Ethereum has long been viewed as the benchmark for decentralized finance, with a track record that spans nearly a decade. But in 2025, investors are looking at value a bit differently. The focus has shifted from established dominance to identifying where the strongest growth potential lies. And one project, Mutuum Finance (MUTM), is starting to attract serious attention for that exact reason.
While ETH remains a go-to crypto asset for many, some analysts now believe Mutuum Finance could deliver far greater returns by the end of 2025. Priced at just $0.025 during its presale, the token is offering what many see as one of the strongest upside plays this year.
Ethereum’s (ETH) Progress and Limitations
There’s no denying Ethereum’s contributions to blockchain innovation. From pioneering smart contracts to hosting thousands of decentralized apps, it continues to lead the space in total value locked and user adoption. Ethereum’s recent upgrades—including the shift to Proof-of-Stake—have improved its energy efficiency and scalability, helping ETH maintain its second-place market position.
But ETH’s price movement is now slower and more conservative. After climbing to over $4,800 in its 2021 cycle, it currently trades near $1,570, with forecasts pointing to $3,500–$4,000 by year’s end. While this reflects stability and confidence, it also caps near-term ROI potential to around 2–3x, at best.
Mutuum Finance (MUTM)
Mutuum Finance takes a different approach. Rather than building just another lending platform, it’s building a modular DeFi protocol with several moving parts—all of which are designed to support real value accrual.
The platform will issue mtTokens to users who deposit assets into its liquidity pools. But unlike basic receipt tokens, mtTokens are designed to track earned interest in real time, with their redeemable value automatically updated. Instead of changing token quantity or price ratios, the protocol calculates value internally—keeping the system intuitive and accurate for users. This structure allows users to track their returns transparently, while remaining fully in control of their deposited assets.
On top of that, Mutuum is preparing to launch a fully decentralized stablecoin. The stablecoin will be overcollateralized and pegged to the U.S. Dollar through smart contracts. Every minted unit will be backed by locked assets within the protocol, and the system burns stablecoins upon loan repayments or liquidations—ensuring constant supply balance. Unlike centralized stablecoins, Mutuum’s version will live entirely on-chain, aligning with the platform’s trustless philosophy.
Why MUTM Could Deliver Higher ROI Than ETH
Here’s where the numbers matter. While ETH might 2x or 3x from its current range, MUTM’s upside is exponentially greater. Once the token launches on exchanges, it’s projected to start at $0.06—already a 140% gain from current levels. But projections don’t stop there.
Based on planned feature rollouts, increased usage of mtTokens and stablecoins, and growing community participation, some analysts estimate a price of $1.20–$1.50 within the first few weeks post-launch. That’s a 4,700%–5,900% surge from the presale price. For long-term holders looking out to Q1 2026, forecasts suggest potential highs of $6 or even $8.
What sets MUTM apart isn’t just its low price or future roadmap—it’s the protocol’s revenue model. A percentage of the fees collected through borrowing activity will be used to purchase MUTM tokens from open markets. Those tokens are subsequently distributed to active participants who hold mtTokens. This not only rewards long-term participants but also creates steady buy pressure.
Additionally, the protocol is designed to handle a wide range of digital assets—from blue-chip tokens like ETH and BTC to meme coins like SHIB and DOGE through its future peer-to-peer module. This gives users access to structured borrowing and lending, no matter what kind of portfolio they hold.
Over 8,300 on-chain holders have joined the project during its early phases, with more than $6.8 million raised so far. The presale is currently in its 4th phase, with the next price increase set at $0.03—marking a 20% jump. A live dashboard is already active, showing real-time presale data and offering transparency to the community. In addition, a CertiK audit is underway to verify the smart contract security before the full product launch.
Ethereum will remain a core infrastructure for blockchain-based applications and development. But when it comes to ROI potential, especially for smaller investors looking to multiply their capital, Mutuum Finance is one of the best crypto coins to buy now. Its current pricing, upcoming utilities, and layered incentives give it the kind of setup that’s rare in today’s crowded market.
The question isn’t whether MUTM can compete with Ethereum in terms of vision—it’s whether you’ll be early enough to benefit from the growth that’s still ahead.
For more information about Mutuum Finance (MUTM) visit the links below:
Since US President Donald Trump assumed office, the Securities and Exchange Commission (SEC) has dropped, settled, or paused lawsuits against prominent crypto entities left and right. In stark contrast to the previous administration’s leadership under Chair Gary Gensler, the SEC seems to be parting from its previous crackdown on digital assets.
In an interview with BeInCrypto, Nick Puckrin, Founder of The Coin Bureau, and Hank Huang, Chief Executive Officer at Kronos Research, highlighted the substantial election influence the crypto industry had over Trump’s candidacy as a contributing factor to the SEC’s looser stance on crypto.
