The crypto industry has been on fire in the last few days. It has seen Bitcoin rise to a new monthly high, with altcoins riding the wave. June feels like a massive revival for the crypto sector, providing a chance for those who missed the wave in May to make their profits.
However, smart investors know the real gains are not in large-cap coins. Instead, the best way to ride this wave is to invest in small-cap coins and watch your investment grow by 3,000%. One such project to consider in this bull cycle is Mutuum Finance (MUTM). Let us learn more about the most promising projects of June 2025.
Polygon (POL)
Polygon has struggled since it made the decision to rebrand from MATIC to POL. Since that time, it has struggled to regain the trust of its community. However, it is still a respectable name in the layer 2 scaling industry.
POL has struggled in the past month, falling over 14%. Some analysts are expecting the price to drop even lower, and they are seeking a perfect entry. One of the reasons why POL made it into this list is that it is one of the veteran networks of the crypto industry, and is a great bargain under $1. However, the gains are not expected to be as massive as those of Mutuum Finance (MUTM).
Solana (SOL)
Solana (SOL) has experienced some exceptional growth in recent years. Today, it is one of the biggest ecosystems for meme coins. It is fast, and transactions are extremely cheap. Additionally, it has a huge online following.
A major downside of this project is that it is extremely centralized. Besides that, the SOL coin has struggled to find growth in recent months. For instance, it has fallen nearly 50% since its January all-time high. While it could experience some growth going forward, investors should not hold their breath for double-digit gains as with Mutuum Finance (MUTM).
Mutuum Finance (MUTM): A Growth-Oriented Behemoth
Mutuum Finance (MUTM) is designed to deliver strong growth by expanding its user base and strengthening its ecosystem. The project has already attracted a community of more than 20,000 followers across social platforms, including over 10,500 on X alone.
One of the basic ingredients for a successful project is a massive initial user base, which Mutuum Finance (MUTM) has secured. The other requirement is often innovative product design, which Mutuum Finance (MUTM) has flawlessly achieved.
Protocol Design
The Mutuum Finance protocol is built as a decentralized, non-custodial protocol where users can participate as lenders, borrowers, or liquidators. When participating as lenders, users deposit their assets in a liquidity pool and earn passive income via interest. The interest rate in each pool is based on a pool’s utilization rate.
The pool design is meant to dynamically increase and reduce the interest rate for lenders and borrowers to ensure a system that achieves optimal capital efficiency. When the interest rate rises, it encourages borrowers to pay back their loans, while lenders are attracted to the pool due to higher yields. That boosts the liquidity in the pool while lowering the interest.
Liquidations And Over-collateralization
To protect the protocol’s solvency, the team has set strict parameters for overcollateralization. This is a recognition that the market price of crypto fluctuates often. As such, they provide for a headroom and incentives to ensure the protocol is safe during extreme market movements.
If the value of collateral falls below a defined threshold, then a portion of that collateral is liquidated. A liquidator is incentivized using a liquidation bonus to purchase the collateral, thereby eliminating the possibility of bad debt from the ecosystem.
Deposit And Borrow Caps
The protocol comes with deposit and borrowing caps meant to protect its long-term health. A deposit cap is the maximum amount of an asset that can be added to the Mutuum Finance (MUTM) ecosystem. It ensures that the overall ecosystem does not have too much exposure to an asset with high volatility. At the same time, it provides protection from unlimited asset minting. The deposit cap is set by checking the on-chain volume, the price volatility, and the historical performance.
The borrow cap is the limit on how much of a given asset can be borrowed from the Mutuum Finance ecosystem. This limitation is especially important for tokens that show signs of price manipulation. By restricting how much they can borrow, it reduces the possibility of insolvency due to price manipulation.
MUTM Token Presale
Mutuum Finance (MUTM) is currently in the token presale stage. So far, over $10.55 million has been raised in the ongoing presale from around 12,000 unique buyers. The presale is currently in phase 5, where tokens are priced at $0.03, a 200% increase from the phase 1 price of $0.01. In the upcoming phase 6, the token price is set to go up by 16.67% to $0.035.
