The post Best Crypto to Invest in 2026: This DeFi Token is Predicted to Beat Ripple (XRP) 2021 Gains appeared first on Coinpedia Fintech News

Ripple (XRP) delivered one of the market’s top rallies in 2021, peaking at $1.96. However, as the market matures, analysts note that replicating big gains has become difficult for large-cap tokens. This shift has investors searching for the best crypto to invest in 2026. One DeFi crypto now drawing significant attention is Mutuum Finance (MUTM), a low-priced token at $0.04 in presale. MUTM is gaining traction for its decentralized lending and borrowing model and rapidly advancing presale adoption. Analysts believe MUTM has the potential to outperform even XRP’s 2021 run in the next market rally. This makes it the best crypto to invest in for early adopters.

Ripple (XRP) Holds Key Support During Market Reset

Ripple (XRP) is priced at $1.521, down roughly 56% from its 2025 high. This decline has occurred alongside continued ecosystem progress, including Ripple Labs securing an EU-wide electronic money license, which supports longer-term integration with financial institutions across Europe. For now, price action suggests a stabilization phase as the market digests recent volatility, with XRP behaving more as a mature, infrastructure-focused asset than a high-growth play. Investors are now keeping an eye on newer tokens that are still early in their development cycles, among them MUTM. 

Ripple (XRP) 2021 Rally: A Benchmark for Future Gains

In 2021, Ripple (XRP) delivered one of the market’s standout performances, rising from around $0.21 at the start of the year to a cycle high of $1.96, representing roughly a 900% gain over the course of the year. This surge was driven by renewed investor interest, network developments, and broader crypto market momentum. Analysts suggest that Mutuum Finance (MUTM) has the potential to replicate or even surpass similar percentage gains in the next cycle. These market strategists point to MUTM’s strong value drivers, such as its dual lending model, staking dividends, and attractive lending APYs, and rapidly progressing presale. This further positions MUTM as the best crypto to invest in for strategic market entrants.

MUTM Presale: Early Investors Gain the Edge

Mutuum Finance’s MUTM token is currently at $0.04 in Phase 7 of its presale, and is set to increase to $0.045 in Phase 8. Early participants are positioned to benefit the most from this price progression. Take the example of an investor putting $2,500 into the presale today. They will acquire 62,500 MUTM tokens. When Phase 8 begins, these tokens will be worth nearly $3,000, delivering a profit of $500 even before the presale concludes. By the time of listing at $0.06, the same holding will be valued at $3,750, representing a gain of $1,250 prior to any public market activity. This demonstrates why early entry into the MUTM presale can yield substantial returns for investors.

Passive Income Through Token Buybacks

Mutuum Finance incentivizes loyalty through its buyback and redistribution mechanism, which channels a portion of protocol revenue to purchase MUTM tokens and distribute them to mtToken stakers. For example, if the protocol generates $9 million in quarterly revenue and allocates 15% of it, or $1.35 million, for buybacks, this amount would be used to purchase MUTM tokens on the open market and return them to active stakers. An investor with a stake representing 0.5% of all staked mtTokens would receive approximately $6,750 worth of additional MUTM as passive income, on top of any interest accrued from lending pools. This provides a dual benefit of ongoing yield and rewards for long-term participation.

The MUTM Stablecoin

In the future, Mutuum Finance plans to introduce its own overcollateralized stablecoin, designed to let users unlock liquidity without giving up yield on their assets. Mutuum Finance’s native stablecoin allows users to borrow liquidity while their collateral continues to yield interest in lending pools. Collateral is required, e.g 150% of the borrowed amount to maintain system safety. For instance, an investor holding $30,000 in ETH could deposit the full amount as collateral to mint $18,000 in MUTM stablecoin. The ETH continues to accrue interest in Mutuum Finance’s lending pools, e.g 7–10% APY, where part of the yield generated can be used to repay the stablecoin loan.

Community Engagement Drives Adoption

Mutuum Finance has also focused on creating a strong and active community. The project recently launched a $100,000 giveaway, awarding $10,000 in MUTM tokens to ten lucky participants. Daily incentives, such as a $500 MUTM reward for the largest buyer of the day, encourage continuous engagement, while the recognition of the top 50 MUTM holders on a leaderboard fosters friendly competition among the community. These initiatives cultivate a loyal and active user base, driving adoption of the platform and positioning MUTM as one of the most promising new DeFi crypto projects entering 2026.

