Stablecoin Depegging: A Beginner’s Guide

A stablecoin is a token whose value is backed by stable assets such as gold or fiat currency. Because of this, their price usually remains equal to 1 US dollar or an ounce of gold, respectively. In a fast and volatile crypto market, where other cryptocurrencies can quickly rise or fall, stability is highly appreciated. But just like physical money, crypto coins aren’t invulnerable. Every once in a while, even stablecoins can depeg. 

Knowing what is depegging and how it happens can help you prepare and prevent significant losses. 

What is a Stablecoin Depeg?

A stablecoin depeg happens when the coin’s price drops or rises far from the value it’s meant to stay equal to, like when a $1 fiat-backed stablecoin no longer stays close to $1.

Definition of a stablecoin

One of the biggest reasons people use stablecoins is that they’re designed to maintain stable value. So, when a depeg event happens, it can cause serious problems. Investors may lose money, and trust in the coin or even the wider crypto market can quickly drop.

A depeg can be temporary or permanent, depending on what caused it and what type of stablecoin it is. For example, fiat-backed stablecoins might depeg due to banking or liquidity issues, while crypto-collateralized and algorithmic stablecoins often struggle during extreme market conditions or design flaws.

Understanding why a stablecoin depegs is crucial. The cause helps investors decide whether the coin can recover or if it’s safer to sell their digital assets.

Why do Stablecoins Depeg?

Several factors can cause the stablecoin price to fluctuate. They often depend on the type of coin and external influence. To understand why do stablecoins depeg, we will take a deep dive into the potential risks.

Market Fluctuations

• The cryptocurrency market is highly volatile, so sudden changes in popularity can push stablecoin prices up or down.
• Market sentiment (fear or hype) can trigger mass buying or selling of digital assets. 
• Liquidity issues can arise during market stress, making it harder to keep the peg.
• External events or speculation can impact stability, especially with algorithmic or fractional-algorithmic stablecoins like FRAX.
  

Regulatory Actions

• Government policies or changes to crypto rules can create uncertainty.
• Stricter reserve requirements may affect how stablecoins are backed.
• Negative regulatory news can quickly lower confidence and cause price drops, changing the market dynamics.

Technical Vulnerabilities

• Smart contract bugs or security breaches can lead to loss of funds and external attacks.
• Platform failures or poor management can disrupt access to stablecoins.
• Lack of transparency reduces user trust.

Collateral Management

• A pegged cryptocurrency must hold reliable backing assets (like cash or crypto).
• If these assets are volatile or illiquid, the peg can fail.
• Regular audits and transparent reporting help build confidence among market participants.

Market Manipulation

• Malicious actors may use tactics like wash trading or spoofing to distort prices.
• Weak regulation allows manipulation to happen more easily, shaking market confidence in the process.
• In decentralized finance, transparency and community oversight are key to preventing abuse.

Causes and risks of a stablecoin depeg

How Stablecoins Try to Maintain the Peg

To function properly, stablecoins have to maintain their peg to assets. To achieve that, different coins have to implement different measures. Here are several examples.  

Redemption Mechanism

A redemption mechanism helps keep the price of an exchange-traded fund close to its true value. When a stablecoin’s market price moves above or below its actual net asset value, authorized participants (usually large broker-dealers) step in to profit from the difference. They buy or sell еру stablecoin’s shares and the underlying assets until prices align again. This process, called arbitrage, restores the coin’s fair value. By adding or removing shares based on market demand, the redemption mechanism keeps stablecoins efficient, closely tied to the asset, and fairly priced for all investors.

Mint-and-Burn

When a stablecoin is created (minted), the issuer first sends new tokens to its own wallet, then transfers them to users. When coins are burned, they’re moved to a special wallet so they can’t be used again.

Many users don’t mint new coins directly, they simply buy or trade existing ones on crypto exchanges, which doesn’t change the total token supply.

Minting and burning keep the circulating supply equal to the issuer’s cash reserves, ensuring stability. However, mistakes can happen, like in October, 2025, when Paxos accidentally minted $300 trillion in PayPal’s PYUSD due to a technical error.

Arbitrage

Arbitrage is a key idea that helps stablecoins stay close to their 1 US dollar value. If a stablecoin drops to $0.98, traders buy it cheaply and redeem it for $1 in collateral, reducing the number of coins in circulation. If it rises to $1.02, traders mint new coins and sell them for a small profit, increasing supply. These actions quickly push the price back toward $1. This process uses natural market incentives to keep stablecoins stable. In short, traders’ rational behavior automatically balances supply and demand, helping the coin maintain its peg over time.

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Rebase Mechanism

A rebase mechanism is a system often used by algorithmic stablecoins. It automatically changes the number of stablecoins in circulation to keep the price close to 1 US dollar. Instead of being backed by real assets, it uses algorithms and smart contracts to adjust supply.

If the price goes above 1 US dollar, the system creates (mints) more coins and adds them to holders’ wallets, increasing supply and pushing the price down. If the price falls below $1, it removes (burns) some coins from circulation, reducing supply and lifting the price. This process helps balance supply and demand, keeping the stablecoin stable.

Seigniorage

In traditional finance, seigniorage is the difference between the value of money and the cost to produce it. For stablecoins, it is the profit an algorithmic stablecoin system makes when it issues new tokens to keep its exchange rate stable. Smart contracts automate this process by adjusting supply. For example, when demand is high and the price goes above $1, the system mints more tokens to lower it. When it drops and the rate falls below $1, it burns tokens to reduce supply. This two-token model (stablecoin and bond token) keeps the price balanced against cryptocurrency market dynamics and generates profit for the protocol.

Common Causes of Depegging

There are several common reasons for stablecoins to depeg. Some of them can be anticipated, and in this case, analytics warn users of the possibility.

Bank Run

A bank run is a sudden rush of users panic selling—trying to withdraw or redeem their stablecoins at once. If the project doesn’t have enough liquid reserves or fiat currency to cover all redemptions, the stablecoin’s price can fall below its peg.

Oracle Failure

Oracles provide real-world price data to blockchains. If they send wrong or delayed information, the system may misjudge the stablecoin’s real value, causing price swings or loss of the peg.

Commercial Paper (Opaque Reserves)

When a stablecoin’s reserves include unclear or risky assets like commercial paper (short-term corporate debt), it creates uncertainty about whether each coin is truly backed 1:1, leading to loss of trust and depegging.

Custodian Bank

Stablecoins often rely on banks to hold their reserves. If a custodian bank faces financial trouble, freezes assets, or delays withdrawals, it can prevent redemptions and trigger depegging.

Risks to Users

Depegging can be a dangerous event that affects the market as a whole and regular users. Main risks include slippage, redemption queue, redemption fees, and blacklisting function. 

Slippage

This happens when the stablecoin’s market price changes between the time you start a trade and when it’s completed. In a depeg, rates can move fast, changing the market dynamics, so you might receive less value than expected when selling or swapping.

Redemption Queue

During high demand or panic, stablecoin issuers may limit how quickly users can redeem coins for real assets. Users are placed in a waiting line (queue), meaning withdrawals can be delayed.

Redemption Fee

Some stablecoins charge a small fee when you exchange tokens for cash or collateral. These fees can increase during market stress, reducing the amount you get back.