The SEC’s Approach Under Trump
The SEC has experienced a clear shift in its approach to crypto lawsuits under Trump’s presidency. Its move away from the aggressive enforcement tactics of its previous leadership has largely characterized this shift.
“When President Donald Trump won the US election, the crypto industry rejoiced. Finally, the ‘regulation by enforcement’ era, which the SEC under the leadership of Gary Gensler was so famous for, was about to come to an end. And the new administration didn’t disappoint. Within just a couple of weeks of Trump’s inauguration, the revamped SEC started dropping lawsuits against crypto firms left, right and center,” Puckrin said.
Two weeks ago, the SEC officially dropped its appeal and XRP lawsuit against Ripple Labs, ending a five-year legal battle. The Commission had originally accused Ripple of conducting an unregistered securities offering worth $1.3 billion through XRP sales.
“After more than four years in limbo, the SEC has officially decided that XRP is not a security (though what it is instead remains to be seen). This case has been weighing heavily on XRP – the fourth largest cryptocurrency with a market cap of roughly $130 billion– so its resolution is a major win,” Puckrin added.
The wider crypto community celebrated the outcome, with many arguing that it will set a precedent for how digital assets are classified in the US. This prediction is warranted, given that the SEC has been on a lawsuit-dropping spree.
The SEC has also dropped several ongoing investigations against OpenSea, Robinhood, Uniswap Labs, Kraken, and Gemini. It has also asked a federal court to issue a 60-day pause over its litigation against Binance. Meanwhile, the Commission settled its investigation into ConsenSys over its Ethereum software products.
These lawsuits surfaced in parallel to a series of crypto-friendly measures meant to foster greater innovation and curb potential regulatory suffocation that had existed during the Biden era.
Will New Leadership Define Clear Crypto Regulations?
A day after Trump assumed office, SEC Acting Chairman Mark Uyeda announced the creation of a dedicated crypto task force led by Commissioner Hester Peirce. The task force was reportedly designed to resolve long-standing ambiguities in the regulatory treatment of digital assets.
In all SEC crypto lawsuits, Commissioner Uyeda has implemented a strategy prioritizing industry engagement to develop regulatory frameworks that balance innovation and investor protection.
Meanwhile, Trump strategically nominated Paul Atkins, a crypto-curious, regulation-light candidate, to replace Gensler as head of the SEC. Just this week, the Senate Banking Committee voted to advance Atkins’ nomination to the full Senate.
Now, only a stone’s throw away from becoming SEC Chair, Atkins is expected to loosen regulatory oversight on crypto.
“With the establishment of a new Task Force and key appointees like Paul Atkins fostering innovation, Trump’s strategic move to create a Bitcoin reserve within the government further underscores his commitment to supporting the industry. The future of crypto regulations will be focused on less oversight and the beginning of a delicate but promising thaw in the regulatory landscape,” Huang added.
Though some say Trump’s handling of crypto affairs has resulted in a never-before-seen triumph, others are weary that his increasing involvement in the industry has turned out to be a recipe for disaster.
The Impact of Crypto Donations on Regulations
Several industry leaders went to great lengths to ensure that Trump became America’s 47th president. Millions of dollars in donations from crypto firms throughout Trump’s campaign illustrated these efforts.
According to a Public Citizen report, over $119 million from crypto corporations went into influencing the 2024 federal elections, largely through Fairshake, a non-partisan super PAC backing pro-crypto candidates and opposing skeptics.
Crypto corporations donated over $119 million to the 2024 federal elections. Source: Public Citizen
Coinbase and Ripple, among others who stand to profit, directly provided over half of Fairshake’s funding. The remaining funds mostly came from billionaire crypto executives and venture capitalists. Notable contributions included $44 million from the founders of Andreessen Horowitz, $5 million from the Winklevoss twins, and $1 million from Coinbase CEO Brian Armstrong.
So far, big crypto’s spending strategy is paying off with a more favorable environment.
Without a clear framework to guide the crypto industry following these dropped lawsuits, this lax approach risks being short-lived. Ultimately, this could tarnish long-term crypto adoption.
“Somehow, all these victories feel somewhat hollow after the reputation of the crypto industry has been tarnished by the billions of dollars in combined losses from meme coin scams. Meanwhile, Hayden Davis, the mastermind behind LIBRA, continues to launch fraudulent meme tokens, despite being on the Interpol wanted list,” he said.
A 2024 report by Web3 intelligence platform Merkle Science revealed that meme coin rug pulls cost investors over $500 million. The February LIBRA incident showed how this trend was carried over to 2025. Nansen data revealed that 86% of investors lost $251 million, while insiders pocketed $180 million in profits.
Though crypto scammers may be charged with related crimes like wire fraud or money laundering, rug pulling is legal. Better said, it’s unaccounted for. No regulation holds crypto insiders responsible for meme coin scams.