Forget XRP’s old rally. Mutuum Finance (MUTM) could easily be the best crypto to invest in for 2026. Priced at $0.04, this DeFi crypto offers a real lending platform and has raised over $20M, positioning it for huge gains. Join the presale today, while MUTM is still undervalued. 

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

Website:https://mutuum.com/ 

Linktree:https://linktr.ee/mutuumfinance 

The post BitMart Card Extends Coverage to 115+ Regions While Introducing 2026 Reward Enhancements Up to 5.5% Cashback appeared first on Coinpedia Fintech News

Mahe, Seychelles — BitMart has expanded the availability of its crypto-linked payment card, BitMart Card, to more than 115 countries and regions worldwide, marking a new phase in the platform’s payment ecosystem strategy. Alongside the geographic expansion, the company unveiled its 2026 reward structure, offering cashback rates of up to 5.5% and annual cumulative benefits exceeding $300. The move reflects the increasing integration of digital assets into day-to-day financial activity beyond exchange trading environments.

Everyday Spending Trends Support International Growth

Unlike some crypto payment products that rely on short-term promotions or remain limited to specific regions, BitMart Card’s global footprint has been built through sustained, real-world consumer demand. The card is now widely used across a range of everyday spending scenarios, including dining, online shopping, high-frequency daily expenses, and cross-border payments.

BitMart noted that the formation of stable usage patterns across multiple markets highlights increasing acceptance of crypto payments globally, as users seek practical, reliable ways to spend digital assets beyond trading environments.

Crypto Payments Transition Toward Functional Utility

In the early stages of crypto payment adoption, many products were largely experimental, with limited use cases and frequency. As infrastructure has matured, crypto payment tools are increasingly evolving toward everyday financial utilities.

The usage trajectory of BitMart Card reflects this shift. Crypto assets are no longer confined to on-platform balances, but are increasingly being used directly for real-world consumption. Whether for seamless payments during international travel or instant settlement in daily transactions, demand for stable, long-term crypto payment solutions is being met through BitMart Card.

Updated 2026 Rewards Emphasize Continued Engagement

As both user adoption and usage frequency continue to grow, BitMart has introduced a 2026 upgraded benefits structure for BitMart Card, designed to emphasize long-term value rather than short-term incentives.

According to the company, key highlights of the updated benefits framework include:

• Up to 5.5% cashback across a wide range of everyday spending categories
• More than $300 in annual cumulative rewards, combining welcome benefits and ongoing usage incentives for both new and existing users
• Additional benefits such as free ATM withdrawal allowances, tiered cashback structures, and long-term reward programs integrated with the BitMart ecosystem, aligning payment activity with broader asset participation

A BitMart spokesperson said the upgrade reflects a systematic optimization based on long-term user behavior, aimed at supporting the normalization of crypto payments in everyday consumption through sustainable incentives.

External Reviews Reinforce Competitive Standing

Amid intensifying competition in the crypto payments sector, BitMart Card has also received independent third-party recognition. The card recently ranked among the top global crypto cards evaluated by CryptoCardHub, an industry review platform that assessed 86 crypto card products worldwide. The recognition reflects the card’s practical usability, accessibility, and overall value proposition in real-world payment scenarios.

According to CryptoCardHub’s assessment, BitMart Card’s performance is driven by its focus on everyday spending convenience, automatic crypto-to-fiat conversion at the point of payment, and its integration with Visa’s global merchant network. This recognition underscores BitMart’s continued efforts to advance the mainstream adoption of digital assets through functional payment infrastructure.

Payment Infrastructure Gains Strategic Importance

As crypto trading infrastructure becomes increasingly standardized, industry competition is shifting toward real-world application and payment usability. Market observers widely view the ability to deliver consistent, reliable payment experiences across regions as a key differentiator in the next phase of platform competition.

BitMart emphasized that expanding BitMart Card to 115+ countries and regions represents a critical step in integrating crypto assets into the real economy. The company said this foundation not only strengthens its position in crypto payments but also supports future expansion into broader payment scenarios and financial services.

For further details on BitMart Card’s 2026 rewards, supported payment scenarios, and availability, visit: https://www.bitmart.com/en-US/activity/BitMart-Card-Benefits

About BitMart

BitMart is a premier global digital asset trading platform with more than 13 million users worldwide. Consistently ranked among the top crypto exchanges on CoinGecko, BitMart offers over 1,700 trading pairs with competitive fees. Committed to continuous innovation and financial inclusivity, BitMart empowers users globally to trade seamlessly. Learn more about BitMart on the Website, follow their X (Twitter), or join their Telegram for updates, news, and promotions. Download the BitMart App to trade anytime, anywhere.