Blacklisting Function (Freeze Risk)

Many centralized stablecoins can freeze or block certain wallet addresses if required by authorities or due to suspicious activity. This means users could lose access to their funds if their address is blacklisted.

Terra UST and USDC Cases

Depegging isn’t a rare occurrence. The two most well-known occasions in the last five years happened with Terra UST and USDC coins. 

In May 2022, TerraUSD (UST), the third-largest stablecoin, collapsed, losing its $1 peg and wiping out around $60 billion in market value. Unlike stablecoins backed by real assets, UST relied on an algorithm and its sister token LUNA, to maintain stability. When confidence dropped, this system failed, triggering a spiral where LUNA’s supply exploded from 342 million to 6.5 trillion, destroying its value. 

UST’s collapse affected the wider crypto market, prompting regulatory scrutiny and highlighting potential risks in algorithmic stablecoins. 

USDC suffered from a different issue. In March 2023, Circle’s USD Coin (USDC), a stablecoin meant to stay at $1, fell below 87 cents. This happened after the news that nearly 8% of its $40 billion reserves were tied to the collapsed Silicon Valley Bank. The bank’s sudden failure caused massive withdrawals and liquidity issues. USDC price drop showed that most stablecoins, like banks, can be vulnerable to “runs” if investors lose confidence. Circle still has $3.3 billion at SVB and plans to follow regulators’ guidance. 

How to Evaluate a Stablecoin Before Using It

Before using a stablecoin, take time to review it carefully. 

• Start by checking popularity and market cap—choose coins widely used and trusted, especially fiat-backed ones if you’re new.
•  Look at their exchange rate history to see if they stay stable. 
• Next, check the regulatory framework—who issues the coin, where it’s based, and whether it’s properly supervised.
•  Then review the underlying assets—make sure reliable auditors verify that reserves truly exist. Assess security—read audit reports and avoid coins that hide or alter them. 
• Finally, consider adoption and ecosystem—coins used across multiple platforms with good liquidity and strong communities are generally safer choices.

How to Manage Risk Related to Stablecoin Depegging

To manage the risk of stablecoin depegging, don’t keep all your money in one coin. Spread your funds across multiple stablecoins to reduce losses if one fails or falls victim to market manipulation. Choose coins backed by real assets and regularly audited by reputable firms. Check whether the stablecoin issuer is transparent about reserves and regulation. Avoid algorithmic stablecoins if you’re new, as they can be more volatile. Keep a portion of your funds in other safe assets like fiat currency or Bitcoin (four to five cryptocurrencies should do fine). Finally, stay updated on news and market conditions so you can act quickly if a stablecoin starts losing its peg.

FAQ

Why can stablecoins trade above peg?

Stablecoins can trade above their peg when demand is higher than supply. This often happens during market stress, when investors rush to buy stablecoins as a safe bet. Limited liquidity or delays in creating new coins can also push the value temporarily above the target.

What happens if the collateral ratio falls?

If a stablecoin’s collateral ratio falls, it means there’s less backing for each coin. This can make investors lose confidence and start selling, pushing the price below the stablecoin’s peg. To fix this, issuers may add more collateral, limit redemptions, or liquidate assets to restore stability.

Why do some stablecoins recover from small depegs while others collapse completely?

Some stablecoins recover from a small depeg event because they have strong collateral, transparent reserves, and quick responses from issuers. Others collapse when confidence disappears, reserves are weak, or systems fail under pressure. Recovery depends on trust, liquidity, and how well the project manages supply and demand during market stress.

How can I check in real time if a stablecoin is starting to depeg?

You can check if a stablecoin is starting to depeg by watching its rates on major exchanges or tracking sites. For example, if the price of a US dollar-pegged coin moves away from $1, even slightly, it could signal pressure. Also, monitor trading volume, redemption activity, and social media alerts.

Can I lose all my money in a depeg, or is the loss usually only partial?

Yes, it’s possible to lose all the investments in a depeg event. In severe cases, especially with weak or algorithmic stablecoins, the value can crash completely. Recovery depends on the project’s backing, transparency, and ability to restore the peg.

How do stablecoin depegs affect the wider crypto market — like Bitcoin or Ethereum prices?

When a stablecoin depegs, it can shake confidence across the crypto market. Investors may sell other assets like Bitcoin or Ethereum to move into cash, causing prices to drop. Liquidity also decreases as traders rush to safer coins, creating panic and high volatility throughout the entire crypto ecosystem.

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Disclaimer: Please note that the contents of this article are not financial or investing advice. The information provided in this article is the author’s opinion only and should not be considered as offering trading or investing recommendations. We do not make any warranties about the completeness, reliability and accuracy of this information. The cryptocurrency market suffers from high volatility and occasional arbitrary movements. Any investor, trader, or regular crypto users should research multiple viewpoints and be familiar with all local regulations before committing to an investment.

The post Stablecoin Depegging: A Beginner’s Guide appeared first on Cryptocurrency News & Trading Tips – Crypto Blog by Changelly.

* This article was originally published here

Crypto Price Analysis 11-24: BITCOIN: BTC, ETHEREUM: ETH, SOLANA: SOL, JUPITER: JUP, NEAR PROTOCOL: NEAR

The cryptocurrency market has started the week in positive territory, extending the gains made on Sunday as major cryptocurrencies trade in the green. Bitcoin (BTC) made a strong recovery after dropping to $80,000 on Friday, reclaiming $86,000 over the weekend. The flagship cryptocurrency is up over 2% in the past 24 hours, trading around $86,495. 

Sentiment around BTC turned positive as expectations of a December rate cut by the Federal Reserve doubled in 24 hours. As a result, investors added back risk exposure despite the uncertain macroeconomic picture. 

Meanwhile, Ethereum’s (ETH) recovery has stalled around the $2,850 mark as buyers struggle to push it beyond $3,000. The world’s second-largest cryptocurrency fell to a low of $2,768 early on Monday but recovered, reaching an intraday high of $2,862 before moving to its current level of $2,826. Ripple’s (XRP) positive start has fizzled out, with the price down nearly 1% at $2.05. Solana (SOL) is marginally up, trading around $131, while Dogecoin (DOGE) is up over 1%, trading around $0.145. Cardano (ADA) and Chainlink (LINK) are also marginally down over the past 24 hours. However, Stellar (XLM) is up almost 4%, while Hedera (HBAR) is up over 9%, trading around $0.148. On the other hand, Litecoin (LTC), Toncoin (TON), and Polkadot (DOT) are back in bearish territory. 

Strategy And Bitcoin Supporters Call For JPMorgan Boycott 

Boycott calls against JPMorgan by the Bitcoin community and Strategy supporters have grown louder after it emerged that the MSCI, formerly Morgan Stanley Capital International, an index company that sets the criteria for index inclusion, is likely to exclude crypto treasury companies like Strategy from its indexes in January 2026. JPMorgan shared the MSCI news in a research note, prompting calls for a boycott. Real estate agent and Bitcoin advocate Grant Cardone stated in response to the boycott calls, 

“I just pulled $20 million from Chase and am suing them for credit card malfeasance.”

