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Plume price recorded gains after Binance confirmed that the token would be featured in its HODLer Airdrops program. The news led to an 11% rally with the token now set for spot listing. Plume Price Surges Amid Binance Airdrop Announcement The Plume price has increased over 11%, jumping from $0.09 to $0.102. The move followed
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Recent analyses largely agree that retail investors have yet to return to the crypto market, even though Bitcoin has reached new all-time highs. However, there are new signs that Bitcoin’s price surge may soon lure back retail participants.
But is it wise to start buying Bitcoin now that it has entered six-figure territory? Analysts are divided on the matter.
According to Bitbo’s calculations, if a retail investor had invested $1,000 per month in Bitcoin over the past two years, they would have accumulated approximately 0.4588 BTC, yielding a 114.8% return.
This result demonstrates that Bitcoin continues to reward long-term investors. While Bitcoin’s performance may no longer match previous cycles, it still appeals to anyone looking to preserve value amid inflation concerns.
But what if this strategy starts now, with Bitcoin already priced above $100,000?
Recently, an investor named Steve—who openly admits he’s not a hardcore Bitcoin fan—announced that he would invest $1,000 per month in Bitcoin throughout Trump’s presidential term.
That amount reflects the average contribution of a retail investor. Steve’s decision raises a question: Could this signal a broader movement of retail investors preparing to flood into Bitcoin?
Jake Claver, managing director at Digital Ascension Group, believes this is the worst possible time for such a strategy.
“This is the cycle top. Might have 10% left in it before the next bear market. You should DCA at the bottom of the bear market. Buying anything other than BTC in crypto right now would be better, prior to Alt season. The rotation out of BTC has already started,” Jake Claver explained.
However, Udi Wertheimer, a well-known crypto investor on X, holds a different view. He argues that it’s not about price levels—it’s about making the right decision at the right time, even in uncertainty.
“The most expensive mistake you can make is refusing to buy Bitcoin at $120,000 because you sold it at $30,000.
Me and my friends sold all our Bitcoin at $100 and only started buying back around $500–$1,000. You think we’re losing sleep over it? Don’t be stupid. Do whatever you need to trick yourself out of that attitude. We’re going so much higher, it’s not going to matter that you missed 4x along the way,” Udi Wertheimer said.
Only time will tell whether Steve’s strategy works. However, the debates surrounding this DCA approach highlight two opposing forces in the market. One side remains cautious, anchored in past cycles. The other embraces current momentum and positive signals.
Data from CryptoQuant offers a more optimistic perspective.
A recent analysis by Joohyun Ryu on the platform suggests that Bitcoin hasn’t yet entered the euphoria stage typical of past market tops. Instead, he believes we might be in the early phase of what he calls “the last dance”—a period of strong growth before the final peak.
This view is based on the “Greed Indicator,” which is still at moderate levels, far below the peak in 2021. Ryu also points to the rHODL ratio, currently at just 32%.
“A representative example is the rHODL ratio, currently positioned at a modest 32%. This metric, traditionally indicative of long-term holder behavior and the distribution of wealth across different investor cohorts, suggests a continued reluctance among retail participants (often referred to as ‘prawns’ in market vernacular) to fully engage with the market. Historically, periods of true market euphoria have been characterized by substantial inflows from retail investors, a dynamic not yet prominently observed,” Joohyun Ryu explained.
If Ryu is correct, Steve’s decision could be smart—an effort to capitalize before Bitcoin potentially surges to new highs. What remains, however, is the crucial question: When is the right time to exit, before the next bear market sets in?
The post Is Investing $1,000/Month into Bitcoin Now a Smart Move? Analysts Weigh In appeared first on BeInCrypto.
The post What’s the Best Crypto to Buy Now? It’s Not BTC, ETH, or XRP — It’s Priced at Just $0.025 appeared first on Coinpedia Fintech News
For anyone keeping an eye on the cryptocurrency market, the usual suspects — Bitcoin, Ethereum, XRP — have long dominated headlines. But right now, a much lesser-known token is gaining serious traction among early buyers, and it’s still trading at just $0.025. That token is Mutuum Finance (MUTM), and it’s starting to make waves not because of hype, but because of what it actually offers.
While legacy coins remain essential for many portfolios, those searching for the best cryptocurrency to invest in right now are beginning to turn their attention to utility-first, yield-driven protocols. And Mutuum Finance fits that bill better than most.
Unlike many DeFi projects that rely on inflated narratives, Mutuum is building out a real system with practical mechanics designed to bring value to lenders, borrowers, and token holders alike. At its core, Mutuum operates as a decentralized protocol that allows users to deposit digital assets, earn interest, and borrow against their holdings — all through fully non-custodial smart contracts.
But what sets it apart isn’t just the lending feature. It’s the infrastructure behind it.
Mutuum is preparing to roll out on a Layer 2 blockchain, which gives it a major edge in speed and cost efficiency. By leveraging scalability solutions like Arbitrum, it drastically reduces gas fees and enhances transaction throughput — two areas that traditional Ethereum-based platforms still struggle with. This alone positions it ahead of many existing DeFi alternatives.
As liquidity flows into Layer 2 ecosystems, projects like Mutuum that are already built for this environment will benefit the most. It’s part of what’s making analysts consider it the next big crypto to explode — not because it’s riding a trend, but because it’s designed for where the space is going.
What makes MUTM even more appealing is how the ecosystem rewards participation. Every deposit into the protocol generates mtTokens — digital receipts that represent your deposited asset plus interest accrued. These tokens grow in value over time and can even be used across DeFi, providing both flexibility and passive income potential.
