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Although Bitcoin (BTC) has seen a rapid recovery in recent days, it has experienced consecutive sharp declines in the last two months. While this situation revived bear market rhetoric, it also came to the fore that the biggest institutional Bitcoin bull, Strategy, was selling BTC. Strategy Prepares for Bitcoin Bear Market! While Michael Saylor denied these sales claims, CryptoQuant said that Strategy was preparing for a bear market. CryptoQuant stated that Strategy established a cash reserve of approximately $1.44 billion this week to cover dividends and debt interest, The Block reported. CryptoQuant stated that this cash reserve is a signal that the company is preparing for a bear market, and that this dual reserve model, which includes both the US dollar and Bitcoin, reduces the risk of forced Bitcoin sales during economic recession periods. At this point, CryptoQuant Research Head Julio Moreno emphasized that the Strategy's creation of a US dollar reserve indicates a high probability of sales, but still, the sale would be a last resort and the company would primarily focus on Bitcoin derivatives. Strategy CFO’su Andrew Kang ise, ABD doları rezervinin, mNAV>1 olduğunda oluşturulacak bir likidite risk yönetimi aracı olduğunu; BTC’nin mevcut 93,500 dolar seviyesinde, şirketin faaliyetlerini ve temettülerini 3 yıldan fazla sürdürebileceğini ve BTC satışlarının yalnızca son çare olarak kullanılabileceğini söyledi. The Bear Market Has Already Started! Claiming that the bear market period started in early November, CryptoQuant’s Julio Moreno stated that if the bear market continues, they expect the BTC price to trade in the $70,000-$55,000 range next year. Moreno added that the second figure, $55,000, is the “most bearish scenario.” *This is not investment advice. Continue Reading: Bad News from CryptoQuant! "The Bear Market Has Started in Bitcoin, If It Continues, the Price Could Fall to These Levels!"

Following its double-digit gains in recent days, Shiba Inu has moved closer to removing the fifth zero from its price. After a largely lackluster performance in November, Shiba Inu has started showing modest gains in the past few days. Visit Website

Ripple’s XRP is nearing a key resistance zone at $2.28. Traders are watching this level, as a breakout could push the price toward the $2.75 area. Current movement remains inside a descending channel that has shaped price action since early October. $2.28 Level Holds the Breakout Key Analyst Ali Martinez outlined the $2.28 zone as a major resistance level. It aligns with the 0.618 Fibonacci retracement and the upper edge of the descending channel. The area has rejected the price several times in recent weeks. Martinez stated , “If $XRP can break past $2.28, a breakout toward $2.75 opens up.” Notably, the $2.75 zone also aligns with the 0.236 Fibonacci level and a previous support level that may now act as resistance. Above that, the price could face pressure near $2.90 to $3.00. If XRP is rejected again at $2.28, it may retest the lower support range around $2.05 or $1.87. XRP Price Chart 04.12. Source: Ali Martinez/X Meanwhile, XRP has tracked the broader market. During the December 1 pullback, the asset dropped from $2.20 to below $2.00 before recovering. At the time of writing, XRP trades at $2.17, down 1% in the last 24 hours and 1% over the past week. The 24-hour range has stayed between $2.15 and $2.21. CRYPTOWZRD noted a slightly bullish close on the daily chart. “If it holds above the $2.277 resistance target, I am expecting another long opportunity,” they said. If rejected at that level, the analyst expects the market to move sideways. Support is seen near $2.08. Oversold Conditions and Wallet Activity Analyst Steph Is Crypto pointed to the Stochastic RSI on the weekly chart, which is back in oversold territory. Previous lows in this zone have often marked the end of short-term downtrends. Several prior signals at this level were followed by strong recoveries. In parallel, on-chain activity has picked up. Crypto commenter Amonyx reported an increase in XRP velocity, describing it as a sign of “ rising liquidity and heavy trader or whale movement .” Data from CryptoQuant supports this view. As CryptoPotato reported , wallets holding 1M to 10M XRP reduced their holdings by 150M tokens, continuing a pattern seen since September. In addition to these market shifts, a new protocol called Firelight has launched , offering XRP holders the ability to stake tokens while securing on-chain protection. Built by Sentora and supported by Flare Network, the platform uses the FAssets system to bring XRP into DeFi environments. In a separate development, RLUSD gained approval for use within the Abu Dhabi Global Market. The stablecoin now has a clearer path to adoption among regulated firms in the region. The post Ripple’s (XRP) Next Big Breakout Hinges on This Key Resistance: Details appeared first on CryptoPotato .

