The post Which Crypto to Buy Today for Long-Term Gains? A Utility Token Targeting $3 Post Listing appeared first on Coinpedia Fintech News

Investors in the crypto market are always searching for the next big crypto that brings both innovation and stability. In 2025, one project is drawing serious attention for its blend of real-world use and long-term potential — Mutuum Finance (MUTM). Built as a decentralized lending protocol, it is developing a foundation that promises steady demand, active rewards, and transparent governance. Analysts tracking its presale growth already project a climb toward $3 post-listing, placing it among the most anticipated entries in upcoming crypto charts.

Phase 6 Presale: Smart Entry Before the Next Jump

Mutuum Finance (MUTM) is now in Phase 6 of its presale, offering tokens at $0.035. Out of the 170 million tokens allocated for this round, most are already sold. The project has attracted more than 17,500 holders and raised around $18 million across all phases. The next phase will raise the price to $0.040, marking a 15% step-up as the presale progresses toward the final price of $0.06.

The total supply of 4 billion tokens is carefully distributed across 11 phases, allowing gradual onboarding before listings begin. With this structured release, investors get clear visibility into the project’s growth timeline and capital distribution.

Mutuum Finance (MUTM) will introduce a dual-layer lending system that blends automation with flexibility. The Peer-to-Contract model will connect borrowers and lenders instantly through smart liquidity pools. Meanwhile, the Peer-to-Peer system will allow direct lending agreements for those seeking custom terms and higher control.

As per projects team on X, its first protocol rollout is scheduled for the Sepolia Testnet in late 2025. This version will feature mtTokens, Debt Tokens, and an automated Liquidator Bot, supporting ETH and USDT pairs for lending/borrowing and collateral activities. These modules will lay the groundwork for Mutuum’s future ecosystem, bringing real lending activity into decentralized finance.

Building a Utility Engine Through Stablecoin Innovation

One of Mutuum Finance (MUTM)’s biggest upcoming features will be its decentralized stablecoin. Designed to maintain a steady $1 peg, it will be created only when users borrow against approved collateral like ETH. When loans are repaid or liquidated, the stablecoin will automatically be burned, maintaining balance in the system.

This stablecoin will not depend on speculation but on actual borrowing and repayment activity, forming a consistent cycle of demand. Each approved issuer will have a capped limit, ensuring borrowing activity remains controlled. Governance will regulate interest rates to keep the peg close to $1 — lowering rates when the price moves above and raising them when it drops below. Arbitrage traders will help maintain that balance through natural market movements.

Open Market MUTM Buybacks and Chainlink Feeds

This cycle of borrowing, minting, and repaying will keep liquidity circulating within the ecosystem. It will also generate continuous protocol revenue that connects directly to MUTM’s reward system. As revenue builds, the platform will use it to buy back MUTM from the open market and distribute rewards to mtToken stakers. This mechanism will drive long-term token engagement, making the system self-sustaining and community-powered.

Mutuum Finance (MUTM) will also integrate Chainlink data feeds to ensure fair and accurate pricing for assets. These oracles will track asset values in real time, preventing manipulation and inaccurate liquidations. Backup oracles and on-chain price metrics will further secure the process, allowing investors to trust the platform’s reliability. Such transparency will attract larger lenders and DeFi treasuries looking for predictable outcomes. The growth in total value locked and transaction activity will expand protocol earnings — which, in turn, will strengthen demand for MUTM.

Security, Transparency, and Long-Term Growth

Mutuum Finance (MUTM) has already completed a comprehensive CertiK audit. The review included manual testing and static analysis, producing a Token Scan Score of 90.00 and a Skynet Score of 79.00. The audit, first requested in February 2025 and updated in May 2025, reinforces the team’s commitment to safety and clarity.

To complement that, the project has introduced a $50,000 USDT Bug Bounty Program that rewards community members who identify vulnerabilities. Critical findings earn up to $2,000, while smaller discoveries receive tiered rewards. This open structure keeps security continuous and transparent.

Market experts analyzing crypto charts compare Mutuum Finance (MUTM)’s early-stage setup to top lending platforms like Aave and MakerDAO during their initial years. One senior analyst who previously forecast XRP’s breakout in 2017 now projects MUTM to reach $3 by mid-2026 — representing an 85x return from the current $0.035 presale price and a 50x rise from the final presale stage.

This projection is built on real mechanics rather than speculation. As the platform’s stablecoin gains adoption, loan activity increases, and buybacks distribute more MUTM to stakers, demand for the token will keep rising. That cycle of participation, revenue, and reinvestment defines Mutuum Finance (MUTM)’s growth path.

Final Outlook: A Long-Term Utility Gem in the Making

Mutuum Finance (MUTM) is emerging as one of the most promising defi projects of 2025. Its model combines a lending framework, stablecoin system, and on-chain rewards in one unified ecosystem. With over 17,500 holders already on board and Phase 6 nearing completion, the presale offers a final low-cost entry before the next price move.

For investors searching for the next big crypto with genuine utility and long-term growth, Mutuum Finance (MUTM) stands out. It blends the best of decentralized credit, staking rewards, and stable liquidity. As the platform moves toward its Testnet launch and eventual listings, the current $0.035 stage marks a rare opportunity — one that forward-looking investors are treating as a timely entry into a project built for the future.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Pleasing International Launches RWA Platform “Pleasing Golden,” Introducing Tokenized Gold (PGOLD) and Synthetic Dollar (PUSD) appeared first on Coinpedia Fintech News

Pleasing International, a licensed precious-metals enterprise based in Hong Kong, is working with LayerZero and Chainlink to launch Pleasing Golden, an RWA platform redefining how precious metals are traded, invested, and settled on-chain.

Starting with deployments on Arbitrum and ApeChain, Pleasing Golden bridges traditional commodities with blockchain technology, creating a transparent, efficient, and inclusive market for both institutional and retail participants.

Empowering a Frictionless Precious Metals Economy

Pleasing Golden’s vision is to make gold ownership open, liquid, and collaborative. Through tokenization and a suite of liquidity-sharing programs—including DeFi liquidity leasing and Tokenization-as-a-Service—the brand transforms slow, closed markets into dynamic, programmable assets that can circulate instantly among builders, traders, and holders.

For years, Pleasing International has been a cornerstone of Asia’s physical gold market. Now, through Pleasing Golden, that expertise moves on-chain—delivering institutional-grade metals trading with real-time transparency, shared liquidity, and community participation accessible to anyone, anywhere.

Pleasing Gold (PGOLD): A Digital Token Fully Backed by Physical Gold

PGOLD is the flagship token of Pleasing Golden, each representing one troy ounce of LBMA-certified physical gold. Since 2023, Pleasing International has built an integrated ecosystem of vaulting, refining, logistics, and distribution, partnering with leading operators across the APAC region.

Unlike traditional gold-backed products, PGOLD brings physical ownership on-chain, powered by LayerZero’s omnichain framework for cross-chain interoperability. Holders can acquire PGOLD through a Chainlink-powered spot market (public launch in late Q4) or by trading directly on decentralized exchanges.

Each PGOLD token provides verifiable ownership of real gold while enabling holders to share in:

• Warehouse and redemption fees from physical operations
• Institutional turnover revenues from B2B circulation
• On-chain trading fees from liquidity pools

The instant settlement between PGOLD and PUSD lets users switch seamlessly between gold and dollar exposure—eliminating traditional delays and unlocking real-time capital efficiency across global markets.

Strategic Advantage: The Gold Corridor Connecting Asia and the Middle East

While most gold-backed tokens originate in Western markets, global demand for physical gold is increasingly shifting east. A major opportunity lies in creating a compliant and efficient gold-token bridge between Asia and the Middle East—the world’s two most active bullion centers.

Headquartered in Hong Kong and connected through established networks across Dubai and the broader APAC region, Pleasing Golden sits at the heart of this emerging Gold Corridor. PGOLD is designed to power this next era of digitized real-world gold through:

• Direct physical ownership: each PGOLD represents 1 oz of LBMA-certified gold securely stored in institutional vaults.
• Unlimited physical redemption: holders can redeem PGOLD for allocated bars of nearly any size in Hong Kong, with expansion planned across greater APAC and Dubai.
• Fractional access and 24/7 liquidity: trade gold globally from as little as 0.01 oz, powered by Chainlink data and infrastructure.
• Instant settlement: PGOLD can be converted into stablecoins in real time, providing seamless transitions between gold and stable exposure.
• Transparent reserves: real-time proof-of-reserve, independent verification, and institutional-grade custody.

By connecting regulated bullion markets with blockchain networks, PGOLD transforms gold—long seen as a static, siloed asset—into a globally programmable store of value for institutional finance and the next generation of digital-native users.

Pleasing USD (PUSD): A Synthetic Dollar Financing the Precious Metals Economy

PUSD is Pleasing Golden’s synthetic stablecoin connecting on-chain liquidity with the physical gold ecosystem. Backed by a hybrid reserve of USDT collateral and tokenized metal exposure, PUSD enables real-time financing and settlement throughout the network.

The model connects:

• Depositors — deposit USDT, receive PUSD, and stake it into sPUSD for yield.
• Investors — traders or asset managers seeking stable liquidity with gold-linked returns.
• Operators — metals participants using PUSD to unlock working capital and accelerate settlement.

The PGOLDPUSD loop allows 24/7 convertibility, enabling instant movement between stable and metal-backed value—reducing settlement times from days to seconds. PUSD is fully redeemable for USDT at any time, ensuring stability and flexibility while maintaining a direct bridge between blockchain liquidity and real-world assets.

Together, PGOLD and PUSD form a real-time financial rail where gold and dollar liquidity coexist—powering a new cross-regional economy spanning Asia and the Middle East.

From Web2 Leadership to Web3 Innovation

With Pleasing Golden, Pleasing International evolves from a traditional metals leader into a Web3 innovator shaping the future of real-world assets. By combining trusted infrastructure with decentralized technology, the company enables anyone to trade, invest, and earn from gold—anytime, anywhere.

The synergy between PGOLD and PUSD delivers what legacy systems never could: instant settlement, shared liquidity, and borderless participation in real value.

About Pleasing Golden

Pleasing Golden is an RWA platform that transforms precious metals into liquid, yield-generating tokens accessible to anyone, anywhere.

