022

Tesla first announced its Bitcoin investment in Q1 2021. In a filing with the Securities and Exchange Commission on February 8, 2021, the automotive company disclosed that it had invested around $1.5 billion to purchase 43,200 BTC and intended to incorporate Bitcoin into its payment system. 

Shortly after, the firm began accepting BTC payments for vehicle purchases before halting the option in May 2021. However, the suspension led to a more than 10% drop in Bitcoin’s value and Tesla’s stock price decline.

Musk claimed they were obliged to halt BTC payments over concerns about the increasing reliance on fossil fuels, particularly coal, for Bitcoin mining and transactions. He argued that crypto investments have great potential; they shouldn’t come at the expense of the environment.

However, skeptics suggested that the billionaire’s decision was just another attempt to influence the crypto market.

In Q2 2022, the car manufacturing firm also sold about 75% of its Bitcoin holdings, valued at $936 million, remaining with only 9,720 BTC. Nonetheless, Musk clarified that their decision to sell their holdings had nothing to do with the asset’s market performance but rather the firm’s need for cash.

Since then, Tesla has added more BTC to its portfolio, holding roughly 11,900 BTC worth $1.25 billion.

Meanwhile, the crypto community began speculating that Musk’s X Money will incorporate Bitcoin after Tesla’s Q4 2024 net income increased to $600 million due to crypto.

Metaplanet and Strategy are still growing their BTC holdings

Multiple firms are also ramping up their Bitcoin holdings. For instance, Strategy holds 576,230 BTC, with its most recent purchase on May 19, when it acquired 7,390 BTC for $764.9 million.

Metaplanet is on pace to reach its target of holding 10,000 BTC, being only a little over 2,000 coins short. So far, the firm has 7,800 BTC. The firm’s stock, 3350.T, also soared 15% after the company recently purchased 1,004 BTC.

Aside from corporations investing in BTC, there is growing interest in the US among certain states in integrating Bitcoin reserves, especially after Donald Trump took office. More than 25 states have proposed bills in favor of Bitcoin reserve legislation, with Texas and New Hampshire among the first to pass their bills.

However, Arizona’s Governor, Katie Hobbs, recently rejected two crypto reserve bills after Florida dropped discussions on their bills.

Nevertheless, there are still 13 active crypto bills at the federal level, which, if passed, could promote Bitcoin integration and establish a Bitcoin reserve.

President Donald Trump named five cryptocurrencies for his proposed strategic reserve at the start of the month. His list included Bitcoin, Ethereum, XRP, Solana, and Cardano. His announcement did stir the crypto market, with Caradona surging by over 70%, Solana by 20%, and XRP by 30%. Bitcoin and Ethereum also saw a rise in market value, jumping by over 10%.

Trump has consistently insisted that a digital asset reserve would elevate the country, reduce inflation, and build the crypto industry. In one of his Truth Social posts, he commented, “I will make sure the US is the Crypto Capital of the World. We are MAKING AMERICA GREAT AGAIN!”

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U.S. Treasury Secretary Scott Bessent affirmed that the administration is committed to positioning the country as the global leader in digital assets. Bessent, speaking to Bloomberg, said the government is “going big” on crypto, a striking contrast with the previous administration, which took a restrictive approach that left many companies struggling to survive.

In a recent Bloomberg interview, Bessent said that, instead, the White House plans to tighten up anti-money laundering (AML) standards for digital assets, especially stablecoins. He said the administration will pursue strong compliance while encouraging innovation, stating, “Digital asset companies deserve regulatory clarity, and that’s exactly what we are working toward.”

Bessent also highlighted one of his key projections that stablecoins will generate $2 trillion in demand for U.S. Treasuries and bills in the near term, far more than the current $300 billion. According to the Treasury Secretary, this shift will inject a lot of liquidity into traditional markets without weakening oversight.

Legislative momentum is also building in Washington. A bipartisan stablecoin bill that recently cleared a procedural roadblock in the U.S. Senate could soon become a reality. The measure had been stalled by a filibuster, which the Senate voted to end 66–32 earlier this month, allowing debate on the floor.

Key changes to the bill brokered by crypto-supporting Democrats led by Senators Kirsten Gillibrand and Angela Alsobrooks brought the breakthrough. They also dropped demands for a ban on former President Donald Trump profiting from his family’s crypto investments.