BitcoinWorld Crypto Firms Data Breaches: South Korea’s Strict New Liability Rule Sparks Urgent Security Overhaul Imagine your personal data, held by a cryptocurrency exchange, suddenly exposed in a massive breach. This alarming scenario is driving South Korea to take decisive action. The country plans to impose a strict liability rule on digital asset service providers for crypto firms data breaches , fundamentally shifting how security failures are handled. This move could set a powerful precedent for global crypto regulation. What Does South Korea’s New Rule Mean for Crypto Firms Data Breaches? South Korean authorities, responding to high-profile incidents like the Coupang data leak, are embedding a strict liability provision into the forthcoming Digital Asset Basic Act. This rule means that in the event of a security incident, a company is automatically held liable for damages. The critical shift? The burden of proof moves from the user to the service provider. A company must prove it was not intentional or negligent to avoid penalties. This approach mirrors stringent financial and data protection laws in other sectors. For the crypto industry, it represents a significant escalation in accountability. The potential fines are substantial, reaching up to 3% of a firm’s revenue. Therefore, this creates a powerful financial incentive for companies to fortify their cybersecurity measures long before any incident occurs. Why Is This a Game-Changer for User Protection? The traditional model often leaves users struggling to prove a company’s negligence after a breach. South Korea’s new framework flips this script. It prioritizes consumer protection by assuming company fault first. This has several key benefits: Stronger Deterrence: The threat of major revenue-based fines makes robust security a top business priority, not an afterthought. Faster Redress for Victims: Users won’t face lengthy legal battles to establish fault, potentially speeding up compensation. Elevated Industry Standards: It encourages all crypto firms to adopt best-in-class security to avoid liability, raising the bar for the entire market. However, this shift also presents challenges. Some argue that strict liability could stifle innovation by placing a heavy compliance burden on smaller startups. Companies must now invest heavily in security infrastructure, audits, and insurance, which could increase operational costs. How Should Crypto Firms Prepare for This New Era? For digital asset service providers operating in or targeting South Korea, proactive adaptation is non-negotiable. The time to act is now, before the law is finalized and enforced. Here are actionable steps firms should consider: Conduct a Security Audit: Perform a comprehensive review of all data storage, encryption, and access protocols. Identify and patch vulnerabilities immediately. Implement Zero-Trust Architecture: Move beyond basic security. Assume breach attempts are constant and verify every access request. Enhance Transparency: Develop clear, user-friendly communication plans for potential incidents. Building trust is crucial. Explore Cybersecurity Insurance: Seek policies that can help mitigate the financial risk posed by the new penalty structure. This regulatory move signals that governments are no longer willing to treat the crypto industry with a light touch, especially concerning user data. It underscores that with financial innovation comes profound responsibility. The message to crypto firms is clear: safeguard user data with utmost seriousness or face severe consequences. Conclusion: A Watershed Moment for Crypto Regulation South Korea’s plan to impose strict liability for crypto firms data breaches is a watershed moment. It moves the regulatory focus from mere compliance to active, verifiable stewardship of user data. This policy will likely inspire similar measures in other jurisdictions, pushing the global crypto industry toward greater maturity and security. For users, it promises stronger protection. For companies, it demands immediate and unwavering commitment to cybersecurity excellence. The era of ambiguous accountability for data breaches in crypto is ending. Frequently Asked Questions (FAQs) Q1: What is ‘strict liability’ in the context of these crypto rules? A1: Strict liability means a crypto firm is automatically held responsible for any personal data breach it suffers. The company must prove it was not at fault to avoid penalties, reversing the usual burden of proof. Q2: How much can a firm be fined under this new South Korean rule? A2: Fines can reach up to 3% of the firm’s total revenue. This revenue-based penalty is designed