In addition, Mutuum’s revenue model is built to reward long-term holders. A share of the platform’s revenue is allocated to buying MUTM tokens on the open market, which are then distributed to users who hold and stake mtTokens. That means users who engage with the protocol aren’t just earning interest — they’re also gaining additional exposure to token buybacks.
With this kind of self-sustaining incentive structure, the project isn’t just another liquidity farm — it’s shaping up to be one of the smartest cryptocurrency investments currently available at this price level.
Timing is everything in crypto. Right now, Mutuum Finance is deep into its presale, and the numbers speak for themselves: more than $7.77 million raised, over 9,550 holders, and 65% of Phase 4 already completed. The token remains available at $0.025 for now, though that price point is set to rise soon.
Once this round wraps up, the price moves to $0.03 — and from there, it’s a steady climb to the official launch price of $0.06. That marks a 140% gain from today’s level, without even factoring in post-launch demand.
There’s still room to get in early, but that window is closing quickly. For those searching for the next cryptocurrency to explode, Mutuum offers a compelling entry backed by strong fundamentals, real yield mechanics, and a clear roadmap.
Mutuum isn’t chasing short-term hype. Its upcoming platform launch includes a beta version with full functionality for lending, borrowing, and stablecoin integration. All transactions will be executed through audited smart contracts, adding a layer of trust as the ecosystem expands. And with a native stablecoin in development — one backed by on-chain collateral and integrated into the lending protocol — the use cases go beyond speculation.
This forward-thinking design, paired with Layer 2 compatibility and a transparent economic model, explains why some investors now view MUTM as one of the best crypto assets to hold through 2025 and beyond.
If you’ve been waiting for a chance to get into a project early — before the noise, before the big listings, and before the wider market takes notice — this might be it. While Bitcoin and Ethereum remain solid long-term bets, Mutuum Finance is offering something different: a blend of passive yield, scalability, and real on-chain utility, all priced at $0.025.
In a market full of recycled ideas, Mutuum’s approach feels fresh and grounded. And for those looking to diversify into emerging cryptocurrencies with growth potential, it’s one of the most promising options available right now.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance
The post What’s the Best Crypto to Buy Now? It’s Not BTC, ETH, or XRP — It’s Priced at Just $0.025 appeared first on Coinpedia Fintech News
For anyone keeping an eye on the cryptocurrency market, the usual suspects — Bitcoin, Ethereum, XRP — have long dominated headlines. But right now, a much lesser-known token is gaining serious traction among early buyers, and it’s still trading at just $0.025. That token is Mutuum Finance (MUTM), and it’s starting to make waves not …
US Senator Cynthia Lummis has sharply criticized the Federal Reserve’s recent move to withdraw guidance on cryptocurrency activities. She argued that the decision does not represent genuine progress for the digital asset industry and raised concerns about the ongoing regulatory challenges facing crypto companies.
Lummis, a staunch advocate for cryptocurrency, believes that the Federal Reserve’s actions will continue to stifle innovation and create unnecessary hurdles for businesses in the space.
Senator Cynthia Lummis took to X (formerly Twitter) to express her dissatisfaction with the Federal Reserve’s decision to rescind certain supervisory guidance regarding cryptocurrency activities. She emphasized that despite the Fed’s actions, the core issues facing the crypto industry remain unresolved.
“The Fed withdrawing crypto guidance is just noise, not real progress,” Lummis said. “We are NOT fooled.” According to Lummis, the Fed’s withdrawal of guidance is not a real step forward and fails to address the underlying problems. In a further statement, Lummis said,
“I will continue to hold the Fed accountable until the digital asset industry gets more than a life jacket, Chair Powell—they need a fair shake.”
Cynthia Lummis also criticized the Federal Reserve for undermining the digital asset industry with previous regulatory actions. She pointed out that the Fed’s stance had led to the closure of crypto businesses and hampered innovation. In her view, the Fed’s policies have done significant harm to American interests by preventing the crypto industry from reaching its full potential.
The decision by the Federal Reserve to withdraw certain supervisory letters represents a new direction in handling of the cryptocurrency industry. These letters had earlier requested banks to obtain prior permission when they intended to undertake activities concerning stablecoins and other cryptocurrencies.
By withdrawing this guidance the Fed follows similar tendencies of other regulators, including the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) who have also shifted to more lenient approach to banking services related to crypto.
Despite these changes, Caitlin Long, founder of Custodia Bank, like Cynthia Lummis, has raised concerns about the Federal Reserve’s continued stance on digital assets. According to Long, the Fed had not withdrawn its guidelines published back in January 2023 that stated that Bitcoin and other cryptocurrencies remained “unsafe and unsound.”
Senator Cynthia Lummis also pointed out the negligence of the Federal Reserve in not addressing the concerns of master accounts, allegedly used illegally to limit banking services for crypto enterprises.
The Fed’s noncompliance with the law of master accounts has not been well received by Lummis and other members of the crypto community. In her opinion, this still keeps the crypto companies from being on the same level as normal traditional firms. Master accounts are necessary for banks to receive specific services from the Fed, and Lummis says that this constitutes unequal treatment of crypto.
She appealed to the Federal Reserve to cease employing reputation risk as the guiding principle for crypto activities, and its detrimental effect on innovation. According to Lummis, despite the swearing in of a new US SEC Chair, the Fed is stifling the growth of the crypto industry by not allowing broad access to these accounts.
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