The legislation marks a pivotal step, but even though a final vote might not take place until after the Memorial Day recess, industry insiders say. If it passes, it will create a clear regulatory framework for stablecoins, ending years of legal limbo and inviting more institutional participation to the industry.

Bessent eyes relief for the Treasury market

Bessent hinted at heavily transforming the traditional financial system beyond digital assets. He said U.S. regulators are nearing the end of a process that will remove the supplementary leverage ratio (SLR) requirement on banks that trade Treasuries.

As a post-2008 crisis safeguard, the SLR currently requires banks to hold more capital against holding trading Treasuries in their reserves. Bessent said that removal could increase liquidity in the $29 trillion market and lower Treasury yields by a few basis points. The Federal Reserve, Office of the Comptroller of the Currency, and the FDIC are in discussions. This would represent a significant regulatory change and may help digital asset markets.

Trump’s crypto dinner stirs debate

Meanwhile, President Trump is seizing the opportunity to brand himself as crypto’s political champion. In a recent Truth Social post, he said the U.S. is ‘dominating in crypto, bitcoin, etc.,’ vowing to ‘keep it that way.’

The top 220 holders of Trump’s TRUMP meme coin were invited to a high-profile crypto dinner at Trump’s Virginia golf club. Legislators raised concerns about the VIP event’s transparency and its ethical implications. It was reported to have raised $148 million. 

They questioned the concentration among Trump-linked entities and the risk of foreign influence. Despite the criticism, attendees viewed the dinner as indicative of just how politically relevant crypto is becoming.

The White House Press Secretary Karoline Leavitt confirmed that the president was there in his personal time and that no official guest list will be released. Several guests attended with the intent of changing Trump’s stance on crypto regulation, the New York Times later reported.

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VanEck has expressed frustration with the U.S. Securities and Exchange Commission (SEC) because it keeps delaying approval for its Bitcoin ETF options. The company says investors deserve clear and timely decisions instead of silence without explanation.

VanEck’s Matthew Sigel shared a post on X showing frustration with the SEC for delaying the company’s CBOE’s 19b-4 filing without explanations.

SEC again delays ruling on CBOE’s 19b-4 to list options on VanEck $HODL ETF.

We find the lack of explanation confounding & frustrating. Investors deserve transparency and timely action. @HesterPeirce

— matthew sigel, recovering CFA (@matthew_sigel) May 23, 2025

VanEck asks for answers after the SEC delays a decision on Bitcoin ETF options

The SEC has again delayed a decision on whether to approve options trading for VanEck’s spot Bitcoin ETF trading under the ticker symbol $HODL. This delay further frustrated other crypto asset managers waiting for the SEC to decide on their applications.

VanEck also awaits approval on a similar request to include in-kind creations and redemptions for the same Bitcoin ETF. Still, the SEC has not moved forward on that either. The feature would allow investors to exchange Bitcoin for ETF shares and vice versa directly.

VanEck’s Head of Digital Assets Research, Matthew Sigel, posted on X claiming that the SEC does not explain why it keeps pushing back these decisions. He added that the lack of feedback makes the process more confusing and makes it difficult for applicants to understand what they need to fix or improve.

Matthew described the SEC’s silence as “confounding and frustrating” because it makes the process feel unfair and unpredictable for companies trying to follow all the rules. He also tagged SEC Commissioner Hester Peirce, expecting her Crypto Task Force to step in, provide answers, and show some leadership on an issue affecting many crypto players.

The repeated delays without clear reasoning hurt investor confidence and slow growth and innovation as people feel uncertain about whether the SEC will ever make firm decisions or continue stalling indefinitely.

The SEC keeps delaying crypto ETF decisions while new filings keep coming in

The SEC has again delayed a decision on a major crypto ETF proposal affecting CoinShares’ application for a spot XRP ETF, which would be exposed to XRP through a regulated product.

The SEC pushed back the decision from May 26 to Aug. 24 and sought public comments and rebuttals to the proposal rather than approving or rejecting it.

This delay is one more instance in a trend where the SEC takes longer than usual without providing any explanation for the delay, leaving the applicants and the entire market wondering.

The agency also stalled Fidelity’s proposals for in-kind redemptions in its spot Bitcoin ETF and a similar Ethereum-based product. The in-kind redemption is more efficient and tax-friendly because investors can swap actual crypto for ETF shares rather than using cash.