The post Bitcoin Price Sweeps 2025 USD Lows, As Some Investors Are Starting to Look Elsewhere for Returns appeared first on Coinpedia Fintech News

Bitcoin has once again tested investor conviction. After revisiting levels last seen during the 2025 drawdown, price action has reinforced a familiar reality of the asset class: volatility remains a defining feature, even as the market continues to mature.

For long-term holders, these cycles are nothing new. Bitcoin has weathered repeated corrections over the past decade, often emerging stronger in subsequent phases. But for a growing segment of the market, particularly investors with longer planning horizons, the latest move has prompted a broader reassessment of how returns are generated in crypto.

The question increasingly being asked is not whether Bitcoin will recover, but whether relying solely on price appreciation remains the most effective way to deploy capital in digital assets.

Volatility Is Normal, Expectations Are Changing

Bitcoin’s price history has always been cyclical. Sharp drawdowns have historically coincided with periods of consolidation, shifts in liquidity conditions, or broader macro uncertainty. What has changed over time is the composition of participants.

As crypto ownership has expanded beyond early adopters and traders, more capital is entering the market with different expectations. Portfolio managers, family offices, and long-term allocators tend to evaluate exposure through a wider lens, balancing risk, time horizons, and income needs.

For these investors, volatility is not necessarily a reason to exit the market. It is, however, a reason to reconsider how exposure is structured.

From Price Exposure to Return Structure

For much of crypto’s history, returns have been dominated by price movements. Income strategies, where they existed, were often variable by design. Staking rewards fluctuated. Lending rates adjusted with demand. Incentive programs changed as protocols evolved.

While these approaches remain relevant for active participants, they offer limited predictability. Returns can vary significantly over time, and planning around future cash flows is difficult.

This has led some investors to explore alternatives that place more emphasis on structure than on market timing. Rather than attempting to optimise entry and exit points, the focus shifts toward defined terms, known durations, and clearer expectations around income.

Why This Shift Is Gaining Attention Now

Several factors are converging to make this reassessment more visible.

First, crypto markets have matured operationally. Custody, settlement, and reporting infrastructure has improved, making more structured approaches feasible.

Second, the experience of recent market cycles has highlighted the trade-offs between flexibility and predictability. Variable returns can be attractive in rising markets, but they also introduce uncertainty during prolonged periods of consolidation.

Finally, as digital assets increasingly sit alongside traditional investments, they are being evaluated using familiar financial frameworks. Concepts such as duration, income visibility, and risk-adjusted returns are becoming part of the conversation.

Fixed Income Enters the Discussion

In traditional finance, fixed-income instruments exist to provide clarity. Capital is committed for a defined period. Returns are agreed upfront. Payments follow a schedule. The trade-off is well understood: upside is capped in exchange for predictability.

In crypto, applying these principles is still relatively new, but interest is growing. Some platforms are beginning to structure exposure through fixed-term instruments that aim to deliver defined returns independent of short-term price movements.

Rather than replacing direct asset exposure, these approaches are being viewed as complementary. They offer an alternative for capital that prioritises planning over speculation.

how fixed income works in crypto

A Broader Reassessment of Crypto Returns

Bitcoin’s recent price action has not undermined its long-term narrative. If anything, it has reinforced its role as a volatile, high-conviction asset. What it has done, however, is accelerate a conversation that was already underway.

As the market evolves, investors are increasingly distinguishing between exposure and outcome. Holding Bitcoin remains a strategic decision. How returns are generated on deployed capital is becoming a separate one.

Platforms such as Varntix have emerged as part of this broader shift by exploring fixed-income structures within a digital asset context. Their relevance lies less in any single product and more in what they represent: a move toward clearer expectations and more deliberate capital allocation.

The Bigger Picture

Bitcoin will continue to be central to crypto markets, and volatility will remain part of the landscape. But as participation broadens, so too will the range of strategies investors use to engage with digital assets.

For some, price exposure will remain the primary focus. For others, particularly those navigating longer time horizons, the appeal of structured returns is becoming harder to ignore.

The current market environment is not signalling an exit from crypto. It is signalling a diversification of how returns are pursued within it.

The post Uniswap Struggles at $3.93: Why Digitap ($TAP) is the Best Crypto to Buy in a Crash appeared first on Coinpedia Fintech News

Uniswap (UNI), one of the top blockchain projects in the decentralized exchange sector, has lost all momentum over the past few months. UNI briefly challenged the $6.5 level in late 2025, but it has since collapsed to $3.9 and is struggling to find support around that level. 