to be significant enough to compel serious investment in data security. Q3: What triggered this new regulation? A3: The rule is a direct response to major data leaks in South Korea, including a significant incident at e-commerce giant Coupang. It aims to prevent similar breaches in the sensitive cryptocurrency sector. Q4: Does this rule only apply to exchanges? A4: No. It applies to ‘digital asset service providers,’ which is a broad category expected to include exchanges, wallet providers, and other crypto-related platforms handling user data. Q5: When will this law come into effect? A5: The provision will be part of the forthcoming Digital Asset Basic Act. The exact timeline for enactment is not yet finalized, but firms should begin preparing immediately. Q6: Could this model be adopted by other countries? A6: Absolutely. South Korea is often a regulatory trendsetter in crypto and tech. Other nations observing systemic risks from data breaches may implement similar strict liability frameworks. Found this analysis of South Korea’s crackdown on crypto security crucial? The landscape of digital asset regulation is changing fast. Help others stay informed by sharing this article on your social media channels. Spark a conversation about security, accountability, and the future of trustworthy crypto platforms. To learn more about the latest cryptocurrency regulatory trends, explore our article on key developments shaping global policies and their impact on market stability and institutional adoption. This post Crypto Firms Data Breaches: South Korea’s Strict New Liability Rule Sparks Urgent Security Overhaul first appeared on BitcoinWorld .

Bitcoin (BTC) has climbed back above $93,000, recovering from a sharp drop just days earlier. This quick comeback is being linked to a vital shift in data, suggesting major U.S. investors are starting to buy again. A Key Metric Flips Positive According to XWIN Research Japan, the Coinbase Premium Index climbed back into positive territory after falling deeply negative through November. During that period, Bitcoin slipped below $90,000, reflecting softer U.S. spot buying while offshore demand held up. Historically, a negative premium has matched up with risk-off positioning among regulated U.S. investors. That backdrop changed quickly this week, with the research firm linking the rebound to a series of major announcements, including Charles Schwab, which oversees about $12 trillion, confirming plans to open Bitcoin and Ethereum trading in early 2026. It follows Vanguard’s recent reversal on crypto access, a moment that surprised many given its long-standing reluctance toward digital assets. XWIN also noted that Japan is preparing to approve Bitcoin ETFs, and with Japanese investment trusts and pension-linked retail flows behind the move, analysts at the firm estimate $3–10 billion could enter the market during the early phase of adoption. While no single market guarantees a predictable price effect, such flows can add meaningful upward pressure when combined with U.S. and European ETF demand. On top of these structural developments, Coinbase Institutional suggested in a recent outlook report that December could bring relief after Bitcoin’s unusually poor November. The team cited the end of the Federal Reserve’s quantitative tightening phase as a supportive shift, pointing out that Bitcoin had dropped more than three standard deviations below its 90-day average while the S&P 500 declined only one. Market Structure Strengthens Beyond the influx of traditional money, the current price increase is notable for its stability. Data from Binance shows that as Bitcoin rose to the $93,000 mark, the Estimated Leverage Ratio (ELR) dropped to its lowest point in about a month. According to market watchers, a fast price rise is usually accompanied by increased borrowing from traders seeking bigger gains. The current decline in leverage suggests a reduction in risky speculative positions, making the market less prone to the violent, cascading sell-offs caused by mass liquidations, and building a more solid foundation for the price. This pattern of strong spot buying with low leverage mirrors characteristics seen at previous market bottoms. Analyst COINDREAM pointed out that rapid shifts in the Coinbase Premium Gap from negative to positive have historically coincided with periods of price stabilization and accumulation. The current activity suggests a similar dynamic may be unfolding, where large buyers are stepping in at perceived lower price levels. The post From Negative to Bullish: Coinbase Premium Signals Big Money Returning to Bitcoin appeared first on CryptoPotato .