The pace of new ETF applications is accelerating despite these repeated roadblocks because asset managers believe the rewards of being first to market with new crypto ETF products outweigh the frustrations of dealing with regulatory restraints.

Firms have filed for ETFs based on a range of altcoins, including Solana (SOL), Cardano (ADA), Polkadot (DOT), and XRP for the past few weeks. These products allow investors to access blockchain ecosystems and technologies outside the Bitcoin-Ethereum duopoly.

Canary Capital recently filed to launch a staked Tron ETF that would track the price of the Tron token (TRX) and pass on staking rewards to investors. The SEC acknowledged this application, which shows that it might be warming up to innovative structures, even if it is not ready to approve them yet.

Similarly, companies won’t stop applying because they believe the Trump administration favors crypto more than its predecessor.

Industry leaders have also pointed to leadership changes and evolving political sentiment as signs that the regulatory climate may become more supportive or, at the very least, more predictable.

The SEC has not released new crypto-specific guidance, but it continues to accept and publish new applications through its formal processes, which gives some hope that the agency may be preparing for a new phase of regulatory clarity

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Mihailo Bjelic, a Polygon co-founder, has resigned from the blockchain project he helped build. He is stepping down from the Polygon Foundation board and ending his role at the main development studio, Polygon Labs.

Bjelic shared an X post stating, “After much thought and reflection, I’ve decided to step down from the board of the Polygon Foundation and wind down my day-to-day involvement with Polygon Labs.”

This makes him the third founder to leave the team. He joins co-founders Jaynti Kanani and Anurag Arjun, who had also stepped away from their active roles in the blockchain project. Kanani left the company in October 2023, while Arjun stepped down in March 2023 to concentrate on his modular blockchain project, Avail.

Bjelic claims he can no longer give his best to Polygon

Bjelic has played a pivotal role in taking Polygon to greater heights. In 2017, he co-founded the well-known Ethereum Layer 2, originally named Matic Network, along with Jaynti Kanani, Sandeep Nailwal, and Anurag Arjun. 

Ethereum’s Layer 2 scaling solutions provide many advantages for the Ethereum network. These benefits include faster transaction times, lower fees, and better scalability. As a Layer 2 solution, Polygon uses these features to boost its own performance and improve the experience for its users. 

In support of this, it is evident that the firm has made significant contributions to blockchain research and development, particularly in zero-knowledge and proof-of-stake technologies.

Polygon introduced MATIC for POL-on a one-to-one basis in late 2024 and initiated a token migration as a part of its 2.0 plan. This change was to drive more usage of the network’s main token for gas fees, staking, and infrastructure such as AggLayer. 

Following Polygon’s success, Bjelic’s 10+ years of experience as an IT engineer building technology products and platforms were greatly honored.

However, on Friday, May 23,  Bjelic shared an X post stating that he could no longer give his best to Polygon. Based on his explanation, as projects developed and evolved, it was natural for ideas to shift and sometimes become divided up. Afterward, Bjelic mentioned that Polygon leaders seemed sincerely dedicated to seeing the project prosper. He then offered support to them from the sideline and for whatever he could do to assist.

Following his resignation, Nailwal praised Bjelic in an X post, stating he was not only a co-founder but also a brother to him. He added, “From the earliest days — whiteboards full of ideas, endless whitepapers, governance frameworks, strategy calls deep into the night — you have been a force behind so much of what makes Polygon.”

Bjelic reveals himself as a strong crypto believer

Bjelic revealed that he first learned about cryptocurrency in 2013. By 2017, he was really diving into it, excited by the idea of creating a worldwide, inclusive economy. Since then, he has dedicated himself to making that amazing vision a reality. 

This is evident since Polygon’s launch in 2019, as Bjelic and his colleagues have made great progress. According to reliable sources, they have achieved important advancements in zero-knowledge technology and brought on some of the biggest brands in the world, moving closer to that big dream.

By undertaking this great journey, Bjelic initially highlighted taking pride in this and felt lucky to collaborate with many skilled individuals. 

Concerning his resignation, he mentioned that he still felt just as enthusiastic about the potential of cryptocurrency to change systems, empower people, and build a fairer world. Therefore, he added that this belief continues to motivate him, and as a result, he will probably be seen around.

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Tether, the largest issuer of these digital tokens, says it will focus on markets beyond the United States as Congress further debates legislation to integrate stablecoins into the mainstream financial system.

