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The post Which Crypto to Buy for an Ideal Portfolio, $0.035 Crypto Is Designed to Match XRP’s Run appeared first on Coinpedia Fintech News Investors today are looking for crypto assets that deliver strong growth with real utility. Mutuum Finance (MUTM) is designed to answer that need. Unlike speculative tokens, MUTM will provide a full ecosystem for decentralized finance. Its dual-lending platform will let users lend, borrow, and stake with confidence. Phase 6 is already 95% sold out, yet …The post Which Crypto to Buy for an Ideal Portfolio, $0.035 Crypto Is Designed to Match XRP’s Run appeared first on Coinpedia Fintech News Investors today are looking for crypto assets that deliver strong growth with real utility. Mutuum Finance (MUTM) is designed to answer that need. Unlike speculative tokens, MUTM will provide a full ecosystem for decentralized finance. Its dual-lending platform will let users lend, borrow, and stake with confidence. Phase 6 is already 95% sold out, yet …

Which Crypto to Buy for an Ideal Portfolio, $0.035 Crypto Is Designed to Match XRP’s Run

Author: CoinPedia

Source: CoinPedia

2025/11/25 20:59

5 min read

XRP$1,4186-4,70%

REAL$0,05301-1,63%

The post Which Crypto to Buy for an Ideal Portfolio, $0.035 Crypto Is Designed to Match XRP’s Run appeared first on Coinpedia Fintech News

Investors today are looking for crypto assets that deliver strong growth with real utility. Mutuum Finance (MUTM) is designed to answer that need. Unlike speculative tokens, MUTM will provide a full ecosystem for decentralized finance. Its dual-lending platform will let users lend, borrow, and stake with confidence. Phase 6 is already 95% sold out, yet investors still have a chance to buy MUTM at $0.035 before the Phase 7 price increases to $0.040, a 15% rise. Early buyers will benefit from both growth and platform activity. Analysts are already watching MUTM for its unique demand-driven design.

Ripple (XRP)

Amplify ETFs has introduced the XRPM ETF, aiming to generate a 3% monthly income through options on XRP while still tracking XRP’s price performance. Despite this development, market pressure is intensifying. Over the past 24 hours, XRP saw $41.29 million in liquidations, contributing to more than $1.03 billion wiped out across crypto. Additionally, after the XRP spot ETF launched on November 13, investment products recorded a $15.5 million outflow—its largest since 2023—following an initial $243 million surge. If selling continues, XRP risks dropping below $2.10, with the next bearish targets hovering near $1.95 and $1.82.

XRP has attracted attention for quick price moves, yet it lacks a full DeFi utility layer. Its primary function is as a payment token. Investors seeking portfolio growth often face volatility and limited real-world usage with XRP. Mutuum Finance (MUTM) will overcome these gaps. Its dual-lending model ensures liquidity for mainstream assets like ETH and USDT while providing P2P lending for higher-risk or niche tokens. Unlike XRP, MUTM’s demand will grow from active borrowing, lending, and staking. Crypto predictions for MUTM will focus on its ecosystem-driven demand rather than speculative hype. Early adopters will have the opportunity to enjoy gains that echo XRP’s historic runs while benefiting from actual platform utility.

Presale Insights, Lending Models and System Safety

Mutuum Finance (MUTM) will have a total supply of four billion tokens. Across all presale phases, the project has raised approximately $18.95 million and current investors number over 18,200 holders. Card purchases now give instant access with no limits, making participation seamless. Phase 6 will close soon, and in the next phase price will increase to $0.040. Investors who bought $5,000 in Phase 1 now see that holdings reach $17,500 today in value and project $52,500 at a future $0.35 price, highlighting the significant growth potential of early adoption. This structured presale creates a demand-driven environment for MUTM.

The dual-lending platform will include P2C, Peer-to-Contract lending, which uses smart contract pools to manage mainstream assets like ETH and USDT. Interest and collateral management will be automated to protect liquidity. P2P, Peer-to-Peer lending, will allow direct agreements for riskier or niche tokens, isolated from main pools.

All loans will be over-collateralized. The platform will use a Stability Factor to measure security versus borrowed amounts. Collateral falling below thresholds will trigger automatic liquidations. Liquidators will repurchase debt at a discount, protecting system stability. On-chain liquidity will ensure distressed positions close with minimal slippage. Loan-to-value ratios will vary based on asset risk. Stablecoins and ETH will have up to 95% LTV with a 95% liquidation threshold, while more volatile tokens will maintain up to 95% LTV at similar thresholds. Reserve factors from 10% to 55% will protect liquidity and encourage broader participation.

