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As investors scan the market for the best cryptocurrency to invest in for 2026, attention is steadily shifting toward projects that combine real utility, structured growth, and clear demand mechanics. While crypto prices often move on hype alone, long-term winners are usually built during quieter phases. That is exactly where Mutuum Finance (MUTM) currently stands, positioning itself as a serious defi crypto contender while still being available at presale valuation. Mutuum Finance (MUTM) is being designed as a decentralized, non-custodial liquidity protocol that will support both peer-to-contract and peer-to-peer lending. Its structure focuses on real usage rather than speculation, which is why many market observers are now projecting aggressive upside as adoption increases through 2026. Presale Drawing Attention Currently valued at $0.035, the MUTM token is making waves as it sails through its Phase 6 presale, showcasing a phenomenal 250% increase since its humble beginnings at $0.01. With a total supply capped at 4 billion, of which 45.5% or 1.82 billion tokens are reserved for presale, Mutuum Finance is intricately designed for appreciation. This allocation ensures broad early participation while maintaining long-term ecosystem balance. What fuels urgency among investors is the staggered pricing structure that elevates prices by nearly 20% with each consecutive phase. This mechanism directly rewards early commitment and steadily raises the entry barrier as demand increases. How Lending Utility Will Drive 600% Demand and Revenue As part of its beta rollout, Mutuum Finance (MUTM) will deploy V1 of the protocol on the Sepolia testnet in Q4 2025, featuring liquidity pools, mtTokens, debt tokens, and an automated liquidator bot. Initial supported assets will include ETH and USDT for lending, borrowing, and collateral. This testnet phase will allow users to interact early, provide feedback, and build confidence ahead of broader adoption. Deploying V1 on the testnet gives the community an early opportunity to interact with the protocol before the mainnet rollout. This phased release supports transparency, promotes hands-on user participation, and allows the team to refine the system based on real-world feedback. As engagement grows during the testnet phase, interest in the platform is expected to increase, helping reinforce long-term confidence and demand for the MUTM token. Mutuum Finance is being built around two lending models that will directly support usage-driven demand for MUTM. Every interaction within the protocol will require token engagement, reinforcing a circular economy that aligns users, liquidity, and long-term growth. In the peer-to-contract model, lenders will pool assets such as USDT and DAI alongside established cryptocurrencies like ETH and BTC into audited smart contracts. Borrowers will access this liquidity by posting overcollateralized assets. Interest rates will dynamically adjust based on pool utilization, rising as demand increases and easing as liquidity expands. This mechanism will balance supply and borrowing efficiency without centralized intervention. For example, a lender supplying 10,000 USDT into a P2C pool will receive mtTokens representing their pool share and accrued interest. These mtTokens will also function as collateral, allowing the lender to borrow assets such as ETH without withdrawing their original position. At the same time, a borrower depositing $15,000 worth of ETH can borrow 9,000 USDT (depending on LTV ratio), maintaining a strong collateral buffer while accessing liquidity for trading or strategy execution. This structure rewards both sides through predictable yield and controlled risk. The peer-to-peer model will expand opportunities further by enabling lending for higher-risk or niche assets like Dogecoin (DOGE) and Pepe (PEPE). Instead of pooled liquidity, lenders and borrowers will negotiate terms directly, setting interest rates and durations that reflect asset volatility. For instance, a lender accepting DOGE as collateral can offer a short-term loan at a higher interest rate, capturing elevated returns while operating within clearly defined risk boundaries. This segmentation protects the core liquidity pools while unlocking yield avenues that traditional platforms often avoid. All loans across both models will rely on overcollateralization enforced by a Stability Factor. When collateral values decline beyond required thresholds, liquidation will activate automatically. Liquidators will repurchase outstanding debt at a discount, stabilizing the system and preventing bad debt from spreading across the protocol. Market volatility and liquidity management will play a critical role in sustaining protocol health. Adequate on-chain liquidity will ensure liquidations execute smoothly without excessive slippage. Loan-to-Value ratios will be calibrated based on asset risk, with lower-volatility assets like ETH and stablecoins sustaining higher LTVs, while volatile tokens operate within tighter parameters. Reserve factors will further protect the system, balancing security with participation incentives. In the final analysis, the current presale window is rapidly closing. Phase 6 is already 98% sold out, and the next phase will increase the token price by approximately 15%, moving MUTM from $0.035 to $0.040. For investors targeting 2026 exposure, this marks the final opportunity to secure entry at today’s discounted valuation. As real utility, audited security, and active participation converge, Mutuum Finance (MUTM) is positioning itself as a standout candidate for those seeking outsized growth in the next market cycle. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance Disclaimer:This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses.

BlockBeats News, December 28, according to on-chain analyst Ai Auntie (@ai_9684xtpa), a whale has been accumulating 38,415.18 ETH since December 5, worth approximately $119 million. Three days later, half an hour ago, they withdrew 3,997 ETH from OKX, about $11.76 million; the average cost of the 38.4 thousand ETH is about $3,111.38, with an unrealized loss of $6.576 million, and they also deposited 15.3 million USDT to the exchange 15 minutes ago. The address 0xce9...57c69 currently has 41,523.24 ETH staked and borrowed 69.82 million USDT.

Defi Llama data shows that the total market value of stablecoins decreased by 0.65% in the past week, now at 308.366 billion USD. Among them, the total market value of USDT fell by 0.03%, now at 186.7 billion USD, with a market share of 60.54%.