• Website: https://www.pleasinggold.com/
• Whitepaper: https://pleasing.gitbook.io/docs
• X (previously Twitter): https://x.com/PleasingGolden

The post 3 Altcoins That Let You Spend Stablecoins Anywhere Visa is Accepted appeared first on Coinpedia Fintech News

Most crypto cards sound great until the moment they don’t work at the checkout. That’s the problem this new wave of altcoins is finally solving. Digitap ($TAP), BNB, and CRO have each created systems that let users pay with stablecoins anywhere Visa is accepted. Their goal is simple: make digital money work as easily as cash.

These altcoins turn wallets into spending tools and give holders a reason to use their crypto, not just hold it. And leading this new wave is Digitap, which has already passed $1 million in its presale – a rare milestone for a project that’s still early but already has a live app.

Digitap Leads the $1M Presale with a Live Visa Card

Digitap is one of the newest names in crypto, but it already looks far ahead of most projects in the space. One of the world’s first omni-banks – a single app where people can hold, send, and spend both crypto and cash. The app is already live on the Apple App Store and Google Play Store, which makes it easy for anyone to download and start using today.

What makes Digitap stand out is that the Visa card connects directly to the user’s balance. There is no need to swap tokens first. Users can shop online or tap in-store just like they would with any regular debit card. The card also connects to Apple Pay and Google Pay, so payments are instant, contactless, and hassle-free. 

At the center of the Digitap app is its token, $TAP. It’s what keeps everything running. Holders can stake it to earn rewards, get lower fees, and unlock special perks like higher card limits or concierge services.

What really sets it apart is the way Digitap manages value. Half of all platform profits go toward buying back and burning $TAP, which permanently reduces supply. That means every bit of growth in the app helps make the token more scarce over time. It’s a simple idea — real use creates real demand — and it gives $TAP a reason to exist beyond trading.

The presale has already passed $1 million, which is a strong sign of early support from investors who see real progress. The token is priced at $0.0194 for now, with the next round set to rise to $0.0268. That climb feels well earned — most presale projects never make it this far. 

Digitap already has a live, working app in people’s hands, which gives the presale more weight than promises on a roadmap.

BNB Shows How a Top Altcoin Stays Useful

BNB sits comfortably among the top five cryptocurrencies in the world. It trades at around $1,167 and has a market cap of more than $150 billion — proof of how deeply it’s rooted in the market. Even after years of ups and downs, BNB stays at the center of the crypto economy.

The token fuels everything inside the Binance ecosystem — trading, staking, DeFi, and payments. One of its most practical features is the Binance Visa Card, which lets users spend their crypto almost anywhere. 

At checkout, the card automatically turns crypto into local currency, so payments feel instant and simple. On top of that, users earn cashback in BNB, giving real value back every time they spend.

BNB’s strength comes from its scale. Binance has tens of millions of users and some of the highest daily trading volumes in the world. The token’s steady value and strong use inside the exchange help it stay resilient even during market slowdowns.

Source: CoinMarketCap/BNB

CRO Builds Steady Value in a Volatile Market

CRO, the native token of Crypto.com, currently trades around $0.15. The token has held steady through recent market swings, supported by the brand’s large user base and active card program.

The Crypto.com Visa Card remains one of the best-known crypto cards in the world. It lets users pay with crypto or stablecoins anywhere Visa is accepted. The app automatically converts digital assets into fiat at the point of sale. Cashback rewards are paid in CRO, and users who stake more CRO receive higher cashback and extra benefits such as airport lounge access.

Crypto.com has built one of the most complete ecosystems in the industry, combining an exchange, NFT marketplace, and DeFi tools. The CRO token sits at the center of it all. It connects users to products and rewards. Its stability and strong branding have helped it keep a loyal following even through volatile market periods.

Source: CoinMarketCap/CRO

What Is the Best Altcoin for 2025?

All three tokens — $TAP, BNB, and CRO — connect crypto to real-world spending. Each has a Visa-backed card that lets users pay at millions of locations. Yet one project clearly leads in innovation and accessibility.

Digitap already runs a live app, not just a website promise. Its card works now, and users can join without complex KYC steps if they choose the privacy tier. The project also burns half of its profits, which supports long-term value for holders.

BNB and CRO are strong, established players, but they serve users mainly inside their own exchange ecosystems. Digitap stands apart as a full financial app built for both fiat and crypto. For anyone looking for the next altcoin that brings stablecoins into everyday life, Digitap looks ready to take that role.

Discover the future of crypto cards with Digitap by checking out their live Visa card project here:

Presale https://presale.digitap.app  

Website: https://digitap.app 

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

The post Noomez ($NNZ) Review – Is It the Next Meme Coin to Explode? appeared first on Coinpedia Fintech News

Noomez ($NNZ) review discussions are starting to dominate crypto forums as traders look for structured alternatives to hype-driven meme coins. 

In a market where transparency and real mechanics matter more than marketing, Noomez features a deflationary model, measurable presale stages, and on-chain accountability. 

Built on a transparent smart-contract framework, the project introduces a 28-stage presale with automatic burns, live tracking, and a fixed supply designed for scarcity.

Rather than chasing speculation, Noomez focuses on verifiable growth, a possible reason many consider it one of the most structured meme coin launches of 2025.

What Is Noomez ($NNZ)?

Noomez ($NNZ) is a deflationary meme coin built on the Binance Smart Chain, designed to combine entertainment value with measurable token mechanics.

It operates through a 28-stage presale model that allocates 50% of its 280 billion total supply to structured sales rounds.

During these stages, prices begin at $0.00001 in Stage 1 and gradually rise to $0.0028 by Stage 28. They create a clear, verifiable curve that might reward early participation.

Each stage ends with automatic burns of any unsold tokens, permanently reducing circulation before public trading. 

Also, progress is displayed through the Noom Gauge, an on-chain tracker that verifies presale milestones in real time.

With KYC-verified founders, 15% locked liquidity, and 6-12-month team vesting, Noomez offers greater transparency than some other meme coins. 

The features position it as a structured alternative in a category often ruled by speculation.

Pro Tip: Before joining any presale, verify on-chain proofs for token burns, liquidity locks, and team vesting. Noomez publishes all of these openly, giving buyers real data instead of promises.

Noomez Core Mechanics and Tokenomics

The Noomez ($NNZ) tokenomics are built around fixed supply, stage-based scarcity, and verifiable deflation. 

The total supply is 280 billion $NNZ, with 140 billion (50%) reserved for the 28-stage presale.

Each stage lasts up to seven days, starting at $0.00001 and increasing to $0.0028 by the final stage.

To further reward participants, two major Vault Events mark the presale’s progression:

• Stage 14 Vault: A 14 million $NNZ airdrop plus a strategic burn.
• Stage 28 Vault: A 28 million $NNZ airdrop and NFT minting access before launch.

Unsold tokens at each stage are automatically burned, while supply metrics and stage completions are displayed live through the Noom Gauge. 

Beyond the presale, 15 % of tokens remain locked for liquidity, and the core team follows a 612-month vesting schedule. 

Why Noomez Stands Out in the Meme Coin Market

The meme coin market has been dominated by viral launches and short-term hype, but Noomez ($NNZ) approaches growth through structure. 

Each presale milestone is tracked by the Noom Gauge, allowing investors the ability to monitor token burns, vault airdrops, and total circulation.

Unlike meme coins that rely heavily on post-launch marketing, Noomez integrates accountability from day one through automatic burns, audited contracts, and a deflationary vault system.

Such a design allows value to form from supply logic and participation, not speculation.

Post-Presale Outlook for Noomez (Function, Not Forecast)

After the presale concludes, Noomez ($NNZ) transitions into the Noom Engine, a post-launch framework designed to sustain utility and engagement. 

Holders can stake tokens to earn up to 66% APY, with rewards scaling based on early participation. Partner projects will also deposit portions of their supply into the Engine, which are then automatically distributed to NNZ holders as ongoing rewards.

Meanwhile, deflation continues through scheduled burns tied to Vault milestones and the 5% Burn Vault outlined in the whitepaper. 

Together, these mechanisms maintain scarcity while supporting active rewards and NFT integrations. 

Instead of relying on market hype, Noomez’s function is based on transparent token flows, automated participation, and measurable outcomes.

For More Information:

Website: Visit the Official Noomez Website 

Telegram: Join the Noomez Telegram Channel

Twitter: Follow Noomez ON X (Formerly Twitter)

The post XRP Rallying to $3, but Ozak AI Could 100x from Its $0.012 Presale appeared first on Coinpedia Fintech News

XRP is showing strong bullish momentum as it pushes toward a key breakout zone, supported by a solid technical structure and growing market confidence. A decisive move beyond critical resistance levels could pave the way for further gains, reinforcing its position as one of the more stable large-cap plays in this rally. 

However, while XRP’s upside remains promising, its potential returns may be more moderate compared to early-stage opportunities like Ozak AI, which is still in presale and positioned at a much earlier growth stage. Ozak AI’s AI-driven ecosystem and strategic partnerships give it an asymmetrical edge, attracting investors looking for higher-risk, higher-reward plays.

Backed by partnerships with Perceptron Network and SINT, Ozak AI blends AI-driven predictive infrastructure with blockchain utility, positioning itself for exponential growth. While XRP might deliver solid gains, Ozak AI’s early entry point gives it a realistic pathway to 100x returns if adoption and listings align with market momentum, making it one of the standout opportunities of this cycle.

XRP’s Rally Toward $3 

XRP is trading at $2.Fifty four, building momentum after weeks of sustained shopping for pressure and renewed investor confidence. The token has been moving regularly inside a robust uptrend, with key resistance stages forming around $2.72, $three.10, and $three.50. On the disadvantage, solid support zones are keeping at $2.30, $2.05, and $1.82, helping to hold a bullish structure no matter periodic profit-taking. 

A clear breakout above $2.72 could set the stage for a rapid push to $3.50—a level not seen since the peak of previous bull cycles. XRP’s rally is being fueled by renewed optimism surrounding its institutional use cases and the growing likelihood of expanded adoption in global payment systems, making it one of the top-performing large-cap assets in this cycle.

Ozak AI’s Early Positioning Offers 100x Potential

While XRP is drawing headlines for its price action, Ozak AI is positioning itself as one of the most explosive early-stage opportunities in the market. Priced at just $0.012 in its sixth OZ presale stage, Ozak AI has already raised over $4.1 million and sold 975 million tokens, reflecting growing confidence from retail and early-stage investors. 