Summary Aggressive selling pressure drove one of Bitcoin’s weakest momentum readings since 2022, and US trading hours accounted for most of November’s decline. Onchain activity weakened across all major categories, with blockchain revenues, DEX volumes, and perp funding rates falling sharply while stablecoin supply pulled back from October’s peak. Market structure signals caution but not collapse, as leverage reset to April lows, ETP outflows remained manageable, and institutional participation, combined with lower volatility, points to a smaller drawdown than prior cycles. Price and onchain metrics weakened, but institutional participation and lower volatility point to a milder drawdown than last cycle’s -78% decline. Please note that VanEck may have a position(s) in the digital asset(s) described below. Price Returns Index/Asset November (%) YTD (%) S&P 500 Index 0.13 16.45 Nasdaq Index -1.51 21.00 MarketVector Decentralized Finance Leaders Index -7.57 -59.83 Bitcoin -16.90 -2.80 MarketVector Global Digital Assets Equity Index -19.69 35.07 Coinbase -20.64 9.88 Ethereum -21.16 -8.82% MarketVector Smart Contract Leaders Index -21.43 -31.71 MarketVector Meme Coin Index -21.61 -67.18 MarketVector Infrastructure Application Leaders Index -22.55 -59.02 Source: Bloomberg as of 12/01/2025. Index performance is not representative of fund performance. It is not possible to invest directly in an index. Past performance is no guarantee of future results. Not intended as a recommendation to buy or sell any securities named herein. Crypto investors felt like they were tossed through a washing machine in November, as relentless selling pressure shook coins loose from weaker hands. The result was that Bitcoin ( BTC-USD ) reached the lowest 30-day Relative Strength Index ((RSI)) readings (~32) since the de-peg of Lido ETH in June 2022. RSI measures the speed and magnitude of recent price changes to identify overbought or oversold conditions. BTC, ETH, and SOL ( SOL-USD ) each fell (-23%), (-27%), and (-31%). Crypto selloffs were heavily concentrated during US trading sessions, which contributed roughly 85% of November BTC losses. Though the Coinbase Premium Index, which tracks Coinbase’s BTC price premium to non-US exchanges, briefly turned positive over Thanksgiving weekend, the index was negative for the vast majority of November. The “flush” in November 2025 somewhat mirrors the one crypto experienced after Trump’s tariffs in April 2025, when BTC fell from $109K to $76K. The result of recent price action is that (~55%) of Bitcoin’s supply is in profit, which marks the lowest reading since September 2023. In the previous bear market, Bitcoin supply in profit reached a low of (~31%) in November 2022 after the collapse of FTX. MarketVector Smart Contract Leaders Index (MVSCLE) Fell by -25% in November Source: Artemis XYZ as of 11/25/2025. Index performance is not representative of fund performance. It is not possible to invest directly in an index. Past performance is no guarantee of future results. Not intended as a recommendation to buy or sell any securities named herein. Open interest in crypto futures continued to decline from October, reaching the lowest levels, $29B, since the chaos of the tariff market reaction in April 2025. BTC ETP outflows in BTC terms were (-2.5%), while ETH ETP redemptions corresponded to (-8%) of AUM measured in ETH. The extreme levels of uncertainty drove 30-day trailing volatility to the mid-40s, approaching the lower levels seen in April 2025, when volatility averaged above 50. Besides broader concerns about AI spending and Federal Reserve policy, crypto traders worried about emerging narratives around quantum computing affecting Bitcoin encryption, Digital Asset Treasury ((DAT)) weakness, and selling by ancient whales. Cumulative BTC Returns by Session 10/24 - 11/24 Source: Glassnode as of 11/25/2025. Past performance is no guarantee of future results. This dismal backdrop translated into weak onchain fundamentals, with blockchain revenues down (-37%) m/m to reach ~$200M in November. DEX volumes across all chains were down (-26%) m/m and (-35%) y/y. Meanwhile, Hyperliquid gained more market share of blockchain earnings, reaching (40%) of the market to gross $80M on the month. After the conclusion of the perpetual future DEX mania of October, BNB’s revenues have fallen (-76%) m/m, dropping it to fifth place in blockchain revenues. Stablecoin ( SBC-USD ) transfer volumes were down (-19%) m/m