Borrowers will have the option to lock in stable rates, ensuring predictable repayment costs. Rates will start as a weighted average of current variable rates plus market indicators. A slightly higher initial rate will protect liquidity while maintaining accessibility. If market conditions shift, rates will rebalance automatically, protecting the protocol. Only liquid and less-volatile assets will be eligible, keeping high-risk tokens separate from the core system.

Driving Demand Through Activity

Mutuum Finance (MUTM) revealed on its official X profile that the V1 of its protocol is set to launch on the Sepolia Testnet in Q4 2025. This first iteration will activate the platform’s foundational modules, such as the liquidity pool, the mtToken and debt token systems, and an automated liquidation bot designed to maintain system safety and ensure efficient operations. In this phase, users will be able to borrow, lend, and secure their positions using ETH or USDT as collateral.

Introducing V1 through a testnet launch gives the community early access to the protocol’s core functions before the mainnet goes live. This phased rollout promotes transparency, encourages user involvement, and provides valuable insights that will guide further enhancements. As more participants experiment with the testnet features and awareness grows, interest in the ecosystem may expand, contributing to long-term demand for the MUTM token.

Additionally, Mutuum Finance (MUTM) will derive value from real activity rather than speculation. Its over-collateralized $1 stablecoin will be minted only against approved collateral like ETH, SOL, or AVAX and burned after repayment. Each transaction will generate token usage, creating predictable flows across the ecosystem. Borrowers, lenders, and stakers will drive demand at every level, ensuring MUTM will be continuously active.

Conclusion: Last Chance to Join

For further growth of the community, incentives include an ongoing $100,000 giveaway with 10 winners receiving $10,000 in MUTMs each. Daily leaderboards award $500 MUTM to the top investor, and the dashboard will allow tracking of holdings, ROI, and top 50 leaderboard rewards.

Phase 6 is almost sold out, and Phase 7 will increase the price by 15% to $0.040. Investors will have one last chance to acquire Mutuum Finance (MUTM) at $0.035. With XRP-like growth potential, real DeFi utility, staking rewards, buybacks, and a robust stablecoin, early adopters will position themselves for significant portfolio gains. Mutuum Finance (MUTM) will be a token that combines future demand, active utility, and a strong ecosystem, making it one of the best cryptos to buy now.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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XRP Price(XRP)

$1,4183

$1,4183$1,4183

-3,94%

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The gaming industry is in the midst of a historic shift, driven by the rise of Web3. Unlike traditional games, where developers and publishers control assets and dictate in-game economies, Web3 gaming empowers players with ownership and influence. Built on blockchain technology, these ecosystems are decentralized by design, enabling true digital asset ownership, transparent economies, and a future where players help shape the games they play. However, as Web3 gaming grows, security becomes a focal point. The range of security concerns, from hacking to asset theft to vulnerabilities in smart contracts, is a significant issue that will undermine or erode trust in this ecosystem, limiting or stopping adoption. Blockchain technology could be used to create security processes around secure, transparent, and fair Web3 gaming ecosystems. We will explore how security is increasing within gaming ecosystems, which challenges are being overcome, and what the future of security looks like. Why is Security Important in Web3 Gaming? Web3 gaming differs from traditional gaming in that players engage with both the game and assets with real value attached. Players own in-game assets that exist as tokens or NFTs (Non-Fungible Tokens), and can trade and sell them. These game assets usually represent significant financial value, meaning security failure could represent real monetary loss. In essence, without security, the promises of owning “something” in Web3, decentralized economies within games, and all that comes with the term “fair” gameplay can easily be eroded by fraud, hacking, and exploitation. This is precisely why the uniqueness of blockchain should be emphasized in securing Web3 gaming. How Blockchain Ensures Security in Web3 Gaming?