The exclusion of crypto treasury companies from stock indexes could trigger an automatic selloff of their shares from funds and asset managers mandated to buy specific types of financial instruments. As a result, the exclusion could have a significant impact on the crypto market. Strategy entered the Nasdaq 100 in December 2024. The inclusion allowed the company to benefit from passive capital flows from funds and investors holding the Nasdaq 100. Strategy founder and executive chairman Michael Saylor responded to the news, stating, 

“Strategy is not a fund, not a trust, and not a holding company. Funds and trusts passively hold assets. Holding companies sit on investments. We create, structure, issue, and operate. Strategy is a Bitcoin-backed structured finance company.”

North Korea Has Infiltrated 20% Of Crypto Firms 

Pablo Sabbatella, founder of Web3 audit firm Opsek, believes 20% of crypto companies may have North Korean hackers embedded. International sanctions have prevented North Korean nationals from applying for jobs under their real identities. However, hackers have devised an ingenious workaround, hiring people in other countries to serve as fake employees. Platforms such as Upwork and Freelancer have become crucial for these recruiters, who generally target workers based in Ukraine, the Philippines, and other smaller nations. North Korean recruiters split the earnings 80:20, taking the larger share. 

The “front person” gets their computer infected with malware during the process, and grants the agent access to American IP addresses and overall internet access. According to Sabbatella, companies often recruit these workers long-term because they work very well, using their performance as a facade to keep suspicions low. 

“They work well, they work a lot, and they never complain. Performance keeps suspicions low while access to sensitive systems grows.”

Rate Cut Odds Surge 

Expectations of an interest rate cut by the Federal Reserve have surged after New York Fed President John Williams stated that interest rates could drop in the near term. Markets interpreted the comments as dovish, with Fed Funds Futures assigning a 57% chance of a 25-basis-point cut in December, up from less than 20% a week earlier. However, trading in US cash Treasuries remained shut in Asia thanks to a holiday. Despite this, futures held steady, indicating that bond markets await more data. 

Interest rate outlook has become harder to gauge after the US government shutdown delayed economic releases and key data. The Bureau of Labor Statistics stated on Friday that it had cancelled the October consumer price report as officials were unable to collect the relevant data due to the shutdown. 

Bitcoin (BTC) Price Analysis 

Bitcoin (BTC) has started the week in positive territory, extending the gains made on Sunday. The flagship cryptocurrency fell to a low of $80,524 on Friday before reclaiming $85,000 and settling at $85,068. BTC registered a marginal decline on Saturday before rising 2.51% on Sunday to reclaim $86,000 and settle at $86,806. BTC is marginally up during the ongoing session, trading around $87,096. 

Markets went into a state of panic on Friday as BTC dipped to $80,000. A wave of liquidations, rising spot Bitcoin ETF outflows, and dwindling corporate interest put substantial selling pressure on BTC. The selloff pushed the Bitcoin Fear & Greed Index into “Extreme Fear” territory. However, analysts believe the drop does not indicate a broader structural collapse, arguing that the market needs time to recalibrate after an overheated start to the year. According to Jamie Elkaleh, Chief Marketing Officer at BitGet Wallet, the nearly $800 million in forced liquidations indicate excessive leverage in the market. While the current risk-off sentiment is impacting the entire market, crypto is particularly vulnerable. 

“Equity markets are anchored by diversified earnings and macro stability, while crypto expresses stress more violently and more transparently.”

BTC reclaimed $86,000 on Sunday and added marginal gains during the ongoing session. Analysts believe the price should stabilize between $$89,000 and $95,000, ruling out a quick return to $100,000. They also highlighted substantial outflows from spot Bitcoin ETFs last week to reiterate their stance about institutional demand cooling. Analysts from TeraHash stated, 

“At the peak of inflows in late Q2, spot Bitcoin ETFs were drawing around $600–$700 million daily. Due to that, the price quickly broke above the $115,000 mark, eventually setting an all-time high above $126,000. So, ETFs are a direct reflection of the demand level.”

The last 24 hours have seen trading volumes rise to $64.7 billion, indicating a jump in activity after heavy selling. ConGlass data shows that derivatives volume increased 35% to $93 billion, while open interest rose 0.64%. Rising volumes and higher open interest indicate traders are returning to the market after a liquidation flush. 

BTC started the previous weekend in bearish territory, dropping over 5% and settling at $94,503. It recovered on Saturday, rising 1.10% to $95,544, but was back in the red on Sunday, dropping 1.42% and settling at $94,183. Sellers retained control on Monday, BTC fell 2.21% and settled at $92,100. The flagship cryptocurrency fell to an intraday low of $89,183 on Tuesday. However, it recovered from this level to reclaim $92,000 and settle at $92,914, ultimately rising 0.88%. Selling pressure returned on Wednesday as BTC fell to a low of $88,483 before settling at $91,461.

Source: TradingView

Selling pressure intensified on Thursday as BTC fell over 5%, slipping below $90,000 and settling at $86,536. Bearish sentiment persisted on Friday as BTC plunged to an intraday low of $80,524 before rebounding to reclaim $85,000 and settle at $85,068. Price action was mixed over the weekend as BTC fell 0.45% on Saturday before rising 2.51% on Sunday and settling at $86,808. The flagship cryptocurrency is marginally down during the ongoing session, trading around $86,715. 

Ethereum (ETH) Price Analysis 

Ethereum (ETH) has steadily recovered after dropping to a low of $2,620 on Friday. The world’s second-largest cryptocurrency ultimately settled at $2,766 before rising 0.12% on Saturday and 1.18% on Sunday to end the weekend at $2,802. ETH is up almost 2% during the ongoing session, trading around $2,827. 

While ETH has struggled during the ongoing market rout, Bitwise CIO Matt Hougan believes it could lead the next market rally, highlighting the Fusaka upgrade, scheduled for December 3, as a major catalyst. The Fusaka hardfork will introduce Peer Data Availability Sampling (PeerDAS), allowing validators to confirm transaction data availability by sampling small pieces of data rather than downloading complete blobs. This will make Layer2 rollup operations significantly faster, cheaper, and more efficient, while reducing bandwidth requirements. 

The upgrade also increases the block gas limit from 45 million to almost as high as 150 million, allowing blocks to accommodate more transactions, smart contracts, and data-intensive applications. Hougan stated on X, 

“Fusaka introduces a minimum fee for recording data from Layer 2s that could multiply revenue capture five to ten times. I suspect the market will start to orient around the positive impacts of Fusaka soon, particularly if it’s delivered Dec. 3 as expected.”

Meanwhile, BitMine has doubled down on its Ethereum bet despite the ongoing market slump. The company has purchased 21,537 ETH, continuing its accumulation strategy in the face of growing market uncertainty and billions in unrealized losses. The latest purchase takes BitMine’s ETH holdings to over 3.5 million, 3% of the altcoin’s circulating supply. According to Thomas Lee, the market downturn was the result of broader market mechanics rather than structural weaknesses. Lee cited the October liquidity shock, which wiped out billions in leveraged positions across the cryptocurrency market. 

ETH started the previous weekend in the red, dropping nearly 4% and settling at $3,113. The altcoin recovered on Saturday, rising 1.74% but returned to bearish territory on Sunday, dropping over 2% to $3,097. Sellers retained control on Monday as ETH fell 2.18% and settled at $3,030. Despite the overwhelming selling pressure, the price recovered on Tuesday, rising over 3% to cross $3,100 and settle at $3,124. Selling pressure returned on Wednesday as ETH plunged to a low of $2,871. However, it rebounded from this level to reclaim $3,000 and settle at $3,023, ultimately dropping over 3%.