Large-cap tokens have failed to regain momentum in this bearish cycle, while emerging utility tokens with superior economic moats are gaining massive traction as the next winners. 

On the cross-border banking front, Digitap ($TAP) has emerged as a leader by introducing the world’s first omnibank platform that connects currency and crypto in a single app. Because of its first-mover advantage and a massive total addressable market of billions of users, Digitap is now ranked as the best crypto to buy in a crash.

Uniswap below multi-year support: Is a crash to $3 coming?

During the recent market crash, Uniswap struggled to break below the multi-year support level of $4.5-$5. This support zone was significant, as it protected the downside in many cycles. Amid bearish market conditions, the breakdown of this support level has opened the door to further downside, removing Uniswap from the list of the best cryptos to buy in a crash. 

This bearish outlook has been further reinforced by derivative traders, who are increasing bets on short leveraged positions. 

As of press time, Uniswap was trading at around $3.90, down about 18% over the past seven days. Historical price action data show that if UNI fails to reclaim and sustain above the $4.5 support, the current decline could extend by $3, representing another 22% loss from current levels. 

Persistent underperformance in Uniswap’s price has prompted investors to seek top altcoins to buy to recoup losses during short-term upswings. 

Digitap ($TAP): Banking revolution in a single app

Digitap has attracted attention despite weak market conditions because it’s the world’s first omnibank platform with the potential to disrupt the crypto banking sector. It operates on multi-rail infrastructure and already has a working product. While many projects are still building promises, Digitap delivers tools people can use today, positioning it as the best crypto to buy in a crash. 

The Digitap app is live on both iOS and Android. It allows users to manage traditional money and digital assets in one place. From everyday banking to saving, investing, and spending, users can handle multiple fiat currencies alongside more than 100 cryptocurrencies without switching platforms.

By blending crypto speed with traditional banking access, Digitap enables cross-border money transfers at fees below 1%. This approach opens the door to the global remittance market, a trillion-dollar industry that still relies on slow and expensive systems. Being early in this space gives Digitap a strong advantage as demand for cheaper international transfers continues to rise.

The platform recently expanded its capabilities by enabling Solana deposits directly inside the app. Users can now add SOL and USDT via the Solana network, enabling faster transactions and lower fees. This update directly addressed community requests for speed, highlighting Digitap’s focus on practical improvements.

Why $TAP is the best crypto to buy in the 2026 crash

While Uniswap continues to move sideways around $3.93, crypto presales like Digitap are gaining investors’ attention. When popular projects lose momentum, capital often shifts toward newer ideas with clearer growth potential.

USE THE CODE “BIGWALLET35” FOR 35% OFF $TAP TOKENS. LIMITED OFFER

For investors scanning the market for the best crypto buy in this crash, Digitap stands out among presale projects. Early entries often carry a higher risk but also offer the greatest upside. With $TAP priced at $0.0467, it offers a ground-floor entry into a project that could easily reach $1 if adoption accelerates.

Discover how Digitap is unifying cash and crypto by checking out their project here:

Presale: https://presale.digitap.app

Website: https://digitap.app 

Social: https://linktr.ee/digitap.app 

Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway

The post Top Crypto Investment Opportunity for $1,000 in 2026: Analysts Weigh In appeared first on Coinpedia Fintech News

By 2026, the focus of the market is shifting away from the slow-moving leaders of the past decade. As investors look for the next big crypto breakout, attention is increasingly turning to newer protocols rather than only established coins. A quiet change is taking place as projects that address real challenges in crypto lending begin to stand out.

Many analysts believe that the strongest upside in this cycle may come from assets that are still early in their growth and adoption. While much of the attention remains on older tokens, new crypto infrastructure is being developed that could reshape how digital finance works. 

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a decentralized protocol focused on crypto lending and borrowing. The project is developing a non-custodial system that allows users to access liquidity while maintaining ownership of their digital assets, with all activity designed to run through smart contracts rather than intermediaries.

The protocol has already reached notable funding milestones, raising over $20.4 million from a global community of more than 19,000 token holders, reflecting growing interest as development continues.

Participation is currently managed through a structured presale that is moving through its final stages. The project is currently in Phase 7, where the price of the MUTM token is set at $0.04. This follows a growth path that started at just $0.01 in early 2025, representing a 300% surge so far. 