Mutuum Finance (MUTM) is an exciting crypto project that aims to transform the DeFi sector. At the current low price of $0.03 per token, this could be one of your biggest bargains of 2025.
For more information about Mutuum Finance (MUTM), visit the links below:
President Donald Trump is set to speak at the Digital Asset Summit (DAS) in New York on March 20.
This is the first time a sitting US president will participate in a crypto conference.
Donald Trump to Make Historic Appearance at the Digital Asset Summit
Earlier this month, Donald Trump hosted the first-ever White House Crypto Summit. Although the community wasn’t particularly happy with the developments at the summit, it gave several significant updates on the US Bitcoin Reserve and the government’s current regulatory stance.
Reports indicate that Trump’s appearance may not be live. Some sources suggest he could deliver a pre-recorded message instead.
Either way, this marks the first time an active US president is set to formally address a crypto conference.
“Got some clarity on this — multiple sources on the ground at the DAS Conference tell me President Trump is/was planning to livestream into the conference at some point today or tomorrow to address the crowd. I’m told this may yet happen but could also be done via a taped recoding,” wrote Eleanor Terrett.
The summit will also feature key lawmakers, including Representatives Ro Khanna and Tom Emmer, alongside industry leaders such as MicroStrategy’s Michael Saylor and Ripple CEO Brad Garlinghouse.
The crypto market has shown signs of recovery this week. Earlier today, the Feds announced that it won’t hold any rate cuts currently. Yet, two more rate cuts are planned for later this year.
Trump’s address at DAS could have further implications. If he signals a more favorable regulatory approach to digital assets, the market could respond positively.
Analysts are spotlighting Mutuum Finance (MUTM) as the best crypto to buy now, outshining Dogecoin (DOGE) with its robust DeFi framework. Currently in phase 5 of its 11-phase presale, Mutuum Finance (MUTM) trades at $0.03, a 200% jump from its opening phase at $0.01.
The project has raised $10,100,000, sold over 530 million tokens, and attracted 11,700 holders since the presale began.
With a guaranteed 100% ROI at its $0.06 launch price, Mutuum Finance (MUTM) offers a compelling entry point. Its innovative lending model and transparent operations signal strong potential.
Dogecoin (DOGE), meanwhile, struggles with volatility, making Mutuum Finance (MUTM) a standout choice. This momentum flows into its unique DeFi approach.
Mutuum Finance (MUTM) Redefines DeFi
Mutuum Finance (MUTM) is reshaping crypto investment with its dual lending system. Its peer-to-contract model lets users deposit stablecoins into smart contract pools, earning passive income through automated interest rates.
Conversely, the peer-to-peer model fosters direct lending relationships, offering flexibility and transparency. Users negotiate terms, creating tailored agreements that enhance control.
Mutuum Finance (MUTM) has finalized a Certik audit, scoring a solid 80.00 for security. No vulnerabilities appeared in its smart contracts, and no incidents occurred in the past 90 days.
Active monitoring and moderate social media engagement bolster trust. This strong foundation transitions smoothly into its promising presale performance.
Presale Powerhouse Gains Traction
Mutuum Finance (MUTM) is surging through phase 5 of its presale, priced at $0.03. Investors joining now secure a 100% ROI at the $0.06 launch price.
Phase 6 looms, bringing a 16.7% price hike to $0.035, offering early buyers immediate gains. Analysts predict a post-launch value of $2.50, a 8,233% increase from the current price, driven by its DeFi utility.
The project rewards top holders through a new dashboard, granting bonus tokens to the top 50 for maintaining their positions.
Mutuum Finance (MUTM) also excites with a $100,000 giveaway, splitting $10,000 among 10 winners. Eligible investors need a $50 presale investment. This vibrant momentum leads to its innovative stablecoin strategy.