Unlike many speculative tokens, Ozak AI has a clear utility layer—it integrates AI-powered predictive intelligence, autonomous agent systems, and real-time data sharing through its partnership with Perceptron Network. This partnership connects the project to over 700,000 active nodes, unlocking large-scale intelligence aggregation that can power on-chain predictive markets.

Partnerships That Strengthen Ozak AI’s Core Narrative

Another major catalyst behind Ozak AI’s rising attention is its strategic alliance with SINT, which brings voice-driven interfaces, cross-chain bridges, SDK toolkits, and over 60K active users into the ecosystem. 

This integration aligns perfectly with the continuing narrative of AI-meets-blockchain, a zone projected to dominate innovation cycles in the coming years. Where XRP represents balance and mainstream adoption, Ozak AI represents velocity, agility, and early positioning—presenting retail investors a ground-floor entry into a story that is just starting to boost up.

Youtube embed:

Next 500X AI Altcoin.

Why Ozak AI’s $1 Target Looks Attainable

For XRP, transferring from $2.54 to $5 could mean a kind of 2x return, which is appealing but restrained compared to early-stage initiatives. By contrast, Ozak AI attaining $1 from its $0.012 presale price might represent greater than an 80x to 100x growth—an outcome that turns into increasingly more realistic if the assignment executes its vision, secures important listings, and faucets into the growing AI-blockchain momentum. Investors who struck similar early-level opportunities in previous cycles—whether or not it become meme coins or application tokens—noticed lifestyles-changing returns during breakout runs.

Ozak AI has a compelling mix of low entry price, strong partnerships, and technological utility that positions it well for such a move. XRP may lead this market phase with strength and adoption, but Ozak AI offers the kind of asymmetric upside that traders and early investors often seek when rotating capital from established assets into emerging narratives. As the market matures and liquidity flows deepen, XRP could anchor portfolios while Ozak AI acts as the explosive growth play—making it a powerful combination for those aiming to capitalize on the 2025 bull cycle.

About Ozak AI 

Ozak AI is a blockchain-based crypto project that provides a technology platform that specializes in predictive AI and advanced data analytics for financial markets. Through machine learning algorithms and decentralized network technologies, Ozak AI enables real-time, accurate, and actionable insights to help crypto enthusiasts and businesses make the correct decisions.

For more, visit:

Website: https://ozak.ai/

Telegram: https://t.me/OzakAGI

Twitter: https://x.com/ozakagi

The post Cardano (ADA) is Still Set for $2 Despite Recent Crashes, while Ripple (XRP) Eyes $4.50, and Little Pepe Crypto Price Targets $1 appeared first on Coinpedia Fintech News

Despite the volatility in crypto markets this quarter, traders remain interested in several household names. Cardano (ADA) has managed to shrug off the impending price volatility, while Ripple (XRP) appears to be completing a technical setup for another leg upward. Little Pepe (LILPEPE), on the other hand, is emerging as one of the fastest-growing new meme coins that actually has an underlying infrastructure.

Cardano (ADA): Steady Progress Amid Volatility

Cardano’s price action has been firm even in the face of broader market weakness. Trading between $0.64 and $0.67, ADA has managed to hold key levels that other assets have slipped from. The network’s steady pace of upgrades and vigorous developer activity is helping maintain long-term confidence among holders.  Recent data also shows an uptick in whale accumulation and exchange outflows, both signals that large investors are taking positions for the next leg higher. Most analysts remain relatively optimistic, though they’re tempering their expectations. The more cautious believe ADA could reach $1 by early 2026, while the more bullish think it could easily climb to $2 or even $3 if network usage picks up. 

Ripple (XRP): Technical Setup Points to a Final Push

Ripple’s native token has also been under close watch from technical analysts. Using Elliott Wave theory, a model that tracks investor behavior through recurring price patterns, several traders believe XRP is approaching the end of its fourth wave, the final consolidation before a breakout.

Analyst STEPH recently noted how XRP’s current chart mirrors its 2020 cycle almost perfectly. XRP has been moving sideways for a while, but the last time that happened, it suddenly broke out and surpassed its previous highs. If history repeats, XRP’s next rally could push it up to $4.50, maybe even $5.50.

Little Pepe (LILPEPE): Meme Energy Meets Real Infrastructure

Honestly, there’s a lot of excitement around Little Pepe (LILPEPE) right now. It’s not just another meme coin; it has a genuine community feel, is entertaining, and actually functions well. Since it operates on an Ethereum-compatible Layer 2, transactions are fast, and there’s no tax on trades. So, it has more substance than just hype. The project’s presale has already raised over $27.2 million, selling nearly 16.6 billion tokens and drawing interest from both retail and whale investors. LILPEPE’s growth story has been supported by transparency and engagement.

They also ran a $777,000 giveaway with tens of thousands of entries and have earned a reputation for being an inclusive and fair project. Market analysts believe that once listings on major exchanges go live, the token could see its first primary price discovery phase. Some forecasts place LILPEPE’s short-term targets near $0.10, while longer-term expectations stretch toward $1 by the next market top in 2026. 

Why LILPEPE Outshines Ripple (XRP) and Solana (SOL)

When it comes to raw return potential, the gap between established cryptos and early-stage projects like Little Pepe is massive. Ripple (XRP) would rise 107%, solidly outperforming its large-cap peers, yet again falling short of the performance seen for newer projects. If Solana (SOL) revisits $250 once again during this cycle, that would represent about a 16% upside, with price action more characterized by consolidation rather than exponential growth. It remains the safest high-throughput blockchain. Finally, Little Pepe (LILPEPE) is another strong candidate for outsized returns.

Currently priced at $0.0022 in Stage 13 of the Presale, it is expected to reach $0.10-$0.20 in the medium term and potentially as high as $1 at the peak of the cycle. That would equal a rate of return anywhere between 4,000% and more than 45,000%, exceeding the projected returns of XRP and Solana combined.

Conclusion

Despite recent market pullbacks, optimism is returning as investors anticipate the next crypto cycle. Cardano’s measured progress, Ripple’s technical setup, and Little Pepe’s viral traction each represent different facets of this emerging confidence. However, Little Pepe has by far the most significant potential for return. While XRP and Solana offer more modest upside, Little Pepe is positioned as the high-risk, high-reward play with potential returns magnitudes higher.

For more information about Little Pepe (LILPEPE) visit the links below:

• Website: https://littlepepe.com
• Whitepaper: https://littlepepe.com/whitepaper.pdf
• Telegram: https://t.me/littlepepetoken
• Twitter/X: https://x.com/littlepepetoken
• $777k Giveaway: https://littlepepe.com/777k-giveaway/

The post Malgo Launches Fully Anonymous Monero P2P Platform appeared first on Coinpedia Fintech News

Malgo DEX, a decentralized peer-to-peer (P2P) crypto exchange platform, has announced the rollout of a major feature upgrade aimed at empowering users with greater control, privacy, and real-time trading flexibility.

This latest update introduces several key features that align with Malgo’s mission to provide a fast, secure, and anonymous crypto trading experience, all without requiring KYC or AML procedures.

Key Features Now Live:

• No-KYC P2P Trading:

Users can now trade directly with one another without providing personal identification. This opens the platform to privacy-conscious users who prefer decentralized, non-custodial crypto exchange options.

• Expanded Trading Pairs:

Malgo DEX now supports a growing list of trading pairs including BTC, ETH, USDT, XMR, and more. This broadens accessibility and trading opportunities across popular and privacy-focused assets.

• Slippage Settings:

Traders can set custom slippage tolerance to avoid unexpected price fluctuations. This feature is especially useful for large-volume swaps or volatile market conditions.

• Built-in Escrow System:

All P2P trades are protected by a secure, automated escrow mechanism that ensures both parties uphold their side of the transaction before funds are released.

• Telegram Bot Notifications:
• Malgo users can now link their accounts to receive real-time trade alerts and updates via Telegram -streamlining trade management and improving user engagement.

“We designed this upgrade with privacy and usability in mind,” said a spokesperson for Malgo DEX. “Our users want fast and secure trades without sacrificing anonymity or control, and this release delivers on that promise.”

The new features are live and available to all users starting today. The platform is accessible via [https://malgoswap.io/p2p] and does not require any registration or personal data to begin trading.

About Malgo DEX

Malgo is a decentralized, privacy-respecting crypto exchange platform focused on peer-to-peer trading. It allows users to buy, sell, and swap crypto assets without intermediaries or invasive KYC requirements. Malgo prioritizes transparency, user autonomy, and cross-chain flexibility.

For more information, visit https://malgoswap.io or follow us on Telegram and Twitter.

The post This New Crypto Priced Under $0.04 Might Change Your Crypto Portfolio Forever appeared first on Coinpedia Fintech News

Every market cycle brings a handful of early-stage projects that redefine what’s possible in DeFi — and investors are always on the lookout for the best crypto to buy now before the next major breakout. With Bitcoin and Ethereum already commanding massive market caps, the biggest opportunities often come from new cryptocurrencies priced under $1 that still have room for exponential growth.

One token currently fitting that profile is Mutuum Finance (MUTM) — a DeFi protocol combining real utility, security, and transparency with a fast-moving presale that’s turning heads across the crypto industry. Still priced under $0.04, analysts say MUTM could be the next big cryptocurrency that reshapes portfolios heading into 2026.

Strong Demand and Transparent Structure

Mutuum Finance’s presale has rapidly evolved into one of the most talked-about events in the DeFi space this year. The project has already raised over $17.8 million from more than 17,400 investors, with over 770 million tokens sold to date. The current MUTM price is $0.035 in Phase 6, which is 72% complete. Once this stage closes, the price will rise to $0.04, ahead of the official listing price of $0.06.

What makes Mutuum Finance’s presale stand out is its fixed-price, fixed-allocation structure. Each stage has a predetermined token count and price, offering investors a clear and transparent view of progress. This tiered system rewards early buyers with visible price appreciation as demand grows — for example, participants from Phase 1 at $0.01 have already seen a 250% increase, with potential token appreciation of up to 500% at listing.