With the official launch price confirmed at $0.06, investors entering at the current rate are securing a 50% increase in value before the token even hits public exchanges. The total supply is fixed at 4 billion tokens, with 45.5% (1.82 billion) specifically allocated for the community during these presale stages.

V1 Activation and Passive Yield Mechanism

The biggest catalyst for the recent growth is the official activation of the V1 protocol on the Sepolia testnet. This move has proved that the code is functional. Users can now test core features such as liquidity pools and automated borrowing flows. A key component of this system is the mtToken. 

When you supply assets like ETH or USDT to the protocol, you receive mtTokens that act as interest-bearing receipts. These tokens automatically grow in value as borrowers pay interest back into the system. This allows lenders to earn a passive yield without having to manage their positions actively.

To support the long-term price of the token, the protocol’s whitepaper uses a buy-and-distribute model. A portion of the fees generated from lending activity is used to purchase MUTM tokens on the open market. These tokens are then distributed to participants who stake their mtTokens in the safety module. 

This creates consistent buying pressure and aligns the token’s value with the actual usage of the platform. Because of these strong utility mechanics, many analysts are highly optimistic. Current predictions suggest that the token could see a 600% to 1,000% increase within the first few months of its mainnet release, with some experts eyeing a move toward the $0.30 to $0.45 range.

Security and Community Trust

In the world of DeFi, security is the most important factor for success. Mutuum Finance has prioritized safety by completing a full independent audit with Halborn Security. This firm is known for testing some of the most complex architectures in the blockchain world. 

Additionally, the project holds a high 90/100 score from CertiK, verifying that its smart contracts are built to institutional standards. The team also maintains a $50,000 bug bounty to reward security researchers for finding and reporting any potential vulnerabilities.

To keep the community engaged during these final stages, the project features a 24-hour leaderboard. Every day, the top daily contributor is rewarded with a $500 bonus in MUTM tokens. This transparent system ensures that the most active supporters are rewarded while the project maintains its steady momentum. 

With over 840 million tokens already sold and the V1 testnet live, the window to access Phase 7 prices is closing quickly. As the project prepares for its full public debut, the combination of technical milestones and community backing has positioned MUTM as a top crypto opportunity for the 2026 cycle.

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

Website:https://www.mutuum.com

Linktree:https://linktr.ee/mutuumfinance

The post Crypto Markets Are Weak — Here’s How Some Investors Are Still Earning with SolStaking appeared first on Coinpedia Fintech News

Bitcoin (BTC) has recently slipped below the $80,000 psychological level, as thin liquidity and futures-related liquidations amplified market volatility. With macro uncertainty rising and risk appetite weakening, short-term price stability has once again become a concern across the crypto market. In this environment, strategies that rely solely on predicting price direction are facing growing uncertainty.

When Market Volatility Becomes the Risk

As volatility intensifies, many participants are realizing that risk does not only come from “being wrong on direction,” but from overexposure to price movements themselves. During choppy market cycles, strategies based on short-term trading or leverage are easily disrupted by sudden shifts in liquidity and market sentiment. As a result, some investors are beginning to explore participation models with clearer rules, fixed cycles, and automated settlement—seeking ways to stay engaged in the market without being fully dependent on price trends.

What Is SolStaking?

SolStaking is a platform that provides multi-asset staking and cloud mining services. Rather than focusing on market timing or price prediction, SolStaking is designed around contract-based participation models that aim to operate consistently across different market conditions.

At the infrastructure level,SolStaking places strong emphasis on compliance and security for long-term operation:

• U.S.-registered operating entity: Sol Investments, LLC
• Asset segregation: User staking assets are kept strictly separate from platform operating funds
• Independent audits: Periodic audits conducted by PwC
• Custody insurance: Coverage provided by Lloyd’s of London
• Enterprise-grade security: Multi-layer encryption, system isolation, and 24/7 risk monitoring

This framework is not built for short-term speculation, but for sustained operation in volatile market environments.

The Role of Real-World Assets (RWA)

Unlike models that are fully exposed to on-chain price fluctuations, SolStaking incorporates Real-World Assets (RWA) as part of its underlying support. These assets include, but are not limited to:Large-scale AI data center operations, sovereign and investment-grade bonds, physical gold and commodities, industrial metal inventories, logistics and cold-chain infrastructure, as well as agricultural and clean energy projects.These real-world assets operate off-chain and generate relatively stable revenue streams. After verification and accounting, relevant data is mapped on-chain, where smart contracts execute settlement automatically based on predefined rules—without manual intervention. This approach helps reduce reliance on single-market price movements.