On Monday, the Senate advanced an industry-supported regulatory bill called the Genius Act. Meanwhile, the House Financial Services Committee has approved its stablecoin legislation, though the full House has not yet passed it.

According to Paolo Ardoino, chief executive officer of Tether Holdings SA, they need to see how the Genius Act distinguishes between foreign and domestic issuers. He notes that their main interest will remain outside of the US.

Genius Act could reshape oversight for foreign issuers

Tether’s USDT stablecoin, based in El Salvador, represents over 60% of the stablecoin market and serves 420 million users across emerging markets. Despite facing conflicts with state and federal regulators over the years, the company has grown more active in the US, encouraged by a more crypto-friendly regulatory climate under President Donald Trump’s administration. 

Ardoino made his first trip to the US in March, stopping in Washington during Trump’s inaugural digital-asset summit. He noted that they are looking at the Genius Act in a way that will allow them to be compliant. He continued to say they could comply while focusing strongly on foreign markets.

The stablecoin bills currently under consideration in the House and Senate mandate that these tokens—typically pegged to the dollar or another currency—be fully backed by cash and “safe assets” like short-term Treasuries. They also require issuers to comply with the Bank Secrecy Act and anti-money-laundering regulations. Additionally, both bills would permit regulators to approve foreign issuers like Tether if they are governed by “comparable” regulations abroad.

However, uncertainty remains regarding how strictly the law will enforce compliance for those who fail to meet the requirements.

Ardoino said that stablecoins are important in the United States, but there are tons of ways to pay each other, such as Zelle, PayPal, debit cards, credit cards, and cash.

Although Tether does not currently serve US customers, most of the private company’s reserves consist of assets that would comply with the proposed US legislation. 

Tether eyes compliance while targeting the unbanked

However, the firm also backs its token with assets not permitted under the rules, such as Bitcoin and secured loans. Given its size, Tether would fall under federal regulation if it sought a US license under these regulations.

In 2021, Tether settled with US authorities over accusations that it misrepresented its reserves. Cantor Fitzgerald & Co., formerly led by Howard Lutnick, who served as Trump’s Secretary of Commerce, manages those reserves. Ardoino has indicated that the company may issue a new stablecoin designed to meet these regulatory requirements, potentially making it more appealing to institutional investors.

The more supportive regulatory climate in the US has also motivated Tether to move closer to obtaining a full audit of its reserves by a Big Four accounting firm, which Ardoino said is still under discussion. Currently, Tether provides quarterly attestations certified by BDO Italia SpA.

“They are going through a phase of adjustment, but a full audit is our priority,” Ardoino said.

Stablecoins have become crucial to the functioning of crypto markets, with about $243 billion of them in circulation in May 2025. 

On Friday, the Wall Street Journal reported that a consortium of major banks, including JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo, are exploring whether to issue a stablecoin jointly.

Ardoino expressed confidence that competition from traditional banking giants would have minimal impact on Tether’s core business.

While major U.S. banks are considering launching their own stablecoin, Tether remains focused on underserved global markets. According to Ardoino, these banks are likely to concentrate on Western economies, whereas Tether continues to target the roughly 3 billion unbanked individuals worldwide who remain outside the traditional financial system.

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In a market where early entries often define long-term gains, some tokens are still flying under the radar — despite clear signs of growth. Mutuum Finance (MUTM) is one of them. Currently priced under $0.03, this developing DeFi project is not just riding the presale momentum — it’s actively laying the foundation for long-term value.

With multiple utilities in progress and a rising number of investors positioning early, including participants from established communities like Solana (SOL) and Tron (TRX), MUTM is quickly becoming one of the best cryptos to invest in before the next wave of adoption kicks in.

Mutuum Finance (MUTM)

Mutuum Finance is now in Phase 5 of its presale, with a token price of $0.03 and a confirmed launch price of $0.06. That means early backers are already positioned for 100% upside even before the token reaches public exchanges.

But the price itself isn’t the headline — it’s what’s being built behind the scenes. With over $9,1 million raised and more than 11,000 holders already participating, the presale reflects growing belief in the project’s design, roadmap, and future token performance.

As more investors search for the best cryptocurrency to invest in, the MUTM presale is gaining traction not from buzz — but from a clear path to utility.

Lending and Borrowing With Real Yield Potential

At the heart of Mutuum’s protocol is a decentralized system for lending and borrowing digital assets. Here’s how it works:

Lenders deposit supported assets into smart contract pools and receive mtTokens — digital tokens that represent their deposits and grow in value as borrowers pay interest.