To keep engagement high, Mutuum Finance has also introduced a 24-hour leaderboard that resets at 00:00 UTC, granting the top daily contributor $500 worth of MUTM tokens. This feature not only promotes active participation but also reinforces transparency.

What Mutuum Finance (MUTM) Is Building

Mutuum Finance (MUTM) is an Ethereum-based decentralized lending and borrowing protocol built to bring structure, transparency, and scalability to DeFi markets. The system operates through dual lending markets, one providing pooled liquidity for major assets like ETH and USDT, and another supporting isolated, customizable lending arrangements for more tailored financial use cases.

Users who deposit assets into these markets receive mtTokens, ERC-20 yield-bearing tokens that automatically accumulate interest as borrowers repay their loans. Borrowing rates are utilization-based, adjusting dynamically to market conditions: when liquidity is plentiful, rates remain lower to encourage borrowing; when liquidity tightens, rates rise to attract new deposits and maintain pool stability.

On the security side, Mutuum Finance’s smart contracts have undergone an audit by CertiK, earning a strong 90/100 Token Scan score. This result places it among the most secure DeFi projects currently in presale.

V1 Launch and Layer-2 Expansion Plans

The Mutuum Finance V1 testnet is scheduled for Q4 2025 on Sepolia, marking a major step toward full product rollout. The launch will feature critical components such as the Liquidity Pool, mtToken system, Debt Token, and Liquidator Bot, all of which will work together to facilitate on-chain lending, borrowing, and liquidation management. Initial supported assets include ETH and USDT, with more tokens expected to follow as the ecosystem expands.

Looking ahead, Mutuum Finance plans to expand beyond Ethereum mainnet with a Layer-2 scaling solution designed to reduce transaction fees and enhance processing speed for high-volume users. This move will make lending, borrowing, and liquidation operations significantly more cost-efficient — a crucial advantage for a DeFi protocol aiming to attract both retail and institutional participants. By improving throughput and lowering gas costs, the Layer-2 upgrade positions Mutuum Finance as a more scalable and accessible DeFi crypto as network activity grows heading into 2026.

Whale Allocations and Investor Sentiment

Momentum around Mutuum Finance continues to build as Phase 6 nears completion, with just under 30% of the current allocation remaining. Large contributors, typically early-stage investors with six-figure entries, have started making visible allocations, a sign that experienced market participants recognize the long-term potential of the project.

Analysts often point out that early-stage DeFi tokens tend to generate the biggest gains in the first year post-launch. Similar patterns were seen with early versions of Aave and Compound, both of which grew exponentially after their mainnet deployments. With MUTM priced at just $0.035 and its roadmap focused on lending use cases, many investors see this as the last opportunity to enter before the next price jump to $0.04.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post XRP Jumps 6% to $2.63, But Digitap’s ($TAP) $1 Million Milestone Signals a Much Bigger Breakout Ahead appeared first on Coinpedia Fintech News

Animal spirits are back. XRP just ripped 6% in a day, reclaimed $2.50, and investors are leaning forward in the chair—it is time to pay attention again. But even more exciting is presale velocity, and there are plenty of hidden gems, criminally undervalued currently, that could one day join the current cohort of blue-chip projects.

Digitap’s ($TAP) presale just crossed $1 million, and whale participation has driven most of this. Early-stage buyers are treating $TAP like the next stage of the cross-border payments trade. Some are even calling Digitap “XRP 2.0,” and the setup looks perfect.

XRP proved that money wants faster rails. Stablecoins proved that money wants to live on-chain in dollar form. Digitap is the first to package both worlds into a single experience—here is everything investors need to know.

Animal Spirits Are Back: XRP Wakes Up

Sentiment changes fast, and nobody was expecting such a quick reversal after the October flash crash, which flushed practically all the built-up leverage out of the system. XRP is up more than 10% over the last week and is currently fighting the 200-day moving average.

Bulls need to reclaim this level ($2.61) because if they do, and it turns into support, it would mark the start of a long-term bullish impulse. XRP jumping 6% on the day and clearing $2.50 is a signal that investors should be paying attention to it.

This type of move signals the market wants to own risk and that interest in the cross-border trade remains red hot. The demand for faster settlement and cheaper remittance is not going away. And if majors are putting in 6% daily candles, small caps could be preparing to put in some monstrous moves. 

Digitap Smashes Presale Records As Cross-Border Payments Enter Stablecoin Phase

The biggest macro trade in crypto right now is payments. Stablecoins are in a secular bull run. And policy is incredibly pro-stablecoin because stablecoins extend dollar reach. The Federal Reserve is talking about lighter account access for fintechs and stablecoin issuers. 

All of those signals point in the same direction: dollar liquidity is being pushed onto programmable rails and treated as normal money.

That is exactly where Digitap enters. Growth in 2025 will be driven by giving normal people and globally connected businesses a way to treat stablecoins, cash, and crypto as one balance and move it instantly. $TAP’s presale has skyrocketed past $1 million since launch, and it is riding the stablecoin gold rush in style. 

Digitap: The Omni-Bank The Markets Call “XRP 2.0”

Digitap brands itself as the world’s first omni-bank. In simple terms, it means one environment where all forms of money live together and behave the same way. Fiat, stablecoins, and crypto are all held in a single account with a clean, banking-grade interface. And users can download the app today on iOS and Android.

But the crucial part is under the surface. Digitap can move value over traditional banking rails or via blockchains, depending on which path is cheaper and faster at that exact moment. Its multi-rail architecture includes the old system and the new, and that’s how it is breaking down the siloes between systems. 

Everything routes through Digitap’s decision engine. When users send a cross-border payment, the system decides which rails to use: SEPA, SWIFT, Faster Payments, ACH, or blockchain. And when users pay with an on-chain balance using their Visa card, it looks for the best possible swap price. This is what money looks like in the twenty-first century.

Digitap is a live product. And that is why large buyers have begun treating it as the “XRP 2.0 trade.” While XRP chased bank adoption, Digitap is going after consumers first and has made the money layer feel like online banking from day one.

The Numbers Never Lie: $1 Million Raised in Record Time

Momentum is king in crypto, and presale clearing $1 million raised in record time is the signal. Investors are choosing high-conviction infrastructure plays tied to stablecoins and payment rails.

$TAP is available for $0.0194 right now. But soon there is a programmed step to $0.0268 in the next round—more than a 38% move higher for investors who act quickly.

But the driving force behind these inflows is $TAP’s tokenomics model. It has a fixed supply of 2 billion with a powerful flywheel. Digitap commits 50% of platform profits to buy $TAP on the open market. Half is burned and removed from circulation permanently, and the other half is distributed to stakers.

Use of the platform becomes programmatic buy pressure. And that’s why whales love this model. Holding $TAP is a direct bet on platform growth, and this is the same approach all of this cycle’s most successful altcoins have implemented—real revenue used for buybacks.

Why Digitap Looks Like the Best Crypto to Buy Now

Each cycle has a theme that creates massive winners. Last time it was DeFi, which sent layer 1s to crazy valuations. This cycle, it is stablecoins and projects that merge old money and new money.

Traditional finance wants on-chain dollars, and on-chain finance wants access to the real economy. Digitap is perfectly positioned as a product that becomes an index bet on the entire payments wave.

$TAP is arriving in the middle of a stablecoin boom, under an openly pro-innovation policy regime and with Visa rails live. That is why Digitap is earning the “XRP 2.0” nickname and sits firmly on any good shortlist of the best cryptos to buy now.

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 

The post Enough About Ethereum (ETH) and Bitcoin (BTC), These 4 Tokens Cheaper Than a Cup of Coffee Are Stronger Buys in Q4 appeared first on Coinpedia Fintech News

Investors are beginning to ask a crucial question: where’s the next wave of big returns going to come from? While BTC and ETH continue to dominate headlines, their massive market caps mean smaller, cheaper tokens often deliver higher percentage gains in early bull phases. As we enter Q4 2025, four coins, Little Pepe (LILPEPE), Ethena (ENA), Pudgy Penguins (PENGU), and Dogecoin (DOGE), are emerging as high-upside opportunities priced lower than a cup of coffee.

Little Pepe (LILPEPE): The Meme Coin Reinventing the Game

Among low-priced tokens, Little Pepe (LILPEPE) is quickly becoming the most talked-about project of 2025. Now in Stage 13 of its presale at $0.0022 per token. The project’s final presale price is set at $0.003, meaning early buyers could already be sitting on strong paper gains before its official launch.

But what truly sets LILPEPE apart is its blockchain innovation, it’s launching as the world’s first meme-focused Layer 2 EVM chain, combining lightning-fast speed, ultra-low fees, and sniper-bot-resistant technology to ensure fair trading for all users. Its ecosystem includes a Meme Launchpad, NFT marketplace, and staking rewards, positioning it far beyond a simple meme coin. Little Pepe’s presale success is further fueled by major incentives, including a $777,000 giveaway and a 15 ETH Mega Giveaway, which has drawn thousands of participants. With CertiK’s audit score of 95.49% and upcoming listings on two top centralized exchanges, analysts believe LILPEPE could become one of the top meme coins of the bull cycle, rivaling Dogecoin and Shiba Inu in cultural impact and performance.

Ethena (ENA): Stablecoin Innovation for the Next Cycle

Smart investors are discreetly buying Ethena (ENA), an infrastructure play, while meme currencies make headlines.  Ethereum-based Ethena drives the synthetic dollar (USDe) and yield-bearing sUSDe, which use futures hedging rather than collateral-only reserves to maintain their pegs. This strategy attracts top backers.  Ethena raised $530 million in PIPE investment, raising its total to roughly $900 million.  Brevan Howard, Susquehanna Crypto, and YZi Labs support its model in the long term. ENA is 49% below its all-time high, but analysts expect stablecoin usage to boost it.  Ethena might quietly power DeFi’s next growth phase as Bitcoin and Ethereum reach new highs.

Pudgy Penguins (PENGU): From NFTs to Meme Market Powerhouse

Pudgy Penguins (PENGU) has grown from a lovely NFT project to a meme coin.  At $0.02017, PENGU has a market valuation exceeding $1.7 billion and a daily trading volume of approximately $320 million. After key partnerships and cross-platform integrations, its price rose 18%.  A retest of $0.033 could drive another breakout before year-end, say analysts.  PENGU is becoming one of Q4’s best low-cost buys with record community participation and meme momentum. Pudgy Penguins has abundant cultural power and growth potential in a meme-driven market.