across all chains, but still showed y/y growth of (+54%). In that category, Ethereum ( ETH-USD ) continues to dominate, posting roughly the same volumes as the next four competitors combined. Hyperliquid Revenue Gains as BNB Fades Source: Artemis XYZ as of 11/15/2025. Past performance is no guarantee of future results. Not intended as a recommendation to buy or sell any securities named herein. Stablecoins on blockchain also pulled back after reaching an all-time high of 308B in October, declining to 304B at the end of November. Though USDC lost (-2%) or 1.2B of its market capitalization, Ethena’s USDE lost (-30%) m/m or nearly (-50%) off its mid-October high (14B-$7B). The decline in overall stablecoins partly relates to the compressing rates environment for crypto. The best gauge of blockchain yields, the trailing 30-day perp funding rates, fell as low as (3.8%) after averaging (7-8%) over the summer. These yields reflect crypto traders’ willingness to take directional risk, and current levels are the lowest since October 2023. With respect to Ethena, the substantial decline is most likely attributable to the peg break it experienced due to market chaos on October 10, when some exchanges priced USDE as low as $0.65 rather than $1.00. Another bit of bad news for stablecoins came at the end of the month when S&P downgraded Tether’s rating for peg stability from 4 (constrained) to 5 (weak), which is S&P’s lowest rating. Top Blockchains by Key Metrics in November November's Leaderboard Price Blockchain ICP STRK ZK GNO TRX Price Change (%) 31.76 12.97 6.19 -7.99 -11.67 Revenue Blockchain HYPE TRX ETH SOL BNB Monthly Revenues ($) 81,308,728 30,740,951 26,591,272 21,302,909 16,866,025 DEX Volumes Blockchain SOL BNB ETH BASE ARB Daily DEX Volumes ($) 3,707,010,706 2,824,826,960 2,655,630,616 1,322,406,299 673,806,137 Users Blockchain TRX SOL NEAR BNB APT Average DAUs 3,040,612 2,982,806 2,817,338 2,626,616 1,349,250 Stablecoin Volume Blockchain ETH BASE TRX BNB SOL Daily Transfer Volume ($) 92,352,126,412 44,746,344,414 23,935,162,853 14,069,905,867 13,023,037,371 Source: Artemis XYZ as of 11/25/2025. Past performance is no guarantee of future results. Not intended as a recommendation to buy or sell any securities named herein. As an ending note, we would like to remember one of the best F1 drivers of all time, Ayrton Senna. Ayrton relished rainy race days because wet conditions amplified his bold, precise skills, allowing him to overcome substantial deficits to win races. When other drivers dialed back their risk tolerances, Ayrton increased his and benefited enormously. Chaotic times offer immense opportunities for the disciplined investor. While we do not know when this downpour will end, we are carefully positioning our portfolios for the sunny times to come. 30-Day Correlation BTC/Nasdaq Broke 1-Year Highs Source: Artemis XYZ as of 11/25/2025. Past performance is no guarantee of future results. Not intended as a recommendation to buy or sell any securities named herein. Top Crypto Questions from Clients This Month 1 - Are bitcoin whales selling? Bitcoin Spent Volume from 5+ Year Holders (30-Day Moving Average) Source: Glassnode as of 11/26/2025. Past performance is no guarantee of future results. Not intended as a recommendation to buy or sell any securities named herein. We have seen a modest uptick in selling of older cohorts of BTC holdings. As we can see in the chart above, this selling by older cohorts is far below earlier peaks. The largest reductions in positions have occurred in the 2-5-year holding band. This cohort has dropped in total BTC holdings by (-31%) since November 2023. These holders appear to be positioning based on their interpretation of Bitcoin’s place in the 4-year cycle. Zooming out, while the percentage of supply >5 years old has remained consistent at (30.5%), we have seen a massive drop in % the supply >2 years old category, moving from (57%) in January 2024 to (48%) today. All the while, short-term active supply, 2 - Is it too late to buy bitcoin? In our opinion, it is difficult to call any level ‘too late’ for BTC, and these levels may reflect short-term panic more than a long-term view of fundamental potential. BTC recently experienced a greater than (-30%) drawdown, which mirrors past pullbacks during bull markets in 2017 and 2021. 3 - Is crypto in a bubble? Some crypto tokens certainly need to be repriced, including those associated with ghost blockchains and low-utility applications. However, we believe there are still worthwhile investment opportunities for those with a very high risk tolerance. 