Source: TradingView

Bearish sentiment intensified on Thursday as ETH fell over 6% and settled at $2,832. The altcoin dropped to an intraday low of $2,620 on Friday as selling pressure persisted. However, the price recovered from this level and settled at $2,766, ultimately dropping 2.33%. Price action was positive over the weekend as ETH registered a marginal increase on Saturday before rising 1.18% on Sunday and settling at $2,802. ETH is up almost 1% during the ongoing session, trading around $2,825.

Solana (SOL) Price Analysis

Solana (SOL) plunged to a low of $121 on Friday as selling pressure intensified. However, it reclaimed $130 by Sunday after registering an increase of 2.36%. The altcoin is marginally down during the ongoing session, trading around $129.

SOL has stabilized after a volatile week marked by heavy selloffs and a looming death cross between the 50-day and 200-day SMAs. The crossover has garnered substantial attention as traders assess whether SOL’s support zone around $120 can withstand growing pressure. The altcoin’s technical structure remains bearish, defined by a steep falling channel that has dictated every major price swing since September. However, despite SOL’s bearish setup, buyers have shown resilience at lower levels. If the $120 support is breached, SOL could drop to $100 or lower. Buyers must reclaim the $145 zone to show renewed strength.

SOL started the previous weekend in the red, dropping 4% and settling at $138. It registered a marginal recovery on Saturday before dropping 1.67% on Sunday and settling at $137. Selling pressure intensified on Monday as SOL fell 4.55% and settled at $130. Despite the overwhelming selling pressure, SOL recovered on Tuesday, rising over 7% and settling at $140. However, it returned to bearish territory on Wednesday, dropping to a low of $130 before settling at $137.

Source: TradingView

SOL reached an intraday high of $144 on Thursday but lost momentum after reaching this level. As a result, it fell 2.48% and settled at $133. Selling pressure intensified on Friday as SOL fell to an intraday low of $121. However, it rebounded from this level and settled at $128, ultimately dropping 3.69%. Price action was mixed over the weekend as SOL fell 0.83% on Saturday before rising 2.36% on Sunday and settling at $130. SOL is marginally down during the ongoing session, trading around $129.

Jupiter (JUP) Price Analysis

Jupiter (JUP) registered a sharp drop on Friday (November 14), falling 10.52% to $0.278. The price rose 1.62% on Saturday before falling 2.26% on Sunday, ending the weekend at $0.276. Sellers retained control on Monday as JUP fell over 5% and settled at $0.262. The price recovered on Tuesday, rising 1.65% to $0.266, but was back in the red on Wednesday, dropping 1.47% and settling at $0.262.

Source: TradingView

Sellers retained control on Thursday as JUP fell 3.49% and settled at $0.253. Selling pressure intensified on Friday as the price fell to an intraday low of $0.225. However, it recovered from this level and settled at $0.241, ultimately dropping nearly 5%. Price action was mixed over the weekend as JUP fell 2.60% on Saturday before registering a marginal increase on Sunday and settling at $0.235. JUP is marginally down during the ongoing session, trading around $0.234.

Near Protocol (NEAR) Price Analysis

Near Protocol (NEAR) registered a sharp drop on Friday (November 14), falling nearly 4% and settling at $2.353. It reached an intraday high of $2.621 on Saturday before settling at $2.405, ultimately rising over 2%. Selling pressure returned on Sunday as the price fell nearly 5% and settled at $2.289. Sellers retained control on Monday as NEAR fell almost 1% to $2.270. Despite the selling pressure, NEAR recovered on Tuesday, registering a marginal increase before rising by over 4% on Wednesday and settling at $2.376.

Source: TradingView

Bearish sentiment returned on Thursday as NEAR fell nearly 13% and settled at $2.069. Sellers retained control on Friday as the price fell 9.98% and settled at $1.863. Price action remained bearish over the weekend as NEAR fell 1.13% on Saturday and 1% on Sunday to settle at $1.823. NEAR is marginally up during the ongoing session, trading around $1.829.

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

* This article was originally published here

Top 3 Best Crypto Investments for 2026, One is Selling Fast at Just $0.035

As the crypto market shifts into its next phase, investors are scanning for tokens with serious upside. Established players still dominate headlines, but some new contenders are quietly gaining traction. The question isn’t just which crypto to invest in, but which one can deliver the greatest growth as we head into 2026.

Ripple (XRP)

XRP is trading around $2.17 USD, with a market cap near $130 billion USD. It sits among the largest cryptocurrencies by value, making it broadly known and widely held.

On the charts, XRP faces resistance around $2.30 to $2.35 USD, a level analysts have flagged as a critical barrier. Support lies roughly in the $2.15 to $2.20 USD area, and a fall below could expose weakness. Because it already has a high market cap and much of its utility is priced in, some investors believe it may offer steadier returns rather than explosive ones. For those seeking a top crypto to buy now with large multiple potential, the fact that XRP is established may reduce its leverage to sky-high gains.

Shiba Inu (SHIB) 

Shiba Inu is trading at about $0.000009 USD, with a market cap around $5.3 billion USD. In earlier years it delivered very high multiples, capturing investor attention as one of the meme-coin standouts.

Today, SHIB faces resistance near $0.00001075 to $0.00001200 USD, with support around $0.00000900 USD. Though it still carries community appeal, its massive token supply and reliance on sentiment mean many investors are now looking for tokens with stronger structural utility. In short, while SHIB may still move, its path toward major multiples appears more limited compared with earlier-stage assets.

Mutuum Finance (MUTM) 

Mutuum Finance is building a dual-lending protocol where users deposit assets and receive mtTokens that earn yield, while borrowers engage via defined loan-to-value (LTV) rules and automated liquidations. The model embeds utility rather than relying solely on hype. 

The project has raised around $18.7 million USD and has onboarded over 18,000 holders. The token is currently priced at $0.035 USD, positioning it among the new crypto tokens under $1 that are drawing attention. Phase 6 of its presale has advanced rapidly, signalling strong interest from investors looking at what crypto to invest in for 2026.

Why Early Investors of XRP & SHIB Are Eyeing MUTM

Investors who made early bets on XRP or SHIB understand what it takes to capture large growth: early positioning, community momentum and protocol innovation. With XRP, much of the run-up has already occurred and growth potential may be more muted. With SHIB, the supply and sentiment-driven nature create structural limits.

Mutuum Finance offers a different profile: low entry price, utility built into the token mechanics, and a project still early in its cycle. The kinds of investors asking what crypto to buy now with serious upside are increasingly pointing toward tokens like MUTM. Its roadmap includes an upcoming V1 launch confirmed on the project’s X account. Once the protocol delivers as promised, many view it as following the same kind of early-stage pathway that generated major multiples for earlier altcoins.

Community & Structural Signals

Mutuum Finance features a 24-hour leaderboard where daily top contributors receive rewards, strengthening community engagement. The strong security foundations, including an audit score of 90/100 by CertiK and a $50k bug bounty, add credibility to the ecosystem. Most importantly, Phase 6 is now well over 89% allocated, signalling full presale momentum and a tightening window for new entries. With liquidity building and distribution advancing, the token is positioning itself as a significant new crypto contender for 2026.