Dogecoin (DOGE): The Original Meme Titan Still Running Strong

Although Dogecoin is no longer under a penny, its $0.19 pricing makes it a “cheap” entry relative to BTC or ETH.  DOGE, up 131% year-over-year, has broken key resistance zones and is bullish with daily volumes over $2.5 billion. Dogecoin rallies have typically been driven by retail traders, and Elon Musk’s support on X (formerly Twitter) and ambitions to integrate it into payment systems make it one of the most well-known and resilient meme assets. Dogecoin should be in every meme portfolio heading into the next bull run due to its liquidity, brand strength, and long-term staying power.

Small Coins, Big Potential

Little Pepe, Ethena, Pudgy Penguins, and Dogecoin all trade below $1, yet each offers a unique narrative, growing community, and explosive potential as Q4 unfolds. Of the four, Little Pepe (LILPEPE) stands out as the clear frontrunner, merging meme energy with real blockchain infrastructure and record-breaking presale momentum. With analysts projecting a 100x upside once it lists, it’s the token that could redefine meme investing this cycle.

For more information about Little Pepe (LILPEPE) visit the links below:

• Website: https://littlepepe.com
• Whitepaper: https://littlepepe.com/whitepaper.pdf
• Telegram: https://t.me/littlepepetoken
• Twitter/X: https://x.com/littlepepetoken
• $777k Giveaway: https://littlepepe.com/777k-giveaway/

The post Crypto News Today: XRP, Cardano, BNB Rebound, While Pepeto Announces $700,000 Giveaway appeared first on Coinpedia Fintech News

The market is recovering after one of 2025’s sharpest dips, and the fear from last week now looks like a normal correction, just as expected. XRP, Cardano (ADA), and Binance Coin (BNB) are recovering after fast drops. XRP is near $2.45 and up about 7% this week, ADA is around $0.65 with a 4.7% weekly rise, and BNB trades near $1,124 after a 4.8% gain over 7 days.

Readers who followed our earlier buy-the-dip call are already in profit. From here, the smart play is to add on strength and stake in presales like Pepeto (PEPETO) to earn while you wait for the next leg higher.

Pepeto (PEPETO) is the meme coin many are watching now. It is a presale that blends meme culture with audited rails. The project offers a $700,000 giveaway, a 220% APY staking program, and a fast growing community preparing for the next major crypto Bull run.

XRP Rebuilds After Shakeout: Where Smart Buyers Invest Now?

XRP is around $2.41, down a little over 16% this month after a steady Q3 run led to profit taking. Some holders are uneasy, but many analysts see a normal reset that clears excess leverage and can set up longer term gains.

Big wallets still look steady, with on chain data showing net accumulation instead of broad selling. For experienced investors, the plan is simple, buy the dip to rebuild size and put part of the stack into staking projects that keep paying while the market bases.

How ADA Holders Earn While They Wait?

ADA trades near $0.65 and is up about 4.7% this week after a 22% drop earlier in the month. The long term view is intact. Network growth and builder activity still push Cardano, and in past cycles the bigger ADA moves often began after resets like this. That setup seems to be forming now as price lifts this week.

Many long term ADA holders stake to earn while price picks up. That approach shows in newer plays like Pepeto, where rates run higher. In a volatile market, this turns wait time into yield and grows balances instead of sitting idle. It is a steady way to keep gains coming while majors take their time, and for more upside, some pair ADA with high potential presales such as Pepeto that can deliver larger multiples when listings and liquidity arrive.

For BNB Traders: The Market Reset Is An Opportunity

BNB is around $1,124, up about 4.8% this week after touching a new high above $1,300. Binance activity stays firm, and this bounce matches the broader altcoin reset that is starting to turn higher.

Seasoned traders used the drop to rotate, not step away. As liquidity moves, some are adding early stage plays like Pepeto, where high staking yields and a low entry cost can set up bigger upside into Q4 and beyond.

Pepeto Uses Volatility To Grow With 220% Staking

Built on Ethereum, Pepeto (PEPETO) has raised over $7M in its presale, with tokens at $0.000000161. It mixes memecoin appeal with practical tools that fix common trader pain points, such as a zero fee demo exchange (PepetoSwap), a cross chain bridge, and 220% APY staking, so holders can stay long through volatility.

The project has passed audits by SolidProof and Coinsult, adding trust and transparency that matters to smart investors. Pepeto’s total supply is 420 trillion tokens, which echoes PEPE’s structure, while its utilities add real use that many early stage projects lack.

Pepeto’s Pre Listing Gift, $700,000 Giveaway, What Is The Smartest Move Now

To thank early backers and celebrate the $7M milestone, the team is running a $700,000 giveaway linked to the presale.

To enter, contribute at least $100 on Pepeto.io, then complete the required tasks on the official portal, follow and repost on X, tag friends, join the Telegram, and submit a valid wallet and contact info.

Prizes go to 7 winners, $300,000 in PEPETO for first, $200,000 for second, $100,000 for third, and four community rewards of $25,000 each, a setup that keeps the community active while staking can keep balances growing during the reset.

Join PEPETO $700,000 Giveaway Now

Tier 1 listings tend to unlock deeper liquidity, broader reach, and the first real price lift as new buyers arrive, and with the team signaling a Tier 1 listing on its socials, this pre listing window is when early spots are usually set, and won’t stay open for long; staking at 220% APY adds tokens each day while price bases, so entering now can place you ahead of fresh exchange demand.

History shows early buyers in Dogecoin, Shiba Inu, and Pepe moved before listings and caught the life-changing returns that followed, which is why the smart play here is to start a position and stake today.

How To Buy And Stake Pepeto

Visit the official presale website: https://pepeto.io 

Connect your MetaMask or Trust Wallet

Purchase using USDT, ETH, BNB, or credit card

Join the Giveaway and Stake tokens instantly for 220% APY rewards

Hold for long term growth as exchange listings approach

Your Next Move

Smart investors know corrections often create the next big winners. As XRP, Cardano, and BNB hold near key levels, the edge goes to those who turn swings into value, and staking with Pepeto is a clear way to do that. With verified audits, growing tools, a $700,000 giveaway, and high staking yields, Pepeto shows real builders do not fear red days, they earn through them.

For More About Pepeto   

• Website: https://pepeto.io 
• Telegram: https://t.me/pepeto_channel 
• X: https://x.com/Pepetocoin 

The post XRP News: Why You Might Not Be Able to Sell XRP Easily During the Next Big Move appeared first on Coinpedia Fintech News

XRP news is buzzing as the price reclaimed $2.50 and open interest jumped. That is exciting, but it comes with a real warning. In a fast rally, selling at the desired price can be challenging. Order books thin out, big buyers move off the exchange, and market orders slip. As this wave builds, some investors are also watching Remittix as a steady, real-world payments play they can research while they set their plans.

XRP News: Liquidity warnings as price heats up

Source: Ether Nasyonal

In recent XRP news, Jake Claver said many exchanges may not have the liquidity to fill large market sales during a spike. Institutions often trade off-exchange through OTC desks, ETFs, or DATs, so less supply sits on public books when retail tries to exit. Diana shared the same caution. When everyone clicks ‘sell’ at once, the exit is narrow and slippage gets painful. You can aim for ten dollars and fill much lower.

So what does ‘ready’ look like in plain terms? Know your target numbers before things heat up. Use limit orders for at least part of your exits so you are not chasing fills during a spike. Keep your XRP in proper custody so you are not stuck waiting on exchange risk checks when speed matters. These steps are not flashy, but they are the difference between a plan and a panic. If price pushes through resistance and XRP news turns even more positive, you will be glad you set this up early.

XRP News: Levels to watch after reclaiming $2.50

Source: TradingView

There is strength in the tape, which is why XRP news is loud right now. Open interest jumped to about 1.6 billion XRP in a day, roughly 4.07 billion dollars in notional value. Price trades near $2.54 after reclaiming $2.50. The first band that matters is $2.56 to $2.70. A daily close above that zone, with solid volume, can open a push to $3.00. 

If buyers fail, the map points back to $2.30, with a deeper retest near $2.00 if sellers press. Keep your focus on closes, volume, and how spot leads the move. That is the heart of the warning in current XRP news from Claver and Diana, and is the filter pros use to judge fresh XRP news headlines.

Remittix: a simple payment built with real traction

While XRP news drives headlines, some long-only desks are lining up projects that already solve a clear problem. Remittix is in that lane. The wallet beta is live. People can send crypto and have it arrive as local cash in bank accounts across more than 30 countries. Transfers use real-time FX and clear, low fees, which help freelancers, global earners, and small businesses get paid on time. 

The funding base is solid, too. Remittix has raised over $27.7 million through the sale of more than 681 million tokens at $0.1166 each. The focus has been steady delivery, security reviews, and wider access, not hype. If majors keep firm and breadth improves, practical services like this tend to turn interest into users.

Closing Thoughts

Here is the bottom line. XRP news is strong, price action is improving, and open interest is rising. That can be a great setup, but exits get hard when the crowd arrives. Plan now. Set targets, move to proper custody, and use limits. Watch $2.56 to $2.70 for confirmation and $3.00 as the next test, with $2.30 and $2.00 below as risk markers. As the story builds, keep an eye on builders like Remittix while you prepare. A calm plan and a short list of real projects will serve you better than hurrying when the next big move hits.

Discover the future of PayFi with Remittix by checking out their project here:

Website: https://remittix.io/

Socials: https://linktr.ee/remittix

$250K Giveaway: https://gleam.io/competitions/nz84L-250000-remittix-giveaway

The post XRP Bulls Target $5, While Ozak AI Price Prediction Aims for Triple-Digit ROI appeared first on Coinpedia Fintech News

XRP is gaining strong bullish momentum, with traders eyeing a breakout toward $5 as key support around $2.10 and resistance at $2.80, $3.50, and $5.00 guide the next major move. While XRP’s structure and liquidity make it a solid large-cap play, its upside is naturally capped compared to early-stage projects like Ozak AI, which is rapidly becoming a top pick for triple-digit ROI potential. 