Stablecoin and Scalability Edge
Mutuum Finance (MUTM) is launching a USD-pegged stablecoin on Ethereum, backed by on-chain reserves for stability. This overcollateralized system minimizes risks, appealing to cautious investors.
Revenue from stablecoin borrowing fuels the treasury, supporting development and token buybacks. These buybacks redistribute tokens to stakers, sustaining demand and value.
Layer-2 integration ensures fast, low-cost transactions, addressing crypto prices today concerns like high fees. Unlike Dogecoin (DOGE), which relies on social media hype, Mutuum Finance (MUTM) offers tangible utility.
Its beta platform launches alongside the token, enabling immediate asset deposits and interest earnings. This practical approach contrasts sharply with Dogecoin’s volatility, as explored next.
Dogecoin (DOGE) Faces Uncertainty
Dogecoin (DOGE) grapples with unpredictable crypto prices, trading at $0.204 after an 11% drop. Heavy whale selling and $21 million in liquidations signal bearish trends.
Technical charts show a bearish crossover, with $0.17 as the next support level. Dogecoin (DOGE) lacks the utility driving Mutuum Finance (MUTM), relying on speculative sentiment.
Its crypto charts reflect declining transaction volumes and futures interest, dimming its $1 target hopes in 2025. Investors seeking stability find Mutuum Finance (MUTM) more appealing, with its structured growth and DeFi focus.
This contrast underscores why Mutuum Finance (MUTM) leads as the best crypto to buy now.
Path to Profitable Horizons
Mutuum Finance (MUTM) shines as the best crypto to buy now, blending affordability with high-yield potential. Its phase 5 presale at $0.03 offers a rare entry point before the $0.06 launch.
Analysts forecast a $2.50 post-launch value, promising substantial returns. Unlike Dogecoin (DOGE), Mutuum Finance (MUTM) delivers real-world DeFi solutions, backed by a secure, audited platform.
Investors can join the presale and explore the $100,000 giveaway for added rewards.
For more information about Mutuum Finance (MUTM) visit the links below:
The post Analysts Say This New Crypto Is The Best Risk-To-Reward Play Over Dogecoin (DOGE) appeared first on Coinpedia Fintech News
Analysts are spotlighting Mutuum Finance (MUTM) as the best crypto to buy now, outshining Dogecoin (DOGE) with its robust DeFi framework. Currently in phase 5 of its 11-phase presale, Mutuum Finance (MUTM) trades at $0.03, a 200% jump from its opening phase at $0.01. The project has raised $10,100,000, sold over 530 million tokens, and …
Regulatory sandboxes have emerged as a concept to drive innovation in a controlled setting. They allow companies to test new crypto products and services while regulators observe and adapt regulations. While jurisdictions like the UK, the UAE, and Singapore have already created sandboxes, the US has yet to create one at the federal level.
BeInCrypto spoke with representatives of OilXCoin and Asset Token Ventures LLC to understand what the US needs to build a federal regulatory sandbox and how it can unify a fragmented testing environment for innovators.
A Patchwork Approach
As the name suggests, regulatory sandboxes have emerged as a tool for providing a controlled testing ground. This environment allows entrepreneurs, businesses, industry leaders, and lawmakers to interact with new and innovative products.
According to the Institute for Reforming Government, 14 states in the United States currently have regulatory sandboxes for fintech innovation.
Of those, 11 are industry-specific and cover other sectors like artificial intelligence, real estate, insurance, child care, healthcare, and education.
Utah, Arizona, and Kentucky are the only jurisdictions among these states with an all-inclusive sandbox. Meanwhile, all but 12 states are currently considering legislation to create some regulatory sandbox for innovation.
Due to its relatively short existence, the crypto market has underdeveloped legislation. While state-level sandboxes enable innovators to demonstrate their products’ capabilities to the public, they are significantly constrained by the lack of federal regulatory sandboxes.
