When major holders begin shifting their stakes, it often signals a turning point in the market. These whales, having captured significant gains from crowded trades, are now exploring fresh opportunities. One project attracting their attention is Mutuum Finance (MUTM), hailed by some analysts as the best crypto to buy now thanks to its tangible utility and revenue-driven tokenomics.
Several high-net-worth wallets have quietly taken profits and redeployed capital into new protocols offering real yield. In an environment where meme coins have plateaued, large players are asking what cryptocurrency to invest in next. Their focus has moved toward platforms delivering real-world financial services—like lending, borrowing, and stablecoin minting—instead of purely speculative tokens.
Mutuum Finance (MUTM)
Mutuum Finance is built on a non-custodial framework that gives users full control over their assets. Depositors supply stablecoins—such as USDC or DAI—to earn a dynamic APY, while borrowers lock collateral to access liquidity without selling holdings. When you deposit, you receive mtTokens, which grow in value as the protocol allocates a portion of its fees to buy back MUTM and distribute it to participants.
In contrast to meme-driven tokens with unpredictable supply sinks, MUTM’s buyback mechanism ties demand directly to usage. As more users borrow and lend, fee revenue funds ongoing token repurchases. This creates a steady buying pressure, setting the stage for long-term crypto investment that isn’t reliant on social media hype.
Mutuum’s lending suite offers two modes. In the pool-based system, users deposit assets like ETH or USDC into smart-contract pools. Lenders earn an APY that adjusts with demand—single digits when utilization is low and mid-teens when borrowing spikes. Under the peer-to-peer model, individuals can negotiate terms directly for less common tokens. For example, an investor holding LINK could agree to lend it at 12% APY with a 75% LTV, tapping liquidity without relinquishing exposure to price gains.
Consider borrowing against Ethereum as an example. With ETH trading around $1,800, locking in 2 ETH (worth $3,600) lets you borrow up to 75%—about $2,700 in stablecoins. This setup protects lenders with ample overcollateralization while letting borrowers keep potential upside on their ETH holdings.
Currently, MUTM is in its presale phase at $0.025, its lowest available price. Eleven scheduled rounds will incrementally raise the token cost, and more than half of the current phase has already sold to over 9,000 holders. Early investors secure a 140% gain upon listing at the fixed launch price of $0.06—an opportunity that won’t last long.
Analysts foresee further gains after exchange listings. Projections suggest MUTM could climb into the $2–$4 range within months, implying 80x–160x returns from today’s level. To illustrate, a $2,000 investment at the presale price could expand to $160,000–$320,000 when MUTM hits $4. Such figures are grounded in the protocol’s roadmap: growing lending volume, a forthcoming overcollateralized stablecoin, and continuous buybacks.
Community incentives reinforce this momentum. A live dashboard features a top-50 holder leaderboard, awarding bonus MUTM to those who retain their rank. This gamified element encourages ongoing engagement and keeps MUTM visible across social channels and crypto charts.
Mutuum’s stablecoin will be minted algorithmically when users deposit collateral above a set threshold and burned upon repayment or liquidation, preserving its peg to the US dollar. Interest from stablecoin loans flows directly into the treasury, adding another revenue stream for token repurchases. This integrated approach to product development is rare among low-cap cryptocurrencies, making MUTM a compelling crypto investment for those seeking real utility.
As whales reposition their holdings, investing in platforms with genuine earnings potential has become a priority. Mutuum Finance’s blend of transparent mechanics, tangible use cases, and a ground-floor presale price positions it as a leading contender among the next big crypto projects. For anyone mapping out crypto predictions this cycle, MUTM offers a clear answer to what crypto to buy today, combining measurable utility with explosive upside potential.
For more information about Mutuum Finance (MUTM) visit the links below:
Story’s IP has extended its bullish streak, recording another day of gains as its uptrend continues. In the last 24 hours alone, IP has surged 11%, making it the second-highest gainer during this period.
Over the past week, the altcoin has climbed 17%, bucking the broader market decline and solidifying its position as one of the strongest performers.
IP’s Short-Term Outlook Remains Bullish as Buying Pressure Builds
Readings from the IP 12-hour chart hint at a sustained price growth in the short term. For example, the coin’s Moving Average Convergence Divergence (MACD) supports this bullish outlook.