Currently in its 6th presale stage at $0.012, with over $4.1M raised and more than 975M tokens sold, Ozak AI blends an AI + blockchain narrative with real infrastructure—integrating 700,000+ AI nodes through partnerships with Perceptron Network and SINT, plus completed security audits from CertiK and Sherlock. With whales quietly accumulating, many traders see Ozak AI as a breakout contender that could far outpace XRP in percentage gains during the next bull run.

XRP Bulls Are Gearing Up for a Major Breakout

XRP has been showing renewed strength as bullish momentum builds across the market. Currently trading at $2.45, XRP is supported by $2.10, $1.75, and $1.30, with resistance levels at $2.80, $3.50, and $5.00—the latter being a key psychological level that traders are targeting in the next major rally. Increased institutional interest, growing liquidity, and expanding use cases for cross-border payments are creating a strong fundamental backdrop for XRP’s potential move toward $5.

While XRP’s bullish structure is attracting both retail and institutional capital, a growing number of traders and whales are also positioning themselves in Ozak AI, a project that offers a very different kind of upside—one focused on early-stage growth and potential triple-digit ROI.

Youtube embed:

Next 500X AI Altcoin.  

Why Investors Are Looking Beyond Large-Cap Tokens

XRP remains a strong and liquid large-cap asset, but its sheer size makes it unlikely to deliver 50x or 100x returns at this stage. Historically, major bull runs begin with large-cap rallies like XRP and Bitcoin, but some of the biggest gains come from smaller, early-stage tokens that benefit from capital rotation once confidence returns to the market. In 2025, the strongest emerging narrative is AI + blockchain, and Ozak AI is quickly becoming one of the top names in that sector.

Ozak AI Brings Real Utility to the AI + Blockchain Narrative

Unlike speculative tokens that rely on hype, Ozak AI has real infrastructure backing its growth. The project is currently in its 6th OZ presale stage at $0.012, has raised over $4.1 million, and sold more than 975 million tokens. Through partnerships with Perceptron Network and SINT, Ozak AI integrates over 700,000 AI nodes, enabling predictive intelligence, signal processing, and agent-driven systems that set it apart from hype-only presales.

Adding to its credibility, Ozak AI is listed on CoinMarketCap and CoinGecko and has undergone security audits by CertiK and Sherlock, making it one of the more trusted early-stage plays in the AI + blockchain category.

Whale Accumulation Signals Growing Confidence

Whales have a consistent history of identifying breakout narratives before retail investors catch on. In previous cycles, they quietly accumulated assets like Ethereum, Solana, and meme tokens like Shiba Inu well before their explosive rallies. Now, similar accumulation is taking place with Ozak AI, signaling strong conviction in its breakout potential.

This early accumulation often precedes the steepest phase of a rally, giving early entrants a significant advantage once the project hits major exchanges and retail attention surges.

Ozak AI Could Outperform XRP in ROI

XRP’s march toward $5 is fueling optimism and drawing significant capital, but in terms of percentage returns, Ozak AI represents a much more asymmetric opportunity. Its early-stage presale, strong AI infrastructure, and growing whale accumulation position it as a potential 100x performer in the next market cycle.

For investors looking to balance stability with explosive upside, XRP provides a reliable large-cap anchor, while Ozak AI delivers early-entry exposure to one of the most powerful narratives in crypto today. As XRP pushes higher, Ozak AI could become the real breakout story of the 2025 bull run.

About Ozak AI 

Ozak AI is a blockchain-based crypto project that provides a technology platform that specializes in predictive AI and advanced data analytics for financial markets. Through machine learning algorithms and decentralized network technologies, Ozak AI enables real-time, accurate, and actionable insights to help crypto enthusiasts and businesses make the correct decisions.

For more, visit:

Website: https://ozak.ai/

Telegram: https://t.me/OzakAGI

Twitter: https://x.com/ozakagi

The post 3 Reasons Why Solana & Cardano Whales Are Loading Up on $TAP – The First Would Shock You! appeared first on Coinpedia Fintech News

Clearly, current market conditions are gloomy and bearish, marked by a significant downturn in the Solana price and Cardano price. And how are whales coping? An interesting trend is the growing interest in new high-potential altcoins like Digitap ($TAP). 

Hailed as the next 100x gem, $TAP is considered the best new crypto to invest in. Next, its narrative is the most appealing to the mainstream: a blend of DeFi and TradFi. Further, at $0.0194, it is not only budget-friendly but might be this year’s best cryptocurrency investment—a steal, according to experts. 

Solana Price in the Red – Time to Diversify? 

The Solana price, reflecting bearish sentiments in the overall crypto market, is in a downtrend. A 10% pullback on its 30-day chart sees it trading around the $190 mark. The only good news is the unfolding rebound on its daily chart. Can bulls maintain new momentum? 

Like previous attempts at a reversal, this might be another fakeout—the Solana price might revisit the $180 region. However, a clear breakout may send prices higher. An ETF approval by the SEC can also flip sentiment to bullish, or a Fed rate cut this month. 

Nevertheless, top analysts like Chill Trader identify signs of a decline below support. If confirmed, the Solana price might slide toward $164, they added. While a rebound is on the cards, a reversal cannot be ruled out either, making diversification a smart move. 

$SOL TRADE IDEA!

Solana forms a bearish flag pattern on the 1H timeframe; the price is showing signs of breaking below support.

If confirmed, the ideal breakout target is around $164. pic.twitter.com/poa07xBpW1

— Chill Trader (@Chill_trader99) October 22, 2025

Will Cardano Price Reclaim Higher Levels? Bears’ Rampage Continues 

Amid the ongoing bear rampage, the Cardano price is hovering around lower price levels. Sliding from its monthly high of $0.9 and down 20%, the Layer-1 coin trades at $0.64. Can it reclaim higher price levels? 

Experts believe a clear breakout above $0.7, accompanied by strong volume, may push the Cardano price toward $0.9 and the elusive $1. However, bulls losing the $0.60 support could be the start of a big sell-off. 

Ali, a top analyst, believes current support must hold for bulls to have a “real shot at breaking out toward $1.90.” If market conditions remain unchanged, retesting lower price levels isn’t out of the question. But if it does, a significant rebound is on the cards. 

$0.62 must hold as support for Cardano $ADA to have a real shot at breaking out toward $1.90. pic.twitter.com/INQ5TRHcu4

— Ali (@ali_charts) October 21, 2025

Digitap: A Must-Have This Year? Learn Why It is Considered the Best New Crypto to Invest in 2025

Digitap is on whales’ radars for various reasons, from its mainstream appeal to its astounding growth prospects as a new DeFi-TradFi coin. Also worth noting is its remarkable market performance—a 55% surge in the past few days. Aiming to become a leader at the intersection of traditional banking and DeFi, it might be this year’s breakout star. 

Positioned to provide financial access to the 1.4 billion unbanked people, Digitap’s recently launched borderless money app is a game-changer. Interestingly, users can be onboarded and get a virtual card in minutes with no mandatory KYC. 

In addition to championing true financial anonymity, its cards are co-branded with Visa for global acceptance online and in-store. Not only that. These cards are fully integrated with Apple Pay and Google Pay for seamless payments.

Given the real-world problems it solves, its mainstream appeal is staggering, setting it up for explosive growth. At $0.0194, experts believe it is primed for a 50x growth this year—a must-have. 

USE THE CODE “LIVEAPP30” FOR 30% OFF FIRST-TIME PURCHASES 

ADA and SOL Whales Back $TAP – One of the Crypto Presales With Real Utility

Digitap is an emerging cryptocurrency with real utility—allowing users to spend crypto like cash. While the Solana price and Cardano price are in downtrends, it skyrocketed by 55% from $0.0125 to $0.0194, its current price in the second presale round. Besides the expected 38% jump to $0.0268 by the next round, it is tipped to explode by 50x after its market debut this year. 

Digitap is Live NOW. Learn more about their project here:

Presale: https://presale.Digitap.app   

Website: https://digitap.app/ 

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

The post Best Crypto to Buy Before 2026 as Investors Seek 20x ROI appeared first on Coinpedia Fintech News

As the crypto market moves toward another potential bull cycle, investors are zeroing in on the best crypto coins to buy before 2026 — projects still early enough to deliver exponential gains but mature enough to show real utility. The spotlight is shifting from overhyped meme tokens to DeFi protocols with structured economics and visible progress. One project that’s increasingly being mentioned in analyst circles is Mutuum Finance (MUTM) — a DeFi platform combining functionality, sustainable yields, and a transparent presale that’s quickly gaining traction.

Mutuum Finance (MUTM)

Mutuum Finance’s presale has become one of the most-watched in the decentralized finance sector this year. The project has already raised over $17.8 million from more than 17,400 holders, with over 770 million tokens sold so far. The current MUTM price is $0.035, and Phase 6 is already 72% allocated. Once this stage sells out, the price increases to $0.04, ahead of the official $0.06 launch price.

The presale follows a fixed-price, fixed-allocation structure, where each stage offers a set number of tokens before advancing to the next higher price tier. This creates predictable appreciation for early participants. Additionally, Mutuum Finance runs a 24-hour leaderboard, rewarding the top daily contributor with $500 in MUTM, which has helped sustain visibility and community engagement as interest accelerates.

Analysts note that Phase 1 participants at $0.01 are already positioned for approximately 500% token appreciation at token listing and given the pace of investor inflows, that milestone may come sooner rather than later.

Dual Lending Markets and Yield Mechanics

At its core, Mutuum Finance (MUTM) is an Ethereum-based decentralized lending and borrowing protocol. What sets it apart from other DeFi platforms is its dual-market structure, designed to optimize liquidity and borrowing flexibility:

Peer-to-Contract (P2C) markets manage pooled liquidity for high-volume assets like ETH and USDT. Depositors add funds to shared pools and receive mtTokens, yield-bearing receipts that automatically accumulate interest as borrowers make repayments.

Peer-to-Peer (P2P) markets enable custom loan deals for niche tokens or unique lending terms, isolating risk on a per-loan basis and giving users greater control over collateral and repayment conditions.
Borrow rates on Mutuum Finance are utilization-based, meaning they shift dynamically depending on liquidity demand. When pool usage is low, rates stay lower to encourage borrowing and maximize capital efficiency. When utilization climbs, rates rise to attract deposits and restore liquidity balance.