SolStaking Contract Examples (Model Illustration)

SolStaking offers a range of staking and cloud mining contracts designed to accommodate different capital sizes and participation periods, including:

Contract Type	Starting Amount	Duration	Estimated Settlement
Trial Plan	$100	2 days	approx. $108
TRX Income Plan	$3,000	15 days	approx. $3,585
XRP Flagship Plan	$30,000	30 days	approx. $44,400
BTC Flagship Plan	$300,000	50 days	approx. $630,000

The above figures are model illustrations. Actual results depend on contract terms and system performance.

Under certain capital allocations and contract configurations, the system model can generate results equivalent to approximately 3,000+ XRP per day, driven by operational design and execution efficiency rather than market price movements.

How to Get Started

Participation follows a straightforward process:

Step 1: Register an Account
Visit https://solstaking.com and complete account registration.

Step 2: Choose a Contract
Deposit XRP, BTC, ETH, or SOL, and select a staking or cloud mining contract aligned with your capital size.

Step 3: Contract Execution & Settlement
Once activated, the system runs automatically. Returns are settled according to contract rules and credited to your account, with asset and earnings status available for review and withdrawal.

The platform supports deposits and withdrawals in multiple cryptocurrencies, including USDT, BTC, ETH, XRP, USDC, SOL, LTC, and DOGE.

Conclusion

As Bitcoin breaks key support levels and market volatility becomes a constant rather than an exception, more participants are reassessing how they engage with crypto markets.

The challenge may no longer be improving price forecasts—but upgrading participation models.

SolStaking represents one approach designed to remain operational and consistent in environments defined by uncertainty rather than momentum.

Official Website: https://solstaking.com

The post Market Sentiment Hits Rock Bottom: Why Digitap ($TAP) is the Best Crypto to Buy Now appeared first on Coinpedia Fintech News

The early weeks of 2026 have delivered a harsh reality check to the crypto industry. The Fear and Greed Index sank to extreme fear levels. With Bitcoin (BTC) struggling to regain $80,000 and Ethereum (ETH) facing ongoing outflows, it is clear that a bear market has arrived. 

Investors now want projects that offer real-world utility. In the current risk-off environment, investors are no longer gambling on unproven protocols. Instead, they are turning to Digitap ($TAP), an omni-bank ecosystem that has bridged the gap between decentralized finance and traditional global banking. 

Digitap has built a live, downloadable app that blends crypto and fiat into one banking dashboard. This utility makes it the best crypto to buy this February. And $TAP is emerging as a favorite asset for investors looking to shield their portfolios from further losses.

Here is why over 120,000 wallets have already been connected to its dashboard.

Crypto Panic Peaks: Why Smart Money is Rotating to $TAP

Institutional capital is flowing out of traditional large caps due to increased volatility. Market sentiment has dropped to extreme fear in early February 2026, with the Fear & Greed Index reaching a yearly low of 14.

This severe drop followed a disastrous “Black Sunday” where Bitcoin collapsed below $75,000, wiping out more than $2.2 billion in leveraged positions. The macroeconomic pressures, consisting of US dollar strength and geopolitical tensions, resulted in widespread ETF outflows and institutional de-risking.

Nevertheless, smart money is always rotating elsewhere while retail panic peaks. These experienced investors are shifting their focus toward platforms that offer real-world utility like Digitap.

Its omni-bank ecosystem enables it to maintain steady utility despite the general market’s liquidity drought and technical bearish trend. This ability to thrive even during a weak market is the reason investors consider $TAP as the best altcoin to buy this February.

Why Smart Money is Betting on $TAP’s Real-World Digital Bank

The smart investors are looking for refuge in projects that generate revenue irrespective of market direction. Digitap thrives in these conditions because it is building a fully operational digital bank with its app already available on the Apple App Store and Google Play Store.

Notably, Digitap enables users to manage multi-currency accounts and virtual cards that offer near-instant transactions at near-zero fees. These components make $TAP’s crypto presale a lucrative investment opportunity.

The shift toward utility is dominating the 2026 cycle, with investors preferring projects that enable them to spend crypto like cash. They do not want assets that rely on hype and speculation to grow.

Digitap’s omni-bank offers a circular economy where transaction fees and currency swaps drive the ecosystem. In a market where sentiment has dropped considerably, the ability to spend crypto in the real world using a Visa-backed card is the largest fundamental floor for any crypto project.