In summary, while XRP and SHIB continue to serve a purpose in many portfolios, their structures suggest more modest growth potential at this stage. Mutuum Finance stands apart as a new crypto asset under $0.05 with meaningful utility, growing holder base and activation momentum. 

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.

* This article was originally published here

Brazil Faces Surge in WhatsApp Worm Attacks Targeting Crypto and Banking Apps

A newly identified WhatsApp-based worm-and-trojan campaign in Brazil is compromising crypto wallets and bank accounts through a rapidly spreading malware cluster dubbed Eternidade.

Researchers Identify New Multi-Stage Threat

Brazilian crypto users are being warned about an emerging malware operation that leverages WhatsApp hijacking to spread a banking trojan designed to harvest financial credentials. Trustwave SpiderLabs researchers have disclosed that the campaign revolves around a newly identified stealer known as Eternidade, a Delphi-based malware capable of dynamically updating its command-and-control infrastructure and stealthily collecting data from victims.

Researchers Nathaniel Morales, John Basmayor, and Nikita Kazymirskyi noted that WhatsApp remains central to Brazil’s cybercriminal ecosystem, stating, 

“WhatsApp continues to be one of the most exploited communication channels in Brazil’s cybercrime ecosystem. Over the past two years, threat actors have refined their tactics, using the platform’s immense popularity to distribute banker trojans and information-stealing malware.”

How the Infection Chain Works

According to the research team, the ongoing operation begins with social engineering messages delivered via WhatsApp. These lures mimic familiar formats, such as delivery notifications, fraudulent investment groups, and “fake government programs”, to trick recipients into clicking malicious links.

Once clicked, the link triggers the deployment of both a hijacking worm and the Eternidade banking trojan. The worm immediately takes control of the victim’s WhatsApp account, extracts the contact list, and selectively targets individual contacts using “smart filtering,” bypassing business groups to maximize the likelihood of personal engagement.

Simultaneously, a trojan file is silently downloaded on the device. This component installs the Eternidade Stealer in the background, enabling attackers to scan for credentials tied to major Brazilian banks, fintech platforms, and cryptocurrency exchanges and wallets.

Adaptive Command-and-Control via Gmail

One of the campaign’s most crucial traits is its unconventional method for receiving updated commands. Instead of relying on static server addresses, Eternidade uses hardcoded credentials to log into a Gmail account via IMAP. This allows the attackers to send updated instructions simply by emailing the controlled account.

The researchers highlighted this technique in their report: 

“One notable feature of this malware is that it uses hardcoded credentials to log into its email account, from which it retrieves its C2 server. It is a very clever way to update its C2, maintain persistence, and evade detections or takedowns on a network level. If the malware cannot connect to the email account, it uses a hardcoded fallback C2 address.”

Related Malware Activity

The Eternidade operation follows closely behind another Brazil-focused malware wave known as Water Saci, which used a WhatsApp Web worm called SORVEPOTEL to distribute Maverick, a .NET-based banking trojan linked to earlier Coyote malware variants. These incidents underscore a persistent trend in the region: the use of WhatsApp as a primary vector and the enduring reliance on Delphi-based tools for malware development.

Safety Recommendations

Security experts are advising WhatsApp users to avoid clicking unfamiliar links, even when sent by trusted contacts. Confirming suspicious messages through alternate communication channels is recommended, particularly when little context accompanies the link.

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice

* This article was originally published here

How to Stake XRP on Tundra: A Step-by-Step Guide to Earning 20% APY in 2025

Market attention has shifted sharply toward yield-bearing assets in early 2025 as XRP holders look for secure ways to turn long-term positions into passive income. The XRPL’s expanding institutional profile — driven by rising ODL settlement volume, renewed ETF inflows and the upcoming EVM sidechain — has created a moment where demand for real, on-ledger staking tools is higher than ever.

XRP Tundra enters this environment at a decisive inflection point for the ecosystem. The project has confirmed a major institutional acquisition, Tier-1 exchange integration and an accelerated December 15 launch. As part of the agreement, the institution approved a final 48-hour retail window at $0.01, marking the last time TUNDRA-S will be available at this price before institutional terms take effect. Every purchase delivers both tokens — TUNDRA-S on Solana and TUNDRA-X on the XRP Ledger — preserving the dual-token entry model.

Tundra’s XRP Staking Arrives at a Critical Moment for the XRPL

The XRPL’s momentum has been building since late 2024, supported by clarity from US regulators, consistent ETF inflow data and renewed liquidity from remittance corridors. Analysts tracking institutional demand expect 2026 to be an inflection point as Ripple’s enterprise activity grows and millions of XRP holders search for meaningful yield. Tundra’s architecture is built to serve that transition.

The project’s dual-token system — TUNDRA-S on Solana for execution and TUNDRA-X on XRPL for governance and reserves — creates a cross-chain engine that can support significant total value locked once staking opens. It forms part of a broader flywheel that also includes the upcoming GlacierChain Layer-2, Frost Key NFTs and protocol revenue channels.

A number of crypto analysts reviewing new XRPL infrastructure developments referenced these mechanics in recent coverage, including Crypto League’s video. With a large, established community already seeking non-custodial staking and verifiable revenue distribution, Tundra’s timing aligns cleanly with market demand. 

How Cryo Vaults Work: The Four Staking Tiers Explained

Cryo Vaults operate like blockchain-based savings accounts. Each vault tier includes a fixed lock period, a target APY range and a reward distribution structure designed to match the staker’s preferred timeline.

• Permafrost Vaults function as the entry tier, offering short commitments that typically range from one to four weeks. They focus on accessibility and quick rotation, giving new users the ability to test the system without long lock periods.

• Glacier Vaults extend commitments to roughly one to two months, pairing moderate lock times with enhanced yield potential supported by additional protocol integrations. These vaults are often favored by users seeking a balance between higher returns and predictable access.

• Polar Vaults serve more committed stakers, introducing longer windows of up to 90 days. Their design includes access to deeper reward streams and premium allocation strategies that distribute a larger share of ecosystem revenue.

• Blizzard Vaults sit at the top of the structure. They offer the highest base rates and introduce liquidity-linked bonuses, daily compounding mechanics and automated reinvestment features. Their longer commitment periods allow the protocol to deploy capital more efficiently, which contributes to higher overall reward potential.

All vaults settle on Solana, chosen for its low fees and high throughput — features that make frequent reward distribution and compounding economically viable.

Where XRP Tundra’s Yield Comes From: A Revenue-Backed Model

The sustainability of staking rewards is central to the platform’s long-term design. Unlike the inflated or custodial “XRP staking” schemes that previously circulated in the market, Cryo Vault yields originate entirely from verifiable revenue rather than newly printed supply.

A significant portion of protocol fees — covering swaps, lending activity, derivative volume and cross-chain bridge usage — flows directly into Tundra’s reward vaults. During periods of high network activity, the share of these fees redirected to stakers can reach elevated levels, creating rising APYs without introducing inflation.

Frost Key NFT revenue supports the same engine. Mint fees and secondary-market activity route into treasury pools that strengthen base rates throughout all tiers. The TUNDRA-X governance token also contributes through its reserve accumulation mechanism, where a share of protocol fees purchases and locks TUNDRA-X to back premium-tier vaults.