For collateralized positions, Mutuum Finance uses overcollateralization with carefully set Loan-to-Value (LTV) ratios. Lower-volatility assets like ETH and stablecoins can support up to 75% LTV with an 80% liquidation threshold, while higher-risk tokens are capped near 35–40% LTV with a 65% liquidation threshold. This ensures protocol solvency and protects lenders even during sharp market swings.

V1 Launch, Oracles, and the Buy-and-Distribute Model

According to Mutuum Finance’s official X announcement, the project’s V1 protocol is set to launch on the Sepolia testnet in Q4 2025. The rollout will include core components like the Liquidity Pool, mtToken system, Debt Token, and Liquidator Bot, initially supporting ETH and USDT for lending, borrowing, and collateral.

One of Mutuum Finance’s most important tokenomics mechanisms is its buy-and-distribute model. A portion of the platform’s fees and protocol revenue will be used to buy MUTM from the open market, and those purchased tokens will then be redistributed to users who stake mtTokens in the safety module. 

Mutuum Finance’s pricing data will rely on robust oracle infrastructure, including Chainlink feeds supplemented by fallback and DEX-based time-weighted averages (TWAPs). These systems ensure accurate, up-to-date collateral valuations and maintain fairness in liquidations, a vital component for user trust and protocol stability.

Roadmap Toward a 20x Opportunity

Looking beyond the initial rollout, Mutuum Finance’s roadmap includes a USD-pegged overcollateralized stablecoin that will distribute interest-generated yield directly to the protocol treasury. This adds an additional revenue source to support the buy-and-redistribute cycle and strengthens the ecosystem’s long-term sustainability.

The team also plans to integrate Layer-2 scaling solutions, reducing gas fees and increasing transaction throughput. This will make lending and borrowing more accessible to smaller users, expanding the protocol’s reach across different market tiers.

Analysts covering top crypto launches project that as long as Mutuum Finance executes on these features and maintains its rapid presale momentum, MUTM could reach $0.60–$0.70 post-launch, with long-term targets up to $0.75–$0.80 by 2026. From the current presale price of $0.035, that represents a potential 1,800–2,200% (around 20x) increase, a figure many consider realistic given the project’s early positioning and clear revenue pathways.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post SpacePay Unveils Easy Multi-Chain Payment Widget Ahead of Expected Q4 Crypto Rally appeared first on Coinpedia Fintech News

October hasn’t played out for crypto the way many people hoped. Even so, the year isn’t over yet, and some analysts still think the market could see one last strong rally before this cycle ends.

The recent drop started with a wave of liquidations that surprised many traders. Confidence fell, and some investors pulled back. But the crypto market has a habit of bouncing back when it looks weakest. 

It recovered after the pandemic crash and also survived the FTX mess. Every time it seemed broken, it found a way to rise again. That’s why some people think another big move might be closer than we think.

What SpacePay Is Doing to Prepare for Major Adoption

While many projects are waiting for better market conditions, SpacePay is moving forward. The company is building, testing, and improving. SpacePay wants to make paying with crypto as easy as swiping a debit card.

 With its system, users can spend crypto, and merchants instantly receive the same amount in their own currency.

This works through SpacePay’s decentralized payment protocol, which already connects with over 325 wallets and regular card machines. In short, it makes crypto payments feel as easy and familiar as traditional ones. 

SpacePay’s SPY token powers transactions, gives holders rewards and voting rights, and ties them to the platform’s growth. SPY holders aren’t just investors; they’re part of a growing community helping shape the future of crypto payments.

SpacePay’s New Multi-Chain Payment Widget

SpacePay has announced something big. It launched the SpacePay One Testnet, featuring the first version of its payment API. The new payment widget is now live on testnet, working on both Base Sepolia and Ethereum Sepolia networks. 

According to the team, this widget is an early preview of the next phase of SpacePay’s tech. It’s simple, clean, and easy to integrate for developers. Anyone can plug it into their system and start testing.

The company also shared that it’s preparing for fiat settlement in future versions, which could make crypto payments completely universal. This launch is important because it brings real utility. 

Traders and investors have been asking for projects that do more than make promises, and SpacePay is delivering. With this widget, developers and merchants can already try out fast and gasless crypto payments that convert to fiat instantly. It’s a working example of how crypto payments can feel as natural as card payments.

Why SpacePay Ecosystem Stands Out and Is Programmed to Rally 

SpacePay’s system is built to grow and handle lots of transactions without slowing down. Payments happen right away. Everything moves in real time, which makes things smooth for both users and merchants.

Many crypto projects struggle to scale, but SpacePay seems to have figured it out. When someone pays with crypto, the system locks in the exchange rate right then. 

Merchants get the exact amount they expect in fiat without surprises. That kind of reliability helps build trust and makes merchants more comfortable accepting crypto.

Crypto payments are usually pricey, but SpacePay keeps fees low. It only charges a 0.5% merchant fee on each transaction. That’s much less than what most payment systems take. For merchants, that means less stress about unpredictable costs.

Put all that together and you get something pretty rare in crypto. A payment system that’s fast, affordable, and dependable. And it still gives users full control over their money.

The SPY presale is getting a lot of attention. It’s already raised more than $1.4 million. The token price sits at $0.003181. This gives early buyers a chance to get in before the next stage. Like most presales, the price goes up as it moves forward, so early participants often see the biggest gains.

Projects that actually solve real problems tend to do well when the market turns bullish again. Big names like Bitcoin and Ethereum move slowly, but smaller projects with strong utility can grow a lot faster – sometimes 50x or 100x faster during a rally. SpacePay’s steady progress and real working product make it one to watch.

The new payment widget adds to that confidence. It proves that SpacePay is building real technology, not just talking about it. Every update adds more trust, and that kind of trust can lead to long-term growth.

SpacePay wants people to use crypto every day. The platform already supports many cryptos, including the less popular ones. That gives users plenty of choice when they spend.

For merchants, it’s just as easy. They don’t need to know how blockchain works. SpacePay handles the conversion from crypto to fiat automatically. It removes the usual confusion and risk. Businesses can accept crypto the same way they take cash or cards.

Anyone can use SpacePay, as no special tools or training is needed. Crypto adoption grows naturally this way, one payment at a time.

How to Join the SPY Presale

Here’s how to buy SPY tokens early. Go to the official SpacePay website and connect a wallet like MetaMask or Trust Wallet. You can buy with ETH, BNB, MATIC, AVAX, USDT, or USDC. There’s even an option to use a bank card. 

Choose the amount you want, approve the transaction, and that’s it. You will be able to claim your tokens after the presale. 

JOIN THE SPACEPAY (SPY) PRESALE NOW

Website    |    (X) Twitter    |  Telegram 

The post Next Crypto to Explode: Pepeto’s 100× Potential appeared first on Coinpedia Fintech News

The crypto market matured through 2024-2025 as spot Bitcoin ETFs arrived in the U.S. BTC rallied past $120 000 after halving before cooling off. Layer-1 and infrastructure advances, Solana’s throughput, Chainlink’s oracle growth, and Ethereum’s EIP-4844 plus Pectra upgrades, shifted attention toward usable, high-utility networks.

Today, value comes from shipped features, user adoption, and transparent execution. Pepeto ($PEPETO) fits that mold. Its audited ecosystem, clear roadmap, and use-case-driven approach mirror the market’s move toward credibility and sustainable adoption.

• Look for audited technology, milestone clarity, and strong community traction.
• Prioritize fundamentals over hype when estimating upside.

Why the “Next Crypto to Explode” Narrative Matters in a Maturing Market

As institutions deepen exposure to digital assets, the conversation now favors projects with transparency and verifiable progress. Treat the “next crypto to explode” search as a disciplined, research-based exercise, not a meme gamble.

In a $4 trillion crypto market, institutional attention and compliance demands now reward delivery over drama. For investors chasing asymmetric returns, audited contracts and consistent communication reduce risk while signaling reliability.

That’s why Pepeto’s measured execution and audited infrastructure align with what professionals now demand: credible code, accountable leadership, and sustainable growth mechanisms such as its 220 % staking APY and $700 000 community giveaway.

Join PEPETO $700,000 Giveaway Now

How We Evaluate Contenders for Breakout Growth

Evidence leads the process. Real audits, on-chain metrics, and developer activity separate lasting innovations from noise.

Our research checklist favors:

• Audited smart-contract integrity
• Transparent team updates and roadmap checkpoints
• Healthy community expansion
• Demonstrable adoption and partnerships

Applying this lens to Pepeto reveals a project that ticks every box. The presale has raised over $7 million, staking participation is climbing, and social traction continues to expand. Such verified momentum makes milestone-driven execution the foundation for Pepeto’s potential 100× run.

Macro Tailwinds: ETFs, Lower Fees, and Real Utility

Market access and lower transaction costs are reshaping which platforms capture capital. Bitcoin ETFs boosted liquidity; Ethereum’s upgrades lowered Layer-2 fees; Solana’s Firedancer enhanced reliability. Enterprise integrations, from Chainlink’s CCIP to government collaborations, strengthened trust.

These same trends reward utility-backed ecosystems like Pepeto that merge meme culture with working infrastructure, its upcoming Pepeto Exchange and Pepeto Swap already preview how entertainment and DeFi can coexist under audited architecture. That integration readiness positions Pepeto to plug easily into the maturing Web3 stack.

Where Speed and Fees Drive User Growth: Lessons from Solana and Beyond

When users experience instant confirmations and near-zero fees, adoption compounds. Solana proved it; Pepeto is applying it through optimized swaps and staking rewards that encourage consistent participation.

Reliability and transparency now outweigh speculation. Pepeto’s audit-verified smart contracts and live demo DEX show how frictionless UX and predictable fees cultivate trust. Low-cost staking and intuitive interfaces could make Pepeto a go-to on-ramp for the next wave of retail adoption.

Bridging Culture and Utility: Pepeto’s Advantage

While many meme coins depend solely on hype, Pepeto combines the cultural power of PEPE with real-world function. Its 420-trillion supply mirrors PEPE’s symbolism, but its backbone, staking, exchange revenue sharing, and a transparent roadmap, anchors tangible value.

The project’s narrative bridges humor and productivity: “Pepe + Technology = Pepeto.” It’s a meme that works and earns. By uniting entertainment and financial mechanics, Pepeto embodies the hybrid model investors now prize, fun yet functional, viral yet verified.