4 - Have we passed the price peak in Bitcoin's 4-year cycle? Many 4-year cycle forecasters divine that we have already reached the price apex of this cycle. However, lower volatility and the explosion in real-money involvement suggest a smaller drawdown than previous cycles. Thus, VanEck bought the dip in model portfolios at ~$80K on Friday, November 21st, seeing an attractive risk/reward, with technical indicators signaling a near-term bottom. However, we remain flexible and not dogmatic about the cycle with a healthy respect for the 4-year patterns. The underlying dynamics of the 4-year cycle may have changed as Bitcoin miners diversified their income streams and institutional players viewed BTC as a unique macro asset. That noted, many in the crypto community, including large whales, believe that the Bitcoin 4-year cycle is infallible. If these parties act, they will likely weigh on prices. Index Definitions S&P 500 Index: is widely regarded as the best single gauge of large-cap U.S. equities. The index includes 500 leading companies and covers approximately 80% of available market capitalization. Nasdaq 100 Index: is comprised of 100 of the largest and most innovative non-financial companies listed on the Nasdaq Stock Market based on market capitalization. MarketVector Centralized Exchanges Index: designed to track the performance of assets classified as 'Centralized Exchanges.' MarketVector Decentralized Finance Leaders Index: designed to track the performance of the largest and most liquid decentralized financial assets, and is an investable subset of MarketVector Decentralized Finance Index. MarketVector Media & Entertainment Leaders Index: designed to track the performance of the largest and most liquid media & entertainment assets, and is an investable subset of MarketVector Media & Entertainment Index. MarketVector Smart Contract Leaders Index: designed to track the performance of the largest and most liquid smart contract assets, and is an investable subset of MarketVector Smart Contract Index. MarketVector Infrastructure Application Leaders Index: designed to track the performance of the largest and most liquid infrastructure application assets, and is an investable subset of MarketVector Infrastructure Application Index. MarketVector Digital Assets 100 Large-Cap Index: market cap-weighted index which tracks the performance of the 20 largest digital assets in The MarketVector Digital Assets 100 Index. MarketVector Digital Assets 100 Small-Cap Index: market cap-weighted index which tracks the performance of the 50 smallest digital assets in The MarketVector Digital Assets 100 Index. MarketVector Meme Coin Index: modified market cap-weighted index which tracks the performance of the 6 largest meme coins. Meme coin refers to crypto assets often named after characters, individuals, animals, artworks, or other memetic elements. Initially supported by enthusiastic online traders and communities, these coins are intended for entertainment purposes. Coin Definitions Bitcoin ((BTC)): A decentralized digital currency enabling peer-to-peer transactions without intermediaries or a central authority. Ethereum ((ETH)): A decentralized smart-contract platform used to build and run applications and Layer-2 networks. Solana ((SOL)): A high-throughput Layer-1 blockchain; SOL is used for fees and staking to secure the network. BNB (BNB): The native asset of BNB Chain used for transaction fees, staking, and ecosystem utilities. USD Coin ((USDC)): A fiat-backed U.S.-dollar stablecoin issued by regulated partners, designed to maintain a 1:1 USD peg. Tether (USDT): A widely used fiat-backed U.S.-dollar stablecoin intended to hold a 1:1 USD peg. Ethena USDe (USDE): A synthetic U.S.