After spending an extended period below the signal line (orange), IP’s MACD line (blue) flipped above it during Wednesday’s trading session, posting a green histogram bar.
This bullish crossover suggests a bullish shift in momentum, indicating increasing buying pressure. The appearance of a green histogram bar reinforces the strength of this trend, signaling that IP’s uptrend could continue. If sustained, this momentum may attract more traders, potentially driving the coin’s price even higher.
Additionally, IP’s Aroon Up Line, which tracks the strength of its trends, confirms that the current rally is still intact, indicating that the uptrend may not be slowing down anytime soon. At press time, this indicator is at 92.86%.
When an asset’s Aroon Up Line is close to 100%, it indicates a strong uptrend. The metric suggests that IP is consistently reaching new highs within the review period. This is true of the coin, which currently trades at $5.91, its highest since March 8.
IP Holds Strong Above Support—Can It Reclaim Its $7.95 All-Time High?
At its current price, IP trades strongly above the support floor formed at $5.54. If the bullish pressure in its spot markets remains, IP could continue its upward trend and attempt to revisit its all-time high of $7.95.
On the other hand, a resurgence in profit-taking among IP holders would invalidate this bullish projection. In that scenario, the coin could lose its recent gains, fall below the $5.54 support, and drop toward $4.05.
China’s recent directive for its state-owned banks to decrease reliance on the US dollar has amplified a growing trend among countries seeking alternatives to the dominant reserve assets. In some instances, Bitcoin has emerged as a viable competitor.
BeInCrypto spoke with experts from VanEck, CoinGecko, Gate.io, HashKey Research, and Humanity Protocol to understand Bitcoin’s rise as an alternative to the US dollar and its potential for greater influence in global geopolitics.
The Push for De-Dollarization
Since the 2008 global financial crisis, China has gradually reduced its reliance on the US dollar. The People’s Bank of China (PBOC) has now instructed state-owned banks to reduce dollar purchases amid the heightened trade war with US President Donald Trump.
China is among many nations seeking to lessen its dependence on the dollar. Russia, like its southern neighbor, has received an increasing number of Western sanctions– especially following its invasion of Ukraine.
Furthermore, Rosneft, a major Russian commodities producer, has issued RMB-denominated bonds, indicating a shift towards RBM, the Chinese currency, and a move away from Western currencies due to sanctions.
This global shift away from predominant reserve currencies is not limited to countries affected by Western sanctions. Aiming to increase the Rupee’s international use, India has secured agreements for oil purchases in Indian Rupee (INR) and trade with Malaysia in INR.
The country has also pursued creating a local currency settlement system with nine other central banks.
As more nations consider alternatives to the US dollar’s dominance, Bitcoin has emerged as a functional monetary tool that can serve as an alternative reserve asset.
Why Nations Are Turning to Bitcoin for Trade Independence
Interest in using cryptocurrency for purposes beyond international trade has also grown. In a notable development, China and Russia have reportedly settled some energy transactions using Bitcoin and other digital assets.
“Sovereign adoption of Bitcoin is accelerating this year as demand grows for neutral payments rails that can circumvent USD sanctions,” Matthew Sigel, Head of Digital Assets Research at VanEck, told BeInCrypto.
Two weeks ago, France’s Minister of Digital Affairs proposed using the surplus production of EDF, the country’s state-owned energy giant, to mine Bitcoin.
Last week, Pakistan announced similar plans to allocate part of its surplus electricity to Bitcoin mining and AI data centers.
Meanwhile, on April 10, New Hampshire’s House passed HB302, a Bitcoin reserve bill, by a 192-179 vote, sending it to the Senate. This development makes New Hampshire the fourth state, after Arizona, Texas, and Oklahoma, to have such a bill pass a legislative chamber.
If HB302 is approved by the Senate and signed into law, the state treasurer could invest up to 10% of the general fund and other authorized funds in precious metals and specific digital assets like Bitcoin.
According to industry experts, this is only the beginning.
VanEck Predicts Bitcoin to Become a Future Reserve Asset
Sigel predicts Bitcoin will become a key medium of exchange by 2025 and, ultimately, one of the world’s reserve currencies.