Press Release: Pepeto ($PEPETO) Positions as a Hidden Gem with Audited Infrastructure and 100× Potential

With an audit completed and over $7 million raised, Pepeto ($PEPETO) frames itself as a measured, credible token built for mainstream adoption.

Recent updates include a refined roadmap, active community expansion, and integrations designed to scale usage through Pepeto Swap and Pepeto Exchange.

Grassroots participation continues to climb across Telegram and X, signaling organic momentum before listing.

Audit-backed architecture and clear milestones reduce integration risk and fit a market that now rewards diligence and delivery. In an era of meme mania without mechanics, Pepeto stands apart as a structured ecosystem with both utility and cultural reach.

The Next Crypto to Explode: How to Spot Asymmetric Upside Before Year-End

Identify high-upside projects by tracking audits, launch timelines, and real user growth. Check:

• Utility and sustained usage patterns
• Transparent teams and open audits
• Defined catalysts like exchange listings or product releases
• On-chain traction and community engagement metrics

Pepeto’s 220 % staking APY, $700 000 giveaway, and audited ecosystem meet every criterion, making it one of the most credible breakout contenders heading into Q4 2025.

Putting Your Research to Work: Building a High-Upside Watchlist

Build a concise list of audited, utility-focused tokens with measurable traction. Track user metrics, TVL, and exchange depth while prioritizing projects that marry brand energy with real functionality.

Add Pepeto (https://pepeto.io ) to your watchlist today. Its audited contracts, transparent roadmap, and fast-growing community make it a stand-out asset for investors pursuing asymmetric returns as the market re-accelerates into year-end.

Disclaimer :  To buy PEPETO Tokens, make sure to use the official website: https://pepeto.io/   As the listing gets closer, some are attempting to take advantage on the hype by using the name to mislead investors with fake platforms. Stay cautious and verify the source.

For More Info About Pepeto, Visit: 

• Website: https://pepeto.io/   
• X (Twitter): https://x.com/Pepetocoin  
• Telegram Channel: https://t.me/pepeto_channel   
• Instagram: https://www.instagram.com/pepetocoin/  

The post Top Crypto to Buy in October: SOL Is Recovering While MUTM Could Be the Next Crypto to Explode appeared first on Coinpedia Fintech News

October has historically been a month when market sentiment strengthens across the digital asset space, and 2025 is shaping up to follow that trend. After months of consolidation and uncertainty about why crypto is down, the market is beginning to show early signs of broad recovery. Solana (SOL) is already leading the comeback with increased activity and renewed ecosystem demand, while Mutuum Finance (MUTM) is emerging as the new crypto that investors are watching closely for explosive growth.

SOL — The Comeback Chain

While Mutuum Finance (MUTM) is positioning itself as the next DeFi disruptor, Solana (SOL) continues its strong comeback across the broader crypto landscape. Network stability has returned, transaction throughput is near record highs, and adoption across NFTs and DeFi is once again accelerating. Analysts are now eyeing a target range of $250 to $350 for SOL over the next market cycle, an impressive recovery that reflects its expanding ecosystem and institutional re-engagement. For investors diversifying their portfolios, pairing Solana’s blue-chip stability with Mutuum Finance’s growth-stage potential presents a strategic balance between proven value and emerging upside.

Mutuum Finance (MUTM) also maintains rigorous safeguards to address market volatility — a common concern for investors still questioning why crypto is down. Its risk engine will enforce conservative collateral thresholds: around 75% for stable assets like ETH or USDT and 40–60% for more volatile tokens. Liquidation ratios near 75% and reserve buffers ranging from 10 to 55% will ensure system solvency and liquidity even under stressed market conditions.

Mutuum Finance (MUTM)’s Presale

Mutuum Finance (MUTM) is in Phase 6 of its presale and is approximately 75% sold out, with more than $18 million raised so far in all phases. The current token price stands at $0.035, with Phase 7 expected to increase to $0.040 — a 15% step-up that reflects the growing investor appetite surrounding this new DeFi entrant. More than 17,450 holders have joined the ecosystem, signaling rising community engagement and belief in the project’s fundamentals.

An investor who participated during the early stages of the presale at $0.01 would now be sitting on around $17,500 in unrealized gains from a $5,000 entry, with the projected listing price expected to open near $0.06. This growth trajectory highlights the market’s confidence in Mutuum Finance (MUTM) as a DeFi crypto project combining innovation, transparency, and sustainable tokenomics.

Adding to its early momentum, the team has introduced a unique 24-hour leaderboard that rewards the top participant with $500 worth of MUTM each day. This daily incentive not only boosts engagement during the presale but also strengthens liquidity circulation before the platform officially launches.

The Next Engine of DeFi Reinvention

Mutuum Finance (MUTM) is building a comprehensive lending and borrowing protocol designed to deliver sustainable returns through real yield, liquidity-backed borrowing, and a robust overcollateralized system. The platform’s upcoming architecture integrates two interconnected models — Peer-to-Contract and Peer-to-Peer — to balance security with flexibility.

In the Peer-to-Contract framework, lenders will be able to deposit assets such as USDT, ETH, BTC, AVAX, or SOL into audited pools that automatically match borrowers posting collateral. A lender depositing $10,000 in USDT at an annual yield of 14% will earn $1,400 in passive income after one year. Borrowers who post $1,200 worth of SOL as collateral will access up to 75% of its value — around $900 — while retaining exposure to SOL’s market movement.

For higher-risk tokens, the Peer-to-Peer segment will empower direct rate negotiation between lenders and borrowers. This approach isolates volatility and enhances earning potential while keeping platform solvency intact through strong liquidation mechanisms.

Another pillar of Mutuum Finance (MUTM) is its buy-and-distribute model. A portion of all platform revenue will be used to buy back MUTM tokens from the open market. These repurchased tokens will then be distributed among mtToken stakers as part of their rewards. This structure creates consistent buying pressure, reinforces value for long-term users, and links token performance directly to real protocol revenue. As platform volume expands, this model is expected to push MUTM toward a price range of $0.25–$0.30 within its first year of trading.

Unlike typical presales that list the token before delivering a working product, Mutuum Finance (MUTM) synchronizes its token listing with the launch of its live platform. This coordinated release will ensure immediate token utility and trading liquidity. The upcoming launch of V1 of the protocol on Sepolia Testnet will feature key functionalities including ETH and USDT lending, mtTokens, debt tokens, and an automated liquidation system. The combination of working infrastructure and live listing is expected to attract early market attention similar to other projects that achieved 5×–8× returns within weeks of their debut.

Final Word — October’s Window of Opportunity

The positive mood in October is giving investors a chance to reposition themselves before the new DeFi cycle starts. As Mutuum Finance (MUTM) gets closer to finishing its Phase 6 presale and moving to $0.040 per token, this opportunity is soon closing. The project’s two types of lending, buybacks based on revenue, and introduction of both the platform and the token at the same time make it a structure that isn’t often seen in projects that are still in the presale stage.

While Solana (SOL) continues to recover as one of the most trustworthy networks in the industry, Mutuum Finance (MUTM) shines out as the new coin set to define the next generation of decentralized finance. As the market starts to recover, investors who buy MUTM at this presale phase are getting in on one of the most exciting growth stories for the next few years.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Best Crypto to Buy Now Under $1: Dogecoin (DOGE) Faces Competition as Little Pepe (LILPEPE) Wins Trader Interest in Q4 2025 appeared first on Coinpedia Fintech News

As the crypto market matures, investors gain interest in emerging projects. These projects possess greater upside potential than mega caps such as Dogecoin (DOGE). While Dogecoin may remain the dominant meme coin market, it may soon compete against the up-and-coming meme coin Little Pepe (LILPEPE), which gained traction in Q4 2025. Here’s why LILPEPE could soon exceed DOGE in market performance.

Dogecoin (DOGE): A Familiar Meme Coin Facing Stagnation

The Dogecoin price growth rate is beginning to decelerate despite being a popular product, and it is currently in a stagnant price range. Nonetheless, analysts feel that it can reach an approximate price of $3.25, giving it a price increase of 1500% of its current price of $0.19. The silent propellant could be Elon Musk, and if the company Tesla, Inc. will accept DOGE as a payment method. Musk has been mum on the subject, and validators are rumoured to rally if Dogecoin ETFs get the green light from the SEC.

Source: Tradingview

Short-term estimates for Dogecoin have predicted that it could hit $0.25. The lack of confirmation from Musk or any updates on whether DOGE will be a supported payment method at Tesla sparks inquiries on whether DOGE can continue its rally. Dogecoin has been the largest meme coin in terms of market capitalization, though newer meme coins have the potential to take its place soon.

Little Pepe (LILPEPE): A real utility Meme Coin with Long-term Potential.

Whereas Dogecoin is a hype-based social media influencer-fueled meme coin, Little Pepe (LILPEPE) is a readily available meme coin with utility and a long-term growth potential. With strong token metrics, a CertiK audit, and verified listings on Tier-1 exchanges, it surpasses the typical meme coin, promising a safer investment option to potential investors.

LILPEPE has a launchpad called the Pepe Pump Pad, which developers can use to submit their projects. Instead of rug-pulling, the pad has liquidity locked up and the smart contract verified. The zero gas fees and Layer-2 scalability have been argued to make the token more than a meme token. With a $777K presale giveaway and mega rewards of 15 ETH given to the top 50 contributors, LILPEPE is set to be the hottest meme coin of 2025, with a projected 15,404% increase in value by Q1 2026, ranking among the best coins under $0.25.

Conclusion: LILPEPE is the Future of Meme Coins

Little Pepe (LILPEPE) has gained in Dogecoin with its innovative features, security, and scalability. Its popularity rises. Its community is large. Its tokenomics are transparent. Its fundamentals are strong. It has the potential to outperform Dogecoin in 2025. With a potential growth of 15,404%, LILPEPE is a much safer and better investment option when compared to other meme coins. Little Pepe (LILPEPE) is the best long-term meme coin buy under one dollar with actual utility that Dogecoin no longer provides.

For more information about Little Pepe (LILPEPE) visit the links below:

• Website: https://littlepepe.com
• Whitepaper: https://littlepepe.com/whitepaper.pdf
• Telegram: https://t.me/littlepepetoken
• Twitter/X: https://x.com/littlepepetoken
• $777k Giveaway: https://littlepepe.com/777k-giveaway/