Borrowers provide collateral and access liquidity without selling their original assets. The protocol uses a Loan-to-Value (LTV) model to calculate how much can be borrowed, helping protect lenders and balance the system.

For example, a user could deposit stablecoins to earn passive income through interest-bearing returns, while another user borrows against their crypto holdings to fund short-term opportunities — all on-chain, without intermediaries.

This model brings utility to the token ecosystem and gives real function to MUTM beyond trading — a critical factor in long-term crypto investing.

Utilities That Will Drive Future Demand

Mutuum isn’t stopping at lending. The team is also developing a decentralized, overcollateralized stablecoin — one that will be backed entirely by assets held within the protocol. This stablecoin will be algorithmically controlled, ensuring stability and transparency while generating revenue through borrowing activity.

That revenue becomes part of a broader buy-and-redistribute system. As revenue is generated through interest and user activity on the platform, a designated share will be allocated toward acquiring MUTM tokens directly from public markets. These tokens are then redistributed to mtToken holders — creating a system that rewards long-term participation and increases token demand organically.

It’s a self-sustaining model that supports price growth through platform activity. And with each new feature planned for post-launch, the value proposition for MUTM continues to expand.

With a beta platform set to launch alongside the token, early users will be able to interact with key lending and borrowing features from the beginning — a rare advantage for presale participants. This immediate access puts MUTM in a different category from many new tokens that launch first, then build.

The upside isn’t theoretical. As more investors look beyond high-cap coins and into top crypto coins under $1, tokens like MUTM offer something critical: real structure with future earnings potential. And with infrastructure like Layer-2 scaling being built in, Mutuum Finance is addressing both cost-efficiency and user experience from the start.

Many early investors from ecosystems like Solana and Tron have already joined the Mutuum presale — not because of hype, but because of vision. With its protocol design, stablecoin integration, and planned token rewards, the project is assembling a complete DeFi structure while the token remains accessible.

For those searching for the best crypto to buy now before the next market breakout, MUTM is proving that you don’t need to chase trending coins to find long-term value — you just need to look where the structure is being built.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance

The decentralized finance sector is preparing for its next breakout phase — and this time, the spotlight may shift to projects that are quietly building real infrastructure rather than relying on temporary hype. Among the top contenders is Mutuum Finance (MUTM), a presale-stage protocol that’s attracting serious attention for how it’s approaching scalability, user incentives, and smart token distribution.

As investors begin asking what is the best cryptocurrency to invest in ahead of the next cycle, MUTM stands out because of its steadily actively built framework — and the growth potential that remains available to those who move early.

Mutuum Finance (MUTM)

Mutuum Finance sets itself apart from typical presale projects by demonstrating tangible development rather than simply aiming to hit fundraising targets. With over $9,1 million raised and more than 11,000 holders already onboard, the project has built strong momentum without overexposing itself. Currently in Phase 5 of the presale, MUTM is priced at $0.03, with its public listing set to debut at $0.06.

The combined momentum of a rapidly growing community and strong presale results is reinforcing trust among early backers. The focus has shifted beyond simply securing a low entry price — it’s now about positioning ahead of a platform that’s gearing up to deliver actual utility.

Mutuum is laying the groundwork for a decentralized lending and borrowing platform that blends automated liquidity pool participation with flexible, user-negotiated loan agreements. Instead of limiting users to pool-based interaction, the platform will offer a hybrid structure — enabling individuals to access liquidity through protocol-based contracts or negotiate terms directly with other participants. This flexibility broadens access and user control.

To enhance performance, the protocol is being developed with Layer-2 integration, which allows for faster, lower-cost transactions. This infrastructure choice significantly improves usability, addressing common pain points in DeFi like network congestion and high fees — and giving Mutuum a technical edge in terms of user experience.

Stablecoin Innovation Adds Depth

Among the key features in development is Mutuum’s upcoming decentralized stablecoin, which will be fully overcollateralized and backed by assets already held within the protocol. Unlike traditional stablecoins that rely on fiat reserves or centralized backers, Mutuum’s stable asset will be minted directly from on-chain collateral, ensuring full transparency and algorithmic supply adjustment.

This stablecoin will not only offer users a more reliable borrowing option but will also strengthen the protocol’s treasury by redirecting interest payments into the ecosystem. It’s a system designed to increase platform sustainability while opening up new utility paths for MUTM holders.