His forecasts suggest Bitcoin could settle 10% of global international trade and 5% of global domestic trade. This scenario would lead to central banks holding 2.5% of their assets in BTC.
According to him, China’s recent de-dollarization will prompt other nations to follow suit and lessen their reliance on the US dollar.
“China’s de-dollarization efforts are already having second- and third-order effects that create opportunities for alternative assets like Bitcoin. When the world’s second-largest economy actively reduces its exposure to US Treasuries and promotes cross-border trade in yuan or through mechanisms like the mBridge project, it signals to other nations—especially those with strained ties to the West—that the dollar is no longer the only game in town,” Sigel said.
For Zhong Yang Chan, Head of Research at CoinGecko, these efforts could prove catastrophic for the United States’ dominance.
“Broader de-dollarization efforts by China, or other major economies, will threaten the status of the dollar’s global reserve currency status. This could have [a] profound impact on the US and its economy, as this would lead to nations reducing their holdings of US treasuries, which the US relies on to finance its national debt,” he told BeInCrypto.
However, the strength of the US dollar and other dominant currencies has already shown signs of weakening.
A General Wave of Currency Decline
Sigel’s research shows that the four strongest global currencies—the US dollar, Japanese yen, British pound, and European euro—have lost value over time, particularly in cross-border payments.
The decline of these currencies creates a void where Bitcoin can gain traction as a key alternative for international trade settlements.
“This shift isn’t purely about promoting the yuan. It’s also about minimizing vulnerability to US sanctions and the politicization of payment rails like SWIFT. That opens the door for neutral, non-sovereign assets—especially those that are digitally native, decentralized, and liquid,” Sigel added.
This lack of national allegiance also sets Bitcoin apart from traditional currencies.
Bitcoin’s Appeal: A Non-Sovereign Alternative
Unlike fiat money or central bank digital currencies (CBDCs), Bitcoin doesn’t respond to any one nation, which makes it appealing to some countries.
For Terence Kwok, CEO and Founder of Humanity Protocol, recent geopolitical tensions have heightened this belief.
For these same reasons, experts don’t expect Bitcoin to replace fiat currencies fully but rather provide a vital alternative for certain cases.
A Replacement or an Alternative?
While Bitcoin offers several advantages over traditional currencies, Gate.io’s Kevin Lee doesn’t foresee its eventual adoption causing a complete overhaul of the currency reserve system.
Recent data confirms this. The number of Bitcoin transactions has fallen significantly since the last quarter of 2024. Bitcoin registered over 610,684 transactions in November, but that number dropped to 376,369 in April, according to Glassnode data.
The number of Bitcoin active addresses paints a similar picture. In December, the network had nearly 891,623 addresses. Today, that number stands at 609,614.
Bitcoin number of active addresses. Source: Glassnode.
This decline suggests reduced demand for its blockchain in terms of transactions, usage, and adoption, meaning fewer people are actively using it for transfers, business, or Bitcoin-based applications.
Meanwhile, the Bitcoin network must also ensure its infrastructure is efficient enough to meet global demand.
Can Bitcoin Scale for Global Use?
In 2018, Lightning Labs launched the Lightning Network to reduce the cost and time required for cryptocurrency transactions. Currently, the Bitcoin network can only handle around seven transactions per second, while Visa, for example, handles around 65,000.
“If expansion solutions (such as the Lightning Network) fail to become popular, Bitcoin’s ability to process only about 7 transactions per second will be difficult to support global demand. At the same time, as Bitcoin block rewards are gradually halved, the decline in miners’ income may threaten the long-term security of the network,” Guo, Director of HashKey Research explained.
While the confluence of geopolitical shifts and Bitcoin’s inherent characteristics undeniably create a space for its increased adoption as an alternative to the US dollar and even a potential reserve asset, significant hurdles remain.
Achieving mainstream Bitcoin adoption hinges on overcoming scalability, volatility, regulatory hurdles, stablecoin competition, and ensuring network security.
The unfolding panorama suggests Bitcoin will carve out an important role in the global financial system, though a complete overhaul of established norms seems unlikely in the immediate future.