Digitap’s Solana Integration Powers Instant Visa Spending

Digitap has been building an impressive infrastructure that appeals to most investors. A significant turning point happened when Solana-native deposits were officially launched on the platform. Digitap has an ecosystem that favors modern investors who want speed and cost-efficiency.

With this integration, Digitap now lets users top up their banking wallets using SOL, USDT, or USDC directly from the Solana network. Thus, it connects one of the world’s most active retail blockchains with over 80 million merchant locations that accept Visa card payments.

By leveraging Solana’s fast transactions and low fees, Digitap has eliminated the challenges that previously plagued crypto-to-fiat conversion. Users do not need to engage with a centralized exchange or wait for many hours or network confirmations.

Investors can move their Solana-based assets into the Digitap omni-bank and spend them instantly. This collaboration has resulted in increased demand and a huge influx of new users who want to enjoy the efficiency of payment finance (PayFi).

Crypto to Buy in Volatility: $TAP Presale Appeals at 66% Discount

While the prices of large altcoins swing wildly, influenced by macroeconomic news, the $TAP crypto presale provides users with a defined and predictable growth path. Currently available at $0.0467, the token is selling at a 66.64% discount from a set exchange listing price of $0.14.

For those investors who buy $TAP at its current price, they will access a built-in 200% gain before $TAP hits the open market. This predictability is a huge advantage in the current highly volatile market.  

While other investors watch their portfolio decline alongside large-cap cryptos, $TAP holders have invested in an asset with a clear trajectory and a defined value floor.

With more than $5 million raised from the purchase of 213 million coins and Round 3 selling out quickly, there is huge demand for Digitap. It means the market wants projects that merge early-stage growth with a functional product.

$TAP’s Deflationary Tokenomics Give it Bear Market Resilience 

The long-term growth potential of Digitap is also boosted by its exclusive deflationary mechanics and “Real Yield” staking. While most other projects use inflationary tokenomics to appeal to investors, Digitap is built with a fixed maximum supply of 2 billion tokens without any additional minting.

Furthermore, the project uses 50% of all profits to buy back and burn $TAP tokens or redistribute them to stakers, aiming to drive scarcity.

Digitap is highly appealing because it also offers a 124% APY in its current crypto presale staking program. The yield is underpinned by the revenue generated from the platform’s banking services. Therefore, as more investors use their Digitap Visa cards and transact on the platform, the rewards offered to holders increase organically.

In the current bear market conditions, this high-yield, revenue-backed staking reduces the impact of market-wide meltdowns. Also, it continuously increases the holders’ share of the total token supply.

$TAP Thrives Amid Market Fear with Live Utility

Market history shows that the most lucrative investment opportunities often arise when fear is high and the market is bleeding. Digitap offers an exclusive blend of a mature, live banking product and a high-growth crypto presale.

With its platform already serving over 120,000 wallets and its integration with Solana rails making spending easy, $TAP is the best crypto to buy in 2026. For investors who are fed up with the uncertainty of the current market, Digitap offers a defined, utility-driven path to outshine the cycle. 

Discover how Digitap is unifying cash and crypto by checking out their project here:

• Presale: https://presale.digitap.app
• Website: https://digitap.app 
• Social: https://linktr.ee/digitap.app 
• Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway

The post Next Big Crypto to Hit $1: Experts Identify This Cheap Altcoin for 2026 Upside appeared first on Coinpedia Fintech News

As Q2 2026 approaches, investors are moving their focus toward protocols that aim to solve financial problems. While many top altcoins struggle with high prices and slow growth, a new crypto generation of utility tokens is emerging. Experts are now pointing to one specific under-the-radar project as a top contender to hit the $1 milestone. This project is a fast-growing ecosystem that combines high-tech lending with a rock-solid security foundation. 

What is Mutuum Finance (MUTM)?

Mutuum Finance (MUTM) is developing a decentralized lending and borrowing protocol designed to help users unlock liquidity from their digital assets without selling them. The platform is being built around a dual-market structure intended to support both straightforward lending activity and more advanced financial use cases, aiming to improve efficiency and transparency across the process.

Within the protocol’s design, users who supply assets are expected to earn variable annual percentage yields (APY), which adjust based on borrowing demand and pool utilization. For example, if a stablecoin pool offers a 6% APY, a user supplying $10,000 worth of assets could earn approximately $600 over one year, excluding compounding effects. 

These yields are represented through interest-bearing mtTokens, which grow in value over time rather than paying out rewards manually. This structure is intended to keep returns predictable, transparent, and directly tied to real protocol usage rather than emissions or short-term incentives.