Immutable Ownership of Assets Blockchain records can be manipulated by anyone. If a player owns a sword, skin, or plot of land as an NFT, it is verifiably in their ownership, and it cannot be altered or deleted by the developer or even hacked. This has created a proven track record of ownership, providing control back to the players, unlike any centralised gaming platform where assets can be revoked.
Decentralized Infrastructure Blockchain networks also have a distributed architecture where game data is stored in a worldwide network of nodes, making them much less susceptible to centralised points of failure and attacks. This decentralised approach makes it exponentially more difficult to hijack systems or even shut off the game’s economy.
Secure Transactions with Cryptography Whether a player buys an NFT or trades their in-game tokens for other items or tokens, the transactions are enforced by cryptographic algorithms, ensuring secure, verifiable, and irreversible transactions and eliminating the risks of double-spending or fraudulent trades.
Smart Contract Automation Smart contracts automate the enforcement of game rules and players’ economic exchanges for the developer, eliminating the need for intermediaries or middlemen, and trust for the developer. For example, if a player completes a quest that promises a reward, the smart contract will execute and distribute what was promised.
Anti-Cheating and Fair Gameplay The naturally transparent nature of blockchain makes it extremely simple for anyone to examine a specific instance of gameplay and verify the economic outcomes from that play. Furthermore, multi-player games that enforce smart contracts on things like loot sharing or win sharing can automate and measure trustlessness and avoid cheating, manipulations, and fraud by developers.
Cross-Platform Security Many Web3 games feature asset interoperability across platforms. This interoperability is made viable by blockchain, which guarantees ownership is maintained whenever assets transition from one game or marketplace to another, thereby offering protection to players who rely on transfers for security against fraud. Key Security Dangers in Web3 Gaming Although blockchain provides sound first principles of security, the Web3 gaming ecosystem is susceptible to threats. Some of the most serious threats include:

Smart Contract Vulnerabilities: Smart contracts that are poorly written or lack auditing will leave openings for exploitation and thereby result in asset loss. Phishing Attacks: Unintentionally exposing or revealing private keys or signing transactions that are not possible to reverse, under the assumption they were genuine transaction requests. Bridge Hacks: Cross-chain bridges, which allow players to move their assets between their respective blockchains, continually face hacks, requiring vigilance from players and developers. Scams and Rug Pulls: Rug pulls occur when a game project raises money and leaves, leaving player assets worthless. Regulatory Ambiguity: Global regulations remain unclear; risks exist for players and developers alike. While blockchain alone won’t resolve every issue, it remediates the responsibility of the first principles, more so when joined by processes such as auditing, education, and the right governance, which can improve their contribution to the security landscapes in game ecosystems. Real Life Examples of Blockchain Security in Web3 Gaming Axie Infinity (Ronin Hack): The Axie Infinity game and several projects suffered one of the biggest hacks thus far on its Ronin bridge; however, it demonstrated the effectiveness of multi-sig security and the effective utilization of decentralization. The industry benefited through learning and reflection, thus, as projects have implemented changes to reduce the risks of future hacks or misappropriation. Immutable X: This Ethereum scaling solution aims to ensure secure NFT transactions for gaming, allowing players to trade an asset without the burden of exorbitant fees and fears of being a victim of fraud. Enjin: Enjin is providing a trusted infrastructure for Web3 games, offering secure NFT creation and transfer while reiterating that ownership and an asset securely belong to the player. These examples indubitably illustrate that despite challenges to overcome, blockchain remains the foundational layer on which to build more secure Web3 gaming environments. Benefits of Blockchain Security for Players and Developers For Players: Confidence in true ownership of assets Transparency in in-game economies Protection against nefarious trades/scams For Developers: More trust between players and the platform Less reliance on centralized infrastructure Ability to attract wealth and players based on provable fairness By incorporating blockchain security within the mechanics of game design, developers can create and enforce resilient ecosystems where players feel reassured in investing time, money, and ownership within virtual worlds. The Future of Secure Web3 Gaming Ecosystems As the wisdom of blockchain technology and industry knowledge improves, the future for secure Web3 gaming looks bright. New growing trends include: Zero-Knowledge Proofs (ZKPs): A new wave of protocols that enable private transactions and secure smart contracts while managing user privacy with an element of transparency. Decentralized Identity Solutions (DID): Helping players control their identities and decrease account theft risks. AI-Enhanced Security: Identifying irregularities in user interactions by sampling pattern anomalies to avert hacks and fraud by time-stamping critical events. Interoperable Security Standards: Allowing secured and seamless asset transfers across blockchains and games. With these innovations, blockchain will not only secure gaming assets but also enhance the overall trust and longevity of Web3 gaming ecosystems. Conclusion Blockchain is more than a buzzword in Web3; it is the only way to host security, fairness, and transparency. With blockchain, players confirm immutable ownership of digital assets, there is a decentralized infrastructure, and finally, it supports smart contracts to automate code that protects players and developers from the challenges of digital economies. The threats, vulnerabilities, and scams that come from smart contracts still persist, but the industry is maturing with better security practices, cross-chain solutions, and increased formal cryptographic tools. In the coming years, blockchain will remain the base to digital economies and drive Web3 gaming environments that allow players to safely own, trade, and enjoy their digital experiences free from fraud and exploitation. While blockchain and gaming alone entertain, we will usher in an era of secure digital worlds where trust complements innovation. The Role of Blockchain in Building Safer Web3 Gaming Ecosystems was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story