At the heart of Mutuum’s token economy is a buy-and-redistribute mechanism. As the platform starts producing revenue through user engagement, a share of that income will be allocated toward buying MUTM tokens directly from public markets. Those tokens will then be distributed to users holding mtTokens — the interest-bearing digital assets that reflect deposits made within the system.

This model creates a positive feedback loop: the more the platform is used, the more value is returned to engaged users. It’s a long-term reward system built into the protocol’s core operations — something that’s increasingly rare in the DeFi space.

While many tokens hit the market with no functional product behind them, Mutuum Finance plans to launch a beta version of the platform alongside the token listing. This means early holders won’t need to wait months for real utility — they’ll be able to lend, borrow, and interact with the system from day one.

This utility-first rollout is a key reason why MUTM is being discussed among the best crypto coins to buy now, especially for investors looking beyond meme tokens and short-term pumps.

What gives MUTM long-term potential is its balance: a flexible user experience, meaningful token distribution, early traction, and development still in motion. It’s not a finished product pretending to be disruptive — it’s a protocol being constructed methodically, with functionality driving its roadmap.

As the DeFi sector looks for new leaders, Mutuum Finance has positioned itself to rise with the next wave — not just by price, but by practical utility. And with major milestones still ahead, the opportunity to join early remains on the table.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance

As investor sentiment turns toward early-stage tokens with actual development in motion, Mutuum Finance (MUTM) is increasingly making its way onto shortlists for those asking what crypto to buy now. Still priced at just $0.03 and backed by a growing presale, the token is positioned for a breakout — not through speculation, but through the foundation being laid behind the scenes.

With platform utilities progressing, demand rising, and listings ahead, analysts are now forecasting a 16x gain from current levels in the near term — giving MUTM real momentum as one of the best cryptos to invest in before wider adoption kicks in.

Mutuum Finance (MUTM)

MUTM is more than an entry point — it’s the gateway to a larger DeFi protocol in active development. At the core of this ecosystem is a lending and borrowing system that will allow users to either contribute liquidity to earn passive yield or borrow capital against overcollateralized assets.

Mutuum’s infrastructure is being designed with Layer-2 scalability, enabling efficient transactions without the bottlenecks common on first-layer chains. This results in quicker transactions and reduced costs, making the platform more user-friendly and efficient for regular participants.

The platform is also preparing for a beta launch at the time of the token listing, allowing early participants to immediately engage with its initial features — a clear advantage over projects that delay usability until well after going live.

Early Interest Continues to Grow

Currently in Phase 5 of its presale, Mutuum Finance has raised over $9,1 million and surpassed 11,000 holders, reflecting strong early confidence in its long-term value. The presale price is set at $0.03, with a listing price confirmed at $0.06 — already positioning current buyers with a 100% upside even before the token hits public exchanges.

However, the real appeal lies in what’s expected to happen after listing. Based on the project’s growing ecosystem, projected utility adoption, and market exposure through listings, many analysts believe MUTM is headed for a short-term move toward $0.48, with the potential to reach $0.50 or higher as the platform gains traction.

That translates into a 16x gain from the current price. For example, a $3,000 investment today would be valued at $48,000 when the token hits that projected range — and this scenario is driven by actual protocol growth.

Mutuum isn’t limiting itself to lending alone. A decentralized, overcollateralized stablecoin is also in development — one that will be minted using excess collateral from within the protocol. Unlike centralized stablecoins that rely on fiat reserves, this asset will be transparently backed by on-chain value and designed to auto-adjust through a burn-and-mint cycle.

This stablecoin model will feed back into Mutuum’s broader system, with interest generated from stablecoin loans contributing directly to the treasury. That treasury is central to how MUTM’s reward system works.

Tokenomics That Support Long-Term Growth

MUTM’s tokenomics include a buy-and-distribute mechanism that channels protocol earnings back into the community. As the platform generates revenue from lending, borrowing, and stablecoin operations, a portion of those funds will be used to buy MUTM tokens from the open market.

These tokens are then redistributed to mtToken holders — users who have deposited assets into the platform and receive a dynamic token that accrues value over time. This approach rewards active users, promotes token retention, and supports ongoing demand.