The following is a guest post and opinion from Anurag Arjun, Founder of Avail. The global stablecoin narrative is about to shift fast. What began as a US-dominated experiment in digital liquidity is morphing into a multipolar fight over who controls the rails of tomorrow’s monetary system. And the most consequential moves are unfolding in Asia—quietly, deliberately, and at increasing speed. For a decade, dollar-backed tokens (such as USDT and USDC) have dominated the market. But 2025 is the year that the reign begins to crack. Behind closed doors in Seoul, Tokyo, Hong Kong, Singapore, and Jakarta, a different plan is being built: stablecoins pegged to local currencies, issued under regulated frameworks, and designed for regional commerce, remittances, gaming, and ultimately, financial sovereignty. If the West remains fixated on the next U.S. stablecoin bill, Asia is scrambling to build a stablecoin empire of its own. Why 2025 is the Turning Point Because the changes are concrete, regulatory, and structural—not speculative. In Hong Kong, the Hong Kong Monetary Authority (HKMA) passed a landmark Stablecoins Ordinance in May 2025. As of August 1, any entity issuing fiat-referenced stablecoins or marketing a stablecoin pegged to HKD must have a license from the HKMA, abide by reserve and redemption regulations, and undergo AML/auditing oversight. The licensing race has begun in earnest. Dozens of firms—from fintechs to banks to Web3 companies—are reported to be preparing applications, all vying to become early-licensed issuers. But the real inflection point is not just regulatory. It’s strategic. Global firms are finally realizing they cannot build a worldwide business on USD-only rails without alienating major markets. Exchanges, payment apps, Web3 gaming companies, and fintechs operating across Asia have started to understand the risk: A USD-only offering signals misalignment with local regulators. It caps user adoption in markets where domestic currencies dominate on-the-ground commerce. It creates dependency on U.S. regulatory and banking bottlenecks. It limits participation in Asia’s fast-emerging digital payment ecosystems. Asia isn’t rejecting the dollar outright. It’s building alternatives—quietly and with increasing coordination. What Asia Is Building Instead Hong Kong is only the start. South Korea is now in the advanced stages of developing a legal framework for won-pegged stablecoins, with regulators preparing legislation for submission by the end of 2025, and debates intensifying over the distinction between bank- and non-bank-issued stablecoins and their respective oversight. Major financial institutions and tech firms are already positioning ahead of formal rules. Japan is embracing stablecoin innovation on both the institutional and private fronts: its largest banks are collaborating on stablecoin initiatives for corporate settlements, while private yen-pegged tokens such as JPYC operate under a clear regulatory framework and are gaining traction. Singapore continues to support digital payment tokens and multi-currency stablecoin infrastructure under a calibrated, compliance-first framework that emphasizes risk controls and regulatory standards. See, what’s emerging in Asia isn’t just a collection of local stablecoins. It’s the early formation of an alternative settlement layer—one that reduces reliance on U.S.-centric banking rails, correspondent networks, and dollar-clearing choke points. Digital trade corridors are the endgame. This is where Western narratives begin to fall apart. In the U.S., the debate remains stuck on how to regulate dollar-backed stablecoins domestically. In Asia, the question is already more advanced: how should digital currencies move between jurisdictions, under whose rules, and on whose terms? That is not a crypto question. It is a geopolitical one. Meanwhile in Europe… A Late Awakening Europe’s response adds another twist. In Europe, a consortium of major banks, including ING, UniCredit, and BNP Paribas, formed a company named Qivalis. The emergence of Qivalis (a euro-backed, bank-controlled stablecoin set for 2026) is being spun as a response to U.S. dominance. Wrong. It’s a response to Asian acceleration. Europe doesn’t want a future where the two major non-EU digital currencies are: USD stablecoins, and Asia’s new wave of regulated FX stablecoins. For the first time, Europe is being pulled into a currency-rail arms race it did not expect to fight. These developments show that stablecoins are no longer niche digital assets. They are being woven into the future fabric of regulated, sovereign, or supra-sovereign money systems. Stablecoins Are Becoming State-Adjacent New research focus and hybrid monetary systems—combining CBDCs + stablecoins—signal where this is all going: Stablecoins are becoming state-adjacent. Not anti-state. Not post-state. But parallel-state financial tools. And this is where the questions get uncomfortable: What happens when a KRW or JPY stablecoin becomes more trusted in Southeast Asia than local fiat? What happens when a Singapore-approved multi-currency stablecoin becomes the de facto settlement asset for APAC regional trade? What happens when Western regulators realize they’ve lost the narrative they thought they controlled? What does “dollar dominance” mean when the world’s liquidity moves through programmable, multi-currency rails that no single country controls? What happens when USD stablecoins become just one option—not the default? These are not hypothetical questions anymore. They are emerging realities, forming in slow motion, while geopolitical institutions pretend this is still “crypto.” The Shift Is Already Underway Asia isn’t racing to build stablecoins. Asia is racing to build strategic monetary optionality. And the West is still arguing over definitions. That distinction matters. The future of stablecoins will not be won by the loudest protocol or the largest issuer, but by the jurisdictions that design credible, regulated, interoperable currency rails first. In that race, Asia is already several steps ahead. And by the time the shift becomes obvious, the rules of digital money may have already been rewritten with a logic that America did not write. The post Asia is quietly building a counterweight to the dollar stablecoin empire, and the West isn’t ready appeared first on CryptoSlate.