The Need for Federal Oversight
Though statewide efforts to create regulatory sandboxes are vital for innovation, entrepreneurs and businesses still face constraints in developing across borders or reaching an audience at a national level.
Rapid advancements in fields like blockchain and artificial intelligence (AI) add a particular layer of uncertainty, given that existing legal frameworks may not be well-suited to these technologies.
At the same time, regulators may face difficulties in developing appropriate rules for these technologies due to a potential lack of familiarity with these constantly changing industries.
As a result, industry participants are increasingly calling for creating a federal regulatory sandbox. This environment could be a collaborative framework to address the gap, facilitating communication and knowledge sharing between regulators and industry stakeholders.
“The implementation of a federal regulatory sandbox in the United States has the potential to significantly enhance both innovation and regulatory oversight by reducing the uncertainties often associated with navigating the regulatory landscape across state lines. Such an initiative could help establish a coherent framework characterized by uniformity, continuity, and a conducive environment for innovation,” said Paul Talbert, Managing Director of ATV Fund.
According to Rademacher and Talbert, this proposal would meet the needs of all players involved.
Benefits of a Federal Regulatory Sandbox
A sandbox provides innovators with a controlled environment to test products under regulatory oversight without the immediate burden of full compliance with rules that may not yet fit their technology.
It also allows regulators to acquire firsthand insights into blockchain applications, facilitating the creation of more knowledgeable and flexible regulatory policies.
“Startups should have clear eligibility criteria to determine their qualification for participation, while regulators must outline specific objectives—whether focused on refining token classification frameworks, testing DeFi applications, or improving compliance processes,” Rademacher said.
It could also help the United States reinforce its position as a leader in technological innovation.
“By fostering innovation through simplicity, regulatory certainty, and conducive environments, the United States can significantly strengthen its competitive position in the global fintech landscape,” Talbert added.
While the United States has stalled in creating a federal framework for fintech innovation, other jurisdictions around the world have already gained significant ground in this regard.
Global Precedents
The Financial Conduct Authority (FCA), which regulates the United Kingdom’s financial services, launched the first regulatory sandbox in 2014 as part of Project Innovate. This initiative aimed to provide a controlled environment for testing innovative products.
The government asked the FCA to establish a regulatory process to promote new technology-based financial services and fintech and ensure consumer protection.
The United Arab Emirates (UAE) and Singapore, in particular, have made progressive strides in creating federal regulatory sandboxes.
The UAE, for example, currently has four different sandboxes: the Abu Dhabi Global Market (ADGM) Regulation Lab, the DSFA Sandbox, the CBUAE FinTech Sandbox, and the DFF Regulation Lab.
Their focus areas include digital banking, blockchain, payment systems, AI, and autonomous transport.
Meanwhile, the Monetary Authority of Singapore (MAS) launched its Fintech Regulatory Sandbox in 2016. Three years later, MAS also launched the Sandbox Express, providing firms with a faster option for market testing certain low-risk activities in pre-defined environments.
“The success of regulatory sandboxes in jurisdictions such as the United Kingdom, Singapore, and the United Arab Emirates has highlighted the importance of key attributes: regulatory collaboration, transparent processes, continuous monitoring, and the allocation of dedicated resources. As a result, a growing number of jurisdictions worldwide are looking to replicate the frameworks established by these pioneering countries to strengthen their competitive position in the global fintech landscape,” Talbert said.
Rademacher believes these jurisdictions’ innovations should prompt the United States to accelerate its progress.
For that to happen, the United States must overcome certain hurdles.
Challenges of a Fragmented US Regulatory Landscape
A fragmented network of federal and state agencies overseeing financial services presents a key challenge to establishing a US federal regulatory sandbox.
“Unlike other countries with a single financial authority overseeing the market, the U.S. has multiple agencies—including the SEC, CFTC, and banking regulators—each with different perspectives on how digital assets should be classified and regulated. The lack of inter-agency coordination makes implementing a unified sandbox more complex than in jurisdictions with a single regulatory body,” Rademacher told BeInCrypto.