While many new tokens struggle to justify their valuations, MUTM’s growth is grounded in development and projected platform use. With the protocol nearing its first public release, listings expected on major exchanges, and utilities actively being constructed, the conditions are in place for a price surge tied to real progress.

In the search for the next big cryptocurrency, the market is showing renewed interest in assets that offer more than price swings — and Mutuum is building toward exactly that.

Mutuum Finance is offering an exclusive $100,000 giveaway to show appreciation for early supporters, with 10 participants set to receive $10,000 worth of MUTM tokens each as part of the presale incentive campaign. This campaign adds another layer of value for those joining during the presale phase and reflects the project’s commitment to incentivizing early community involvement.

Mutuum Finance is shaping up to be one of the top crypto coins to buy before the next wave of adoption. It’s not just priced low — it’s backed by infrastructure, planned utilities, and a token model that aligns with user participation and long-term engagement.

As the presale progresses and utility launch nears, MUTM is proving that being early doesn’t mean being unproven. It means being positioned — before the market fully catches on.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance

The US-based prediction market Kalshi has made SOL deposits possible. Customers can add funds to their Solana accounts in this way. This follows the addition of support for Bitcoin deposits.

Kalshi and Zero Hash have decided to collaborate in order to make the Solana deposits possible. In addition to managing the transaction process and changing the contributions into US dollars, the company is also in charge of guaranteeing security and regulatory compliance.

🚨JUST IN: U.S.-based prediction market @Kalshi has enabled SOL deposits, allowing users to fund their accounts with Solana for the first time. pic.twitter.com/VJfN7JbVDg

— SolanaFloor (@SolanaFloor) May 23, 2025

This move to allow SOL deposits is designed to boost activity on the platform, which has been proven to have many crypto users. It is also meant to increase trading volume on crypto-related event contracts.

Kalshi strategic partnerships for expansion

The exchange and prediction market, which is regulated by the CFTC and lets investors trade on how real-life events will turn out, originally only accepted USD Coin (USDC) as a form of crypto deposit. Kalshi Circle’s USDC for bets received up to $25M in deposits during the US election season. 

In early 2025, Kalshi achieved monthly volumes of around $13M, with a peak of $26M in October 2024.

In early April, it added Bitcoin payments made through the Bitcoin network to the list of crypto deposits it accepts.

Kalshi has over 50 crypto-specific markets where users can trade contracts based on Bitcoin price thresholds, legislative events, and adoption milestones. For instance, markets for betting on coins’ 2025 highs and lows, as well as on headlines such as US President Donald Trump’s proposed National Bitcoin Reserve. The platform has over 300 markets in 12 main categories.

Several strategic relationships have led to the new integration. Kalshi and World App just released a mini app that lets users access regulated prediction markets from the World App interface. Users can also use Worldcoin (WLD) to pay their Kalshi account.

This week, Kalshi announced its integration with Elon Musk’s AI company, xAI to offer AI-generated information for betting on events that happen in the real world. Although it was called off, this still shows that the company has plans to expand.

Kalshi’s competes with Polymarket

Prediction markets, in particular, are starting to disrupt the sector. They’re growing fast in the US, and they’re not regulated the same way as traditional sports betting or online gambling. With both Kalshi and Polymarket, they are currently legal in all 50 states. 

Polymarket has been doing quite well because it doesn’t charge any fees to trade. Therefore, users can easily buy and sell shares, like betting on and against outcomes. If a user wants to cash out USDC, it costs 1.5%. However, the network fees are very low because it’s based on Polygon. 

Polymarket announced on March 25 that users can deposit SOL into their wallets. This to some extent has influenced Kalshi, its biggest competitor. In a now-deleted podcast segment,  Kalshi CEO admits enlisting influencers to dis Polymarket.

On the other hand, Kalshi charges 2% for each account withdrawal. They also charge a 1% trading fee that can’t be more than 10% of net profits and a 10% settlement fee on net wins. The fees differ for each payment method when you deposit or take money.

In addition, Polymarket works in a bit of a legal gray area. Its website doesn’t list any official rules. This has made it blocked in several countries. There are some risks when it comes to clear laws and market trickery. For instance, it was accused of fraud after a $7 million market was allegedly manipulated by UMA whales. 

However, many users are interested in trends like Polymarket’s decentralized, blockchain-based website. This is what Kalshi has become interested in. 

With Kalshi, users can also use regular money, and the CFTC fully regulates it. This makes it easy to use, especially for more traditional people.

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