The project has seen strong growth since early Q1 2025. Mutuum Finance has raised more than $20.2 million and attracted over 19,000 investors, an unusually large community for a protocol still in its presale stage. This level of participation has helped position the project as one of the more closely watched emerging top crypto platforms.

The presale is currently in Phase 7, with MUTM priced at $0.04. This represents a steady increase from the initial $0.01 entry price, while still remaining below the project’s stated target launch valuation of $0.06.

V1 Launch and Proven Security

A major driver behind the growing attention is the successful activation of the V1 protocol on the Sepolia testnet. This milestone confirms that Mutuum Finance’s core technology is functional in a live environment rather than existing only on paper.

With V1 active, users can now interact with liquidity pools by supplying test assets and observing how interest is generated as borrowing demand increases. When a user borrows from a pool, the protocol issues debt tokens that track the borrowed amount plus accrued interest over time. For example, borrowing $1,000 at a 5% variable rate results in a debt position that gradually increases as interest accumulates.

Each position is monitored through a health factor and stability factor, which measure how safely a loan is collateralized. A health factor above 1.0 indicates a safe position, while dropping below that threshold would make the loan eligible for liquidation. This system ensures that liquidity pools remain solvent and that risk is managed automatically across the protocol.

Because of this technical progress, several analysts are already issuing bold price predictions. Many experts believe that once the mainnet goes live, MUTM could see an initial surge to the $0.25 to $0.30 range. This would represent a 625% to 750% MUTM appreciation from current levels.

The Power of Consistent Demand

The project’s roadmap also features a buy-and-distribute mechanism to support the token price. A portion of the platform’s revenue will be used to buy MUTM tokens from the open market. These tokens are then given to users who stake mtTokens in the safety module. This creates constant buying pressure and rewards long-term holders. 

To reinforce trust around the protocol, Mutuum Finance has completed a full audit with Halborn Security, a well-known blockchain security firm, to review its smart-contract architecture. Halborn is recognized for auditing major DeFi protocols and identifying critical vulnerabilities before deployment. This added security layer is intended to reduce technical risk while ensuring that revenue distribution and staking mechanisms operate as designed.

To keep the community excited, there is also a 24-hour leaderboard. The top daily contributor wins a $500 bonus in MUTM tokens. This daily competition has helped Phase 7 move faster than any previous stage. Based on these utility features, some analysts have issued a second price prediction, expecting a 10x MUTM growth move by the end of 2026 as long as the roadmap unfolds as expected.

The Final Window for Whale Allocations

Right now, Phase 7 is quickly selling out as the project nears its final milestones. The market is seeing a massive influx of whale allocations, with some single entries exceeding $100,000. This is a crucial signal for retail investors because it shows big money is moving in. 

When the smart money moves in with large sums, it usually means the technical delivery of the project has met their high standards. These large players are rushing in for three main reasons. First, buying at $0.04 before the $0.06 launch provides an instant advantage. Second, the V1 testnet success has removed much of the early-stage risk. Third, the remaining presale supply is becoming highly competitive with over 840 million tokens already sold. 

As the presale nears its final stages, the window to secure MUTM at these rates is closing. With a working product, verified security, and a clear path to $1, Mutuum Finance is positioning itself as the next big crypto in 2026.

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

Website:https://www.mutuum.com

Linktree:https://linktr.ee/mutuumfinance

The post Smart Energy Pays Officially Launches in the U.S. appeared first on Coinpedia Fintech News

Smart Energy Pays has announced its expansion into the U.S. market, aiming to strengthen its global presence in digital financial infrastructure. The platform is operated by Smart Energy Pay Solution Ltd. and focuses on building systems that support real economic activity.

The U.S. is widely recognized as a major hub for fintech and digital payments, driven by strong institutional adoption and regulatory maturity.

As part of the expansion, the SEP utility token has been listed on UZX, a centralized exchange designed to support international market access. The Smart Energy Chain, the company’s proprietary Layer-1 blockchain, provides the technical foundation for settlement and transaction processing.

Smart Energy Pays offers a financial platform that connects fiat and digital payment flows. The SEP token is used solely for technical settlement, validation, and fee mechanisms.

Security and compliance measures include ISO 27001 standards, PCI-DSS and SOC-2 compliance, KYC and AML processes, and ongoing security audits with Hacken. 

Learn more at:

Smart Energy Official Website| X | How to Sign Up on Smart Energy Pays