Yet, in recent years, important SEC and CFTC actors have expressed interest in adopting a more favorable regulatory approach to innovation.
“Even though I tend to be more of a beach than a sandbox type of regulator, sandboxes have proven effective in facilitating innovation in highly regulated sectors. Experience in the UK and elsewhere has shown that sandboxes can help innovators try out their innovations under real-world conditions. A sandbox can provide a viable path for smaller, disruptive firms to enter highly regulated markets to compete with larger incumbent firms,” Peirce said in a statement last May.
However, the full scope of national regulations far exceeds the authority of these two entities.
Congressional and Constitutional Hurdles
Any legislative measure to develop a federal regulatory framework for sandboxes in the United States would have to undergo Congressional approval. Talbert highlighted several potential constitutional dilemmas the promotion of an initiative of this nature may face.
“These dilemmas include issues related to the non-delegation doctrine, which raises concerns about the constitutionality of delegating legislative power; equal protection considerations under the Fifth Amendment’s Due Process Clause; challenges arising from the Supremacy Clause; and implications under the Administrative Procedure Act (APA) and principles of judicial review,” he said.
To address these complexities, Congress must enact clear legal boundaries that ensure a regulatory framework is both predictable and open. Given the current administration’s emphasis on technological innovation, the prospects for creating a sandbox appear positive.
“Given the current composition of Congress, which aligns with the political orientation of the new executive branch, there may be a timely opportunity for regulatory reform. Such reform could facilitate the creation of a cohesive federal regulatory framework and enhance collaboration among federal agencies,” Talbert told BeInCrypto.
However, creating a federal regulatory sandbox is not a one-size-fits-all solution.
Balancing State Autonomy and Federal Regulations
State autonomy is enshrined in the US Constitution. This protection means that, even though a regulatory sandbox may exist at the national level, individual states still have the authority to restrict or prohibit sandboxes within their jurisdictions.
Encouragingly, most US states are already exploring regulatory sandboxes, and the states that have already implemented them represent diverse political viewpoints.
However, other considerations beyond political resistance must also be addressed.
“A federal regulatory sandbox might also face opposition from established financial institutions, including banks, which may perceive potential threats to their existing business models. Furthermore, federal budgetary constraints could impede the government’s capacity to support the development and maintenance of a federal regulatory framework,” Talbert added.
Effective federal regulations will also require a balance between businesses’ concerns and regulators’ responsibilities.
“The two biggest risks are overregulation—imposing excessive restrictions that undermine the sandbox’s purpose—or underregulation, failing to provide meaningful clarity. If the rules are too restrictive, businesses may avoid participation, limiting the sandbox’s effectiveness. If they are too lax, there is a risk of abuse or regulatory arbitrage. A well-executed federal regulatory sandbox should not become a bureaucratic burden but rather a dynamic framework that fosters responsible growth in the digital asset space,” Rademacher told BeInCrypto.
Ultimately, the best approach will require coordination from different governing bodies, industry stakeholders, and bipartisan collaboration.
Fostering Collaboration for a Successful Sandbox
Due to recent strained communication between tech and federal agencies, Rademacher believes fostering a cooperative atmosphere is essential for creating a functional federal sandbox.
“The approach must be collaborative rather than adversarial. Agencies should view the sandbox as an opportunity to refine regulations in real time, working alongside industry participants to develop policies that foster responsible innovation. Involvement from banking regulators and the Treasury Department could also be valuable in ensuring that digital assets are integrated into the broader financial system in a responsible manner,” he said.
Achieving this requires a bipartisan approach to harmonizing regulatory goals and setting clear boundaries. Industry collaboration with lawmakers and regulators is vital to showing how a sandbox can promote responsible innovation while safeguarding consumers.
“Its success will ultimately depend on whether it serves as a bridge between innovation and regulation, rather than an additional layer of complexity,” Rademacher concluded.