Both TUNDRA-S and TUNDRA-X have hard-capped supplies. There are no admin mint functions, no hidden allocations and no ability for the team to modify supply parameters. The protocol uses a no-rehypothecation model, meaning staked assets are never redeployed without user consent. This combination mirrors the models seen in established revenue-share ecosystems like GMX and Gains Network.

Security, Audits and KYC: What XRP Stakers Can Verify Today

The security stack around Cryo Vaults is built to remove common trust barriers that often block institutional and retail participation. XRP Tundra’s smart contracts have undergone multiple independent audits, including reviews from Cyberscope, Solidproof and FreshCoins, with reports publicly accessible for verification.

The team itself is fully doxxed and KYC-verified through Vital Block, with documentation hosted as a signed certificate. Contracts are open-source and verified on-chain, and the design excludes admin mint keys or opaque allocation mechanisms. A live revenue dashboard tracks protocol earnings in real time, enabling stakers to match published APY ranges to actual on-chain cashflows.

How to Stake XRP on Tundra: A Step-By-Step Walkthrough

The staking process is structured so that XRP holders can move from discovery to active participation in a clear sequence. This flow is mirrored on mobile, where biometric authentication and notifications provide additional assurance and convenience:

1. Choose a Cryo Vault tier.Users start by selecting Permafrost, Glacier, Polar or Blizzard based on preferred lock duration and target yield. Shorter terms suit cautious first-time stakers; longer ones aim for higher effective APY.

2. Connect a compatible wallet.Through the Tundra interface, users connect a supported software or hardware wallet. The dashboard then displays available vaults, base rates, term lengths and any Frost Key or ecosystem multipliers.

3. Deposit and confirm the stake.After choosing the amount of XRP to allocate, the user confirms the transaction. Once settled, the position appears in the Cryo Vault dashboard with real-time tracking of principal, accrued rewards and remaining time until unlock.

4. Monitor and manage rewards.Rewards accrue daily using a compound-interest model. Users can enable auto-compounding within the same vault, direct rewards into higher-tier vaults as they unlock, or leave them un-staked for liquidity. The Solana-based execution layer keeps transaction costs low even with frequent updates.

5. Claim or roll over at maturity.When the lock period ends, users can withdraw principal and rewards back to their wallet or roll the position into a new term. For those who prefer more frequent access, Tundra supports on-demand claiming during the cycle, subject to vault rules, allowing partial realization of gains while keeping the core position active.

The combination of transparent revenue flows, fixed token supply and verifiable distribution supports a staking ecosystem built for long-term stability. As new liquidity products, NFT utilities and cross-chain Layer-2 integrations come online, reward streams are expected to broaden alongside rising network activity.

Secure the final $0.01 allocation before retail access closes and follow official updates as the December 15 launch approaches.

Buy Tundra Now: official XRP Tundra websiteHow To Buy Tundra: step-by-step guideSecurity and Trust: FreshCoins auditJoin The Community: Telegram

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.

* This article was originally published here

Positioning for Q4’s Explosive Surge – Learn What Whales Are Buying Now, Including $TAP at $0.0297

With sentiment turning bullish, fueled by catalysts such as the end of the US government shutdown and a dividend payment to Americans, whales are going on a buying spree. The most promising altcoins to buy now, based on investors' interest, are the Solana coin, TRX crypto and Digitap ($TAP). 

Boasting significant upside potential—the recent launch of ETFs adds to its appeal—SOL is arguably the best crypto to buy now among the top altcoins. Additionally, TRON is set for a new peak, surpassing previous highs. Finally, $TAP, a low-cap coin at the intersection of DeFi and TradFi, is a must-have. By blurring the line between cash and crypto and having plenty of room to run, it has been hailed as the most profitable crypto presale of 2025. 

Digitap: Betting on the Next Big Thing – Why Are Whales Buying? 

Digitap's appeal spans its significant growth prospects and unique offering as an innovative payment solution. As an emerging cryptocurrency, its upside potential is staggering, prompting experts to hail it as the most promising crypto presale of Q4. 

Additionally, by enabling users to spend cash like crypto through a globally accepted Visa card, it is a game-changer. Its virtual and physical cards are co-branded by Visa for global acceptance online and in-store. Furthermore, these cards are fully integrated with Google Pay and Apple Pay, allowing users to tap to pay for a seamless payment experience. 

Equally important, as the world’s first omni-bank, users can hold more than one asset and spend from a unified balance. Amid imminent mainstream adoption, whales have been stacking up, pushing early funding past $1.8 million in record time. A 4,000% gain is projected this year after its market debut later this year, making it arguably the best crypto presale of 2025.

USE THE CODE “DIGITAP15” FOR 15% OFF FIRST-TIME PURCHASES

 

Solana Coin to $1,000? Probably the Best Crypto to Buy Now

The Solana coin, ranking among the top 10 cryptocurrencies, trades above $150. Set for a breakout as sentiment tilts toward bullishness in Q4, analysts have hailed it as the best crypto to buy now. 

CryptoCurb, a top analyst with over 50,000 followers on X (formerly Twitter), predicts the Solana coin will reach $1,000, a bare minimum in their view. At its current price, it offers a low entry, making it a compelling investment option this year. 

Bulls pushing the altcoin price above its January all-time high of $294 may be the start of a significant uptrend. Additionally, substantial inflows into SOL ETFs will contribute to this surge in the Solana coin price. 

TRX Coin to Surpass Previous Highs? A Promising Wave Not to Miss 

TRX crypto is another altcoin on whales’ radars. In the top ten, it is a favorite among both institutional investors and small-scale traders. A 4% gain this week pushed the Layer-1 coin above $0.29, approaching a breakout above its 30-day high of $0.32. 

As one of the best penny cryptos of 2025, TRX crypto has substantial growth prospects. Its low cost makes it a favorite among retailers, considering they don’t have to break the bank before positioning for significant gains. This adds to its appeal as one of the most promising altcoins to buy in November. 

Stiven09, via a post on X, hints that the TRX crypto may surpass $0.36 and $0.45 in the near term. A breakout above this level will push the Layer-1 coin above its 2024 all-time high of $0.44 and may soar higher, placing it on the list of high-potential altcoins to buy ahead of the explosive Q4 rally. 

SOL, TRX & $TAP – Must-Have Cryptos in Q4 

While the Solana coin and TRX crypto may enter price discovery, Digitap has more room to run as a low-cap coin. Besides the projected 4,000% rally after its market debut, the expected 371% gain at the launch price of $0.14 (the current price is $0.0297 in the second ICO round) makes it a must-have. Additionally, its blend of DeFi and TradFi, combined with its novelty as the world’s first omni-bank, positions it as the most promising crypto presale of 2025. 

Discover how Digitap is unifying cash and crypto by checking out their project here:

Presale: https://presale.digitap.app 

Website: https://digitap.app   

Social: https://linktr.ee/digitap.app 

Win $250K: https://gleam.io/bfpzx/digitap-250000-giveaway Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice

* This article was originally published here

Top 3 Reasons Why Crypto Investors Should Consider Staking Platforms Such as XRP Tundra

Institutional rotations, volatile market cycles and renewed interest in revenue-based crypto ecosystems have pushed staking protocols back into the center of investor attention. As traders move away from short-lived momentum plays and seek predictable income, the platforms capable of offering verifiable, sustainable yield are receiving the most scrutiny. That shift has placed XRP Tundra, a dual-chain staking ecosystem built on Solana and the XRP Ledger, among the most closely watched projects going into 2026.