-dollar stablecoin from Ethena that targets a ~$1 value via a delta-neutral backing model; market price can trade above/below the peg during stress. Lido Staked Ether (stETH): A liquid staking token representing staked ETH on Lido that accrues staking rewards and is redeemable for ETH over time. Hyperliquid (HYPE): The native token of the Hyperliquid L1 + perps DEX, used for governance, staking/fee-sharing, and protocol incentives. Risk Considerations This is not an offer to buy or sell, or a recommendation to buy or sell any of the securities, financial instruments or digital assets mentioned herein. The information presented does not involve the rendering of personalized investment, financial, legal, tax advice, or any call to action. Certain statements contained herein may constitute projections, forecasts and other forward-looking statements, which do not reflect actual results, are for illustrative purposes only, are valid as of the date of this communication, and are subject to change without notice. Actual future performance of any assets or industries mentioned are unknown. Information provided by third party sources are believed to be reliable and have not been independently verified for accuracy or completeness and cannot be guaranteed. VanEck does not guarantee the accuracy of third party data. The information herein represents the opinion of the author(s), but not necessarily those of VanEck or its other employees. Index performance is not representative of fund performance. It is not possible to invest directly in an index. Investments in digital assets and Web3 companies are highly speculative and involve a high degree of risk. These risks include, but are not limited to: the technology is new and many of its uses may be untested; intense competition; slow adoption rates and the potential for product obsolescence; volatility and limited liquidity, including but not limited to, inability to liquidate a position; loss or destruction of key(s) to access accounts or the blockchain; reliance on digital wallets; reliance on unregulated markets and exchanges; reliance on the internet; cybersecurity risks; and the lack of regulation and the potential for new laws and regulation that may be difficult to predict. Moreover, the extent to which Web3 companies or digital assets utilize blockchain technology may vary, and it is possible that even widespread adoption of blockchain technology may not result in a material increase in the value of such companies or digital assets. Digital asset prices are highly volatile, and the value of digital assets, and Web3 companies, can rise or fall dramatically and quickly. If their value goes down, there’s no guarantee that it will rise again. As a result, there is a significant risk of loss of your entire principal investment. Digital assets are not generally backed or supported by any government or central bank and are not covered by FDIC or SIPC insurance. Accounts at digital asset custodians and exchanges are not protected by SPIC and are not FDIC insured. Furthermore, markets and exchanges for digital assets are not regulated with the same controls or customer protections available in traditional equity, option, futures, or foreign exchange investing. Digital assets include, but are not limited to, cryptocurrencies, tokens, NFTs, assets stored or created using blockchain technology, and other Web3 products. Web3 companies include but are not limited to, companies that involve the development, innovation, and/or utilization of blockchain, digital assets, or crypto technologies. All investing is subject to risk, including the possible loss of the money you invest. As with any investment strategy, there is no guarantee that investment objectives will be met and investors may lose money. Diversification does not ensure a profit or protect against a loss in a declining market. Past performance is no guarantee of future performance. © Van Eck Associates Corporation Original Post

One of the most watched Q4 events is a high-paced DeFi crypto project that is currently entering the most crucial phase. This token is nearing the mark of 99% allocation and many analysts believe that it wants to hit the threshold faster than expected. Numerous investors who have been tracking the best crypto opportunities are interested in the next move that might make or break this project to be one of the first 20x entries into the upcoming cycle. Mutuum Finance (MUTM) One of the most active tokens of the year is Mutuum Finance (MUTM) . This project has been initiated at a price of $0.01 in early 2025 and has soared to $0.035, a 250% increase. Capitalization has already raised up to $19.1 million and the count of holders is more than 18,300. The total purchased tokens are more than 810 million. Mutuum Finance is an initiative that is working on a decentralized lending protocol based on the actual borrowing demand. Users borrow the assets, including ETH or USDT, and earn mtTokens, which increase in value until borrowers make interest payments. The liquidity management in the system utilizes two