“As crypto becomes an ever more mainstream asset class, consumers need to be protected against those who choose to use it for nefarious purposes. One way to do this is through education, and that’s our job as an industry. But deterring scams and extractive behavior is the job of the regulators. And it’s time they stepped up to the task,” Puckrin told BeInCrypto.
If the SEC doesn’t take advantage of this opportunity to curb the consequences that meme coin scams can produce, it will result in an enormous setback for the industry.
Comprehensive Regulation Beyond Dropped Lawsuits
Puckrin illustrated the need for heightened regulatory clarity in crypto by drawing attention to the way the SEC penalizes insider trading in the context of traditional investing.
“In traditional investing, insider trading is a serious crime. In the US, it’s punishable by fines of up to $5 million for individuals and prison sentences up to 20 years. Similarly, federal penalties for engaging with illegal gambling activities include up to five years in prison. Perpetrators of memecoin scams must be punished with the same level of severity, because the result is the same: manipulating markets and cheating unsuspecting investors out of their savings,” he said.
Puckrin clarified, however, that the issue isn’t solely about penalizing fraudsters. Just as the SEC’s past overregulation hindered the industry, the current lack of meme coin rules creates an environment where new scams and exploitative schemes can easily flourish.
“Yes, the removal of lawsuits is great news for blockchain innovation, but something needs to replace it. Indeed, serious cryptocurrency firms have never advocated for an unregulated Wild West. What they want is clarity and rules that are fit for the nascent blockchain industry – not just a copy-and-paste of existing financial regulations that simply don’t work for crypto,” he said.
Although the Trump administration has only been in place for four months, the clock is ticking, and meaningful change takes time.
Unanswered Questions Loom
Puckrin expressed concern over the current administration’s prioritization of lawsuit dismissals instead of working faster to implement transcendental crypto regulation.
“My concern is that regulators will keep kicking the can down the road with crypto regulation, having gained the approval of the industry for dropping the many lawsuits that were stifling its growth. And this is incredibly dangerous,” he told BeInCrypto.
Meanwhile, critical questions that only the SEC can define remain unanswered.
“What are memecoins and who will ensure another LIBRA fiasco doesn’t happen? Are utility altcoins now commodities and if so, will the Commodities Futures Trading Commission (CFTC) regulate them? And, importantly, what do we do about compensating investors who have lost billions to crypto fraud?” Puckrin concluded.
The SEC’s current direction promises a regulated renaissance or a breeding ground for future crises.
With billions lost and critical questions unanswered, the future of crypto hinges on whether the regulatory body will translate its recent shift into a lasting framework that fosters innovation without sacrificing investor protection.
On March 15, 2025, Kaito AI, an artificial intelligence-powered platform for crypto market analysis, and its founder, Yu, fell victim to a social media hack on X (formerly Twitter). The attackers gained control of the account and falsely claimed that Kaito AI’s wallets had been compromised, warning users that their funds were at risk.
According to blockchain investigator Defi Warhol, the attackers also reportedly opened a short position on Kaito tokens before posting the false alerts. Their goal appeared to be manipulating the token’s price downward so they could profit from the artificial decline.
However, Kaito AI’s team quickly regained control of the compromised account and reassured users that their wallets remained secure. The team also said that they had implemented robust security measures to prevent such incidents in the future, noting that the attack seemed similar to other recent breaches targeting crypto-related accounts.
The company wrote, “This account and @Punk9277 were just compromised. The KAITO wallets were NOT and are NOT compromised. We now have regained access to the twitter accounts. Please bare with us as we investigate how this happened. We had high standard security measures in place to prevent it – so it seems to be similar or the same to other recent Twitter account hacks. We’ll update as soon as we can. To reiterate – KAITO token wallets have not been compromised.”
The rise in such cyberattacks has led to an alarming increase in losses within the crypto ecosystem. According to a report by blockchain security platform Immunefi, losses in February 2025 were 20 times higher than in January 2025, with a sharp increase in scams targeting investors.
The post Crypto News: Hackers Target Kaito AI with False Claims of Wallet Compromise appeared first on Coinpedia Fintech News
On March 15, 2025, Kaito AI, an artificial intelligence-powered platform for crypto market analysis, and its founder, Yu, fell victim to a social media hack on X (formerly Twitter). The attackers gained control of the account and falsely claimed that Kaito AI’s wallets had been compromised, warning users that their funds were at risk. According …
Prices of cryptocurrencies fluctuate quite often. Expert traders can capitalize on them, but constant market monitoring and adjusting trade strategies are still required, especially during a bear market.
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AlgosOne AiAO Token
Trading Bitcoin, XRP, and Shiba Inu have many advantages, but AlgosOne’s AiAO token is also designed in a unique way, especially in a bear market, because of its tokenomics.
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