The broader landscape has also created the perfect backdrop for this evaluation. Bitcoin has experienced dramatic swings in the past month, liquidating leveraged positions and pushing short-term holders into loss territory. Meanwhile, the XRP ecosystem is preparing for a potential structural breakout driven by ETF traction, ODL expansion and the incoming XRPL EVM sidechain. Against this environment, investors increasingly look for staking platforms grounded in real revenue and backed by transparent contract architecture — standards that XRP Tundra attempts to meet directly.

Reason 1: Revenue-Backed Yield Models Are Becoming the New Standard

One of the strongest arguments for platforms such as XRP Tundra is the pivot toward revenue-driven yield mechanics. Investors are no longer satisfied with inflation-based APYs, especially after multiple high-profile “staking” schemes diluted their token supply or collapsed when new deposits slowed. The Cryo Vaults inside the XRP Tundra ecosystem were designed to address that issue directly.

All staking rewards are backed entirely by protocol-generated revenue. Fees from swaps, lending, derivatives, bridging flows and future product integrations across TUNDRA-S (Solana) and the GlacierChain L2 feed into the yield pool. Frost Key NFT mints and secondary-market activity add an additional revenue layer, while a share of protocol income is used to market-buy and permanently lock TUNDRA-X inside the governance treasury. There is no inflationary minting, no hidden emissions and no custodial risk. The reward rate adjusts with network activity, similar to how GMX or Gains Network operate.

This approach has caught analyst attention, including breakdowns from creators such as Crypto Infinity, whose recent coverage focused on why real-yield ecosystems are outperforming speculative tokens in uncertain markets. With on-chain dashboards allowing investors to track every fee earned, the model offers the transparency institutions increasingly demand.

Reason 2: XRP Tundra’s Dual-Chain Architecture Gives XRP Holders Real Utility

The second major reason investors are evaluating XRP Tundra is the architecture behind it: a dual-token, dual-chain system that merges Solana’s execution speed with XRPL’s reliability. TUNDRA-S powers high-throughput operations, while TUNDRA-X anchors governance, treasury reserves and upcoming Layer-2 activity through GlacierChain, the planned XRPL-centric L2 designed to bring scalable DeFi infrastructure to millions of XRP holders.

This structure aligns with the broader bull-case thesis the community has begun circulating. If current trends continue into early 2026, the XRPL may see its most significant expansion to date. ETFs, clearer regulation, expanding ODL corridors and the arrival of the EVM sidechain create the environment investors have waited years to see. In such a scenario, a large share of the XRP community — long deprived of legitimate yield options — could migrate into Cryo Vaults, Frost Keys and on-ledger governance, driving substantial TVL inflow within weeks of launch.

GlacierChain will launch as a dedicated XRPL Layer-2, and TUNDRA-X will serve as its governance and reserve asset from day one. TUNDRA-S will run the execution layer on Solana, providing the throughput required for high-frequency DeFi activity. Together, the two tokens create a cross-chain system built to handle real volume, which is why analysts expect adoption to accelerate as the XRP market strengthens.

Reason 3: Trust, Transparency and Anti-Dump Mechanics Differentiate XRP Tundra

The third major factor drawing investor attention is credibility. Staking protocols require heightened trust, particularly when they involve major L1 assets such as XRP. This is why one of the most common due-diligence questions in the community is “is XRP Tundra legit” — a query that leads investors directly to the project’s verification stack, including audits from Cyberscope, Solidproof and FreshCoins, alongside full KYC verification through Vital Block. These independent reviews confirm the absence of mint functions, admin keys or hidden allocations, giving investors the security baseline expected from institutional-grade staking products.

In addition to audit transparency, XRP Tundra deploys DAMM V2 liquidity mechanics on Solana to prevent the early dumping patterns that commonly destabilize new tokens. Dynamic fees begin extremely high and decline over time, discouraging bots and short-term sellers while creating a more orderly price discovery process. Because all smart contracts are open-source and revenue activity is tracked in real time through on-chain dashboards, investors can verify each component directly rather than relying on marketing claims.

Presale Window Provides Early Entry Ahead of the Listing 

The final variable investors consider is access. XRP Tundra is currently in Phase 12 of its presale, offering TUNDRA-S at $0.214 with an 8% token bonus and allocating TUNDRA-X for free at its reference value of $0.107. Both assets have fixed listing prices — $2.5 for TUNDRA-S and $1.25 for TUNDRA-X — giving early participants a clear valuation map ahead of launch.

Because the token supply is hard-capped and unsold tokens are burned at launch, early presale phases are structurally advantaged. Combined with the project’s cross-chain flywheel and revenue-backed staking, analysts expect the listing period to be closely watched. Many are preparing for the supply compression and TVL inflows that typically accompany real-yield protocols approaching activation of their staking modules.

Secure your Phase 12 allocation and follow verified updates as listing approaches.

Buy Tundra Now: official XRP Tundra websiteHow To Buy Tundra: step-by-step guideSecurity and Trust: Cyberscope auditJoin the Community: X (Twitter)

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.

* This article was originally published here

Tapbit Marks 4th Anniversary with Continued Focus on Innovation and User Trust

Denver, Colorado, USA, November 19th, 2025, Chainwire

Tapbit, a leading global cryptocurrency exchange, proudly celebrates its fourth anniversary. Since its founding in 2021, Tapbit has upheld the core values of security, stability, and innovation, providing efficient and reliable digital asset trading services to users worldwide. Over the past four years, Tapbit has established itself as a prominent player in the crypto trading industry, gaining widespread recognition for its robust technology, market performance, and user trust.

“Four years is just the beginning. We believe that trust and innovation are the core competitive advantages of a cryptocurrency exchange.” – Lucas, CEO of Tapbit

From Startup to Takeoff: Four Years of Global Trust

Founded in 2021 as the successor to Billance Exchange, Tapbit has consistently focused on building a secure, reliable, and transparent trading environment. The platform currently supports over 1,000 trading pairs, including major cryptocurrencies such as Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Polkadot (DOT), and USDC.

Tapbit is recognized for its outstanding market liquidity, consistently ranking among the top ten liquidity exchanges on CoinMarketCap. To further safeguard user assets, the platform has established a $50 million insurance fund, covering losses resulting from platform-related issues.

As of 2025, Tapbit has attracted over 12 million registered users worldwide. Over the past four years, the platform has continuously upgraded its features, including copy trading, matching engine optimizations, and enhanced risk management systems, delivering a safer and more efficient trading experience.

4th Anniversary Celebration: Shining at TOKEN2049, Embarking on a New Journey

In 2025, Tapbit marked its fourth anniversary with a grand celebration at the TOKEN2049 Singapore Summit, held at Marina Bay Sands Expo & Convention Centre. The Tapbit booth became a focal point at this globally renowned blockchain event.