lending markets to facilitate borrowing and keep the rates stable incorporating inbuilt LTV regulations and liquidations where necessary. This framework has assisted Mutuum Finance to cross the radar of traders who seek new crypto entries that have developing utility. V1 and Buy-and-Distribute Model Mutuum Finance stated on its official X account that V1 testnet will go live in Q4 2025 on the Sepolia network. The initial one will consist of the liquidity pool, the mtTokens, the debt tracker, and the liquidator bot with the initial assets being ETH and USDT. There is the strength of the project, the mtToken system. Each time a person provides liquidity, he/she is provided with mtTokens which gain value as other people remit interests to the pool. This provides the true APY of lenders as a result of the activity within the protocol. The buy-and-distribute system is also noted by analysts as one of the significant long-term motifs. Some of the protocol revenue is purchased on the open market using a share of the protocol revenue. The acquired tokens are given to users that stake the mtTokens in the safety module. This produces inherent purchasing tension which increases as utilization of protocols increases. Having all these features, some analysts model 5x to 8x increase soon after V1 is launched. Noticeable projection to the long-term, a 20x growth is possible under adoption and revenue growth. Roadmap Plans Mutuum Finance is gearing up to create a USD-pegged stablecoin which will be printed and burned in response to demand. Its support will be in borrower interest. Analysts also declare this stablecoin to be one of the significant components of the roadmap since it can broaden the liquidity and trigger more borrowing in the event that the protocol becomes live. The team will also intend to spread to various layer-2 networks. Mutuum Finance can access additional users and consequently cut charges as well as expand borrowing markets faster when it makes use of L2 scaling. Multiple chain deployment represented one of the driving forces behind successful DeFi protocols in previous cycles. Accurate pricing will be based on Chainlink feeds, fallback oracles, aggregate pricing, and DEX data to be used at Mutuum Finance. This will ensure that liquidations are made properly and that the users are safeguarded when there are turbulent times in the market. Security Oversight and Daily Incentives Mutuum Finance still puts security as a core concern. The project is a Pass of CertiK audit, with a 90/100 Token Scan score, indicating a solid foundation of a new DeFi protocol. Halborn security is looking into the fundamental lending agreements and the team issued a bug bounty of $50k to discover any code vulnerabilities before the testnet launches. The 24-hour leaderboard provides a daily activity boost and awarding the most prolific the best contributor with $500 in MUTM. This system ensures that the involvement of the community is maintained and that there is daily funding motivation. Urgency is increasing rapidly with the present allocation being at 99%. According to analysts, the last percent usually trades much faster than other stages, with buyers rushing in to take the last tokens at the $0.035 mark, before the next price increase. Mutuum Finance is now one of the most viewed DeFi crypto-entrants of the year. The project has a solid early foundation with mtToken yield, dual lending market, buy-and-distribute, stablecoin scale, L2 implementation, verified contracts and a verifiable V1 rollout. As Phase 6 is nearly exhausted and the number of tokens is negligible, analysts reckon that this might be one of the final chances before the next price rise. Provided the current demand remains the same, Mutuum Finance might get a lot of returns in the next cycle. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance

U.S. spot XRP ETFs have seen twelve straight days of inflows, totaling $844.9 million as of December 2, making them the fastest-growing crypto ETF category and nearing the $1 billion milestone in assets under management. XRP ETFs attract $89.65 million on December 1 and $67.7 million the next day, driven by market rebound. Solana ETFs [...]

While the passage of the United States’ first federal stablecoin law has opened a new chapter for digital assets, it has also highlighted disagreements on Wall Street. Major institutions are now debating whether the GENIUS Act will strengthen demand for the U.S. Visit Website