During the celebration, Tapbit hosted interactive activities such as AMA (Ask Me Anything) live sessions, treasure hunts, and scratch card giveaways, attracting significant participation from crypto enthusiasts. In addition, Tapbit launched a zero-fee trading campaign, allowing users to explore the crypto world without transaction costs.

The AMA sessions featured renowned crypto KOLs and influencers who shared market insights and trading strategies, while attendees received Tapbit-branded gifts and exclusive rewards. This event highlighted Tapbit’s commitment to its community and further strengthened its global brand presence.

Challenges and Opportunities Coexist: Navigating the Future with Resilience and Innovation

The crypto market is ever-changing. Over the past four years, Tapbit has navigated bull and bear cycles, regulatory changes, and technological challenges. Yet, as CEO Lucas notes:

“Every era needs visionaries looking to the stars. Tapbit strives to be a trusted harbor for users, even in volatile markets.”

Tapbit prioritizes user safety, risk management, and education, providing structured trading tutorials to help new users get started quickly. In the copy trading domain, Tapbit distinguishes itself with rigorous trader evaluations, including professional competence, risk management, and historical performance, enabling users to trade confidently.

These innovative practices have enhanced user experience and solidified Tapbit’s reputation as a safe, reliable, and user-focused platform.

Looking Ahead: Four Years of Achievements, New Horizons Await

The fourth anniversary marks both a milestone and a new beginning. Tapbit will continue to deepen its presence in the crypto space, expand trading pairs, enhance market liquidity, and strengthen global compliance.

Future initiatives include exploring Web3 opportunities, NFT marketplaces, and DeFi integration, providing users with a secure environment for wealth creation and access to emerging digital asset ecosystems.

“We sincerely thank every user, partner, and community member for their trust and support. Tapbit will continue to look to the stars while staying grounded, writing new chapters in the crypto era over the next four years.” Tapbit team representative Miki

About Tapbit

Founded in 2021, Tapbit is a global cryptocurrency exchange offering a comprehensive suite of products including spot trading, derivatives, and financial services. With top-tier security infrastructure, a professional matching system, and multiple international regulatory licenses, Tapbit is dedicated to providing users worldwide with a secure, efficient, and user-friendly digital asset trading experience.

Media Contact

Email: zed@tapbit.com

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* This article was originally published here

The 3 Most Promising Tokens for Q1 2026, SHIB, PEPE and New Crypto Token Compared

As Q1 2026 approaches, investors are searching for the top crypto opportunities that may lead the next market cycle. Meme coins like SHIB and PEPE remain popular, but newer projects are beginning to attract attention for different reasons. Some early signals suggest that one new crypto may be moving into a stronger position than both of the well-known meme tokens, creating curiosity about how these three assets stack up against each other.

Pepe Coin (PEPE)

Pepe Coin has delivered several volatile moves in recent months, and it continues to be one of the most talked-about meme tokens. PEPE is trading close to $0.00000505, with a market cap near $2.1 billion USD. With roughly 420 trillion tokens in circulation, the supply is massive, and this makes strong price growth more difficult unless the market enters a very bullish phase.

PEPE is also fighting heavy resistance. Several analysis points list resistance near $0.00000530, $0.00000570, and $0.00000594. The token has struggled each time it attempts to move above this range. Below that, support sits around $0.00000460 and $0.00000440, meaning even small sell-offs can push the price lower quickly.

Shiba Inu (SHIB)

Shiba Inu remains one of the biggest meme tokens on the market. SHIB is trading around $0.00000912, with a market cap of roughly $5.3 billion USD. Its supply sits at an enormous 589 trillion tokens, which is one of the biggest challenges for long-term growth. With so many tokens in circulation, climbing to higher price levels becomes mathematically difficult.

SHIB is struggling against major resistance zones in the $0.00001075 to $0.00001160 region. Attempts to break out above this band have been rejected, and momentum remains weak. On the downside, support sits between $0.00000900 and $0.00000850, showing that the market is still cautious.

Given the resistance, the supply size and the lack of strong utility drivers, many price outlooks remain muted. A small move upward is possible, but projections suggest that SHIB may stay range-bound through Q1 unless the broader market turns extremely bullish.

Mutuum Finance (MUTM)

The third token in this comparison is Mutuum Finance (MUTM), a new crypto building a decentralized lending and borrowing protocol. The project combines Peer-to-Contract lending through liquidity pools with mtTokens, which represent deposit positions and earn yield over time. It also introduces a Peer-to-Peer marketplace for borrowers seeking flexible terms and different rate types.

Mutuum Finance is in its presale stage and has already raised $18.8 million, bringing together more than 18,000 holders. Out of a total supply of 4 billion tokens, 45.5% is allocated to the presale, and over 800 million tokens have been sold so far. The presale began at $0.01 and increased to $0.035, marking a 250% rise from the first phase. Phase 6 is also moving quickly, with more than 85% allocated.

One reason interest remains strong is the V1 release planned for Q4 2025 on the Sepolia testnet. Mutuum Finance confirmed through its official X account that V1 will include the liquidity pool, mtToken system, debt tokens, the liquidator bot and support for ETH and USDT. These early product details help position MUTM as more than a presale token, which creates stronger confidence among early buyers.

Price Outlook

One of the most important features of the project is the mtToken system. Users who supply assets receive mtTokens, which automatically accumulate yield based on lending activity. Borrowers take out loans against collateral at variable or stable rates, and liquidations occur automatically if positions fall below required thresholds.

Another major element is the buy-and-distribute model. Under this mechanism, MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This structure creates ongoing buying activity tied to protocol usage, which some investors see as a long-term growth driver.

Mutuum Finance also plans to rely on strong oracle infrastructure, such as Chainlink feeds, aggregated data sources and fallback oracles. These systems help maintain accurate pricing for collateral values and protect users from liquidation errors.

Because MUTM is still early in its lifecycle and has room to grow after launch, projections for Q1 2026 are stronger than those of SHIB or PEPE. While the token is priced at $0.035 in the presale, many observers believe it could move toward and above its launch price of $0.06 once V1 goes live. The fact that early participants in Phase 1 are positioned for around 500% appreciation at launch also creates stronger long-term interest around the token.

Stablecoin and Layer-2 Plans

Beyond lending markets, Mutuum Finance is also working on a USD-pegged stablecoin that will be minted and burned on demand. Stablecoins are one of the most important tools in DeFi, and having an in-house stablecoin gives Mutuum Finance a long-term advantage over simpler projects.

Layer-2 expansion is also expected later in the roadmap. Launching on additional networks increases user access, improves transaction speed and reduces gas costs. These upgrades help Mutuum Finance fit into the growing ecosystem of efficient, multi-chain DeFi tools.

These long-term plans give MUTM an edge over both PEPE and SHIB. While SHIB and PEPE rely almost fully on community sentiment, MUTM offers actual protocol utility, stablecoin integration and multi-chain potential. Because of this, its long-term projections appear stronger in comparison.

SHIB and PEPE remain meme tokens, both face strong resistance, large supply problems and limited near-term upside. Mutuum Finance, on the other hand, is building a full DeFi crypto ecosystem with lending markets, stablecoin plans and the upcoming V1 launch. With Phase 6 selling out quickly, whale inflows rising and technical development confirming steady progress, many believe MUTM could be the stronger contender among the three heading into Q1 2026.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.

* This article was originally published here