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🟡A crypto millionaire is stirring the pot with a bold claim, saying investors should steer clear of Solana $SOL and Ripple $XRP for now. Instead, the focus is shifting to an altcoin priced below $0.05 that’s catching fire in the crypto market. That token is Mutuum Finance (MUTM), a decentralized lending project currently in its presale phase. As of February 21, 2025, Mutuum Finance (MUTM) has raised $1,143,097.25, boasts 2,420 holders, and sits at  $0.015 per token. This news comes as the project enters its second presale phase, signaling strong demand from early buyers. 🟡So, what’s driving this shift away from established names toward this low-cost altcoin? The answer lies in the numbers and the promise of what’s ahead. While Solana and Ripple hold their own, Mutuum Finance (MUTM) offers a rare chance at a 300% profit at launch, when the token goes live in the open market at $0.06. In addition, MUTM is set to hit $1, a 66x surge post-listing, making it a hot topic among traders. 🟡This advice isn’t just chatter. It’s rooted in the reality of Mutuum Finance (MUTM)’s presale success. Investors are jumping in early, drawn by the project’s practical use and clear growth path. Unlike speculative bets, this altcoin ties into a working decentralized finance ecosystem that’s already showing traction. Let’s break down why this millionaire is waving off Solana and Ripple and pointing to Mutuum Finance (MUTM) as the one to watch.

Solana $SOL Might Be Dying, but Its Rival Mutuum Finance (MUTM) Won’t Slow Down A sharp decline in user activity and capital outflows has left Solana ($SOL ) grappling with growing skepticism. Data from Glassnode reveals a 40% drop in weekly active addresses since November 2024, coupled with a 29% price plunge over the past month. The collapse of high-profile memecoins like Libra, which erased $4 billion in investor funds after insiders drained $107 million in liquidity, has accelerated the erosion of trust. Meanwhile, Mutuum Finance (MUTM) is capitalizing on this shift, drawing investors to its presale with a 600% profit guarantee at launch and predictions of a 100x surge in 2025. Launched a few days ago, the presale has already raised over $1.1 million and gained more than 2,500 unique holders. Solana’s Struggles Intensify Solana’s reputation as a blockchain innovator is under strain. Once hailed for its speed and scalability, the network is now facing a 5.9% monthly capital outflow, driven largely by memecoin-related scandals. User activity has plummeted to 9.5 million weekly active addresses in February, down from 15.6 million in late 2024. CryptoVizArt, a Glassnode analyst, attributes this to fading confidence in memecoin projects and rising concerns over security. Solana (SOL) Might Be Dying, but Its Rival Mutuum Finance (MUTM) Won’t Slow Down A sharp decline in user activity and capital outflows has left Solana ($SOL ) grappling with growing skepticism. Data from Glassnode reveals a 40% drop in weekly active addresses since November 2024, coupled with a 29% price plunge over the past month. The collapse of high-profile memecoins like Libra, which erased $4 billion in investor funds after insiders drained $107 million in liquidity, has accelerated the erosion of trust. Meanwhile, Mutuum Finance (MUTM) is capitalizing on this shift, drawing investors to its presale with a 600% profit guarantee at launch and predictions of a 100x surge in 2025. Launched a few days ago, the presale has already raised over $1.1 million and gained more than 2,500 unique holders. Solana’s Struggles Intensify Solana’s reputation as a blockchain innovator is under strain. Once hailed for its speed and scalability, the network is now facing a 5.9% monthly capital outflow, driven largely by memecoin-related scandals. User activity has plummeted to 9.5 million weekly active addresses in February, down from 15.6 million in late 2024. CryptoVizArt, a Glassnode analyst, attributes this to fading confidence in memecoin projects and rising concerns over security. The Libra token collapse exemplifies this crisis. Endorsed by Argentine President Javier Milei, the project’s dramatic rug pull triggered a 94% price crash within hours. This incident, alongside $7.7 million in capital migrating to Arbitrum and $6.9 million to Ethereum, signals a broader exodus. While some analysts argue this purge of bad actors could strengthen Solana long-term, short-term challenges are undeniable. Mutuum Finance Gains Momentum As Solana falters, Mutuum Finance (MUTM) is emerging as a magnet for disillusioned investors. The project has raised $1,143,097.25 in its ongoing presale phase two, attracting 2,420 holders at a current price of $0.015. Early participants are positioned for a guaranteed 550% return when the token launches at $0.06, and a 66x gain as analysts forecast a climb to $1 in 2025. Mutuum Finance distinguishes itself through tangible utility. Its decentralized lending platform allows users to borrow against crypto assets without selling them, while lenders earn passive income through flexible interest rates. The upcoming launch of an overcollateralized stablecoin, backed by on-chain reserves, adds stability and utility, addressing common DeFi pain points. Strategic Advantages Fuel Growth Mutuum Finance’s presale structure incentivizes rapid participation. The first phase sold out within days, with phase two now underway. A $100,000 giveaway targeting early supporters further amplifies urgency, rewarding engagement across social channels. The project’s buy-and-distribute mechanism creates sustained demand. A portion of platform fees will automatically purchase MUTM tokens from the market, redistributing them to stakers. This system ensures continuous buying pressure, supporting price stability and growth. With a beta platform launching alongside exchange listings, Mutuum Finance avoids the “vaporware” stigma plaguing many presale projects. Solana’s current woes highlight the risks of hype-driven investments. In contrast, Mutuum Finance combines operational transparency with a clear roadmap. Its presale success reflects market appetite for projects prioritizing real-world utility over speculative trends. The clock is ticking for investors seeking entry at discounted prices. As Solana works to rebuild trust, Mutuum Finance (MUTM) is positioned to capture market share, offering a structured path to high returns. With the presale advancing swiftly, delaying action risks missing the 550% launch gain, and the potential for a 67x leap in 2025. Act Now or Miss Out Solana’$SOL struggles underscore the volatility of memecoin-driven ecosystems. Mutuum Finance (MUTM) represents a pivot toward sustainable DeFi solutions, merging lending innovation with investor incentives. The presale’s Phase 2 offers a rare chance to secure tokens before exchange listings and platform launches drive demand. Those who wait risk paying higher prices in later stages, or worse, watching from the sidelines as early adopters reap exponential gains. 

Solana $SOL Might Be Dying, but Its Rival Mutuum Finance (MUTM) Won’t Slow Down A sharp decline in user activity and capital outflows has left Solana ($SOL ) grappling with growing skepticism. Data from Glassnode reveals a 40% drop in weekly active addresses since November 2024, coupled with a 29% price plunge over the past month. The collapse of high-profile memecoins like Libra, which erased $4 billion in investor funds after insiders drained $107 million in liquidity, has accelerated the erosion of trust. Meanwhile, Mutuum Finance (MUTM) is capitalizing on this shift, drawing investors to its presale with a 600% profit guarantee at launch and predictions of a 100x surge in 2025.  Launched a few days ago, the presale has already raised over $1.1 million and gained more than 2,500 unique holders.  Solana’s Struggles Intensify   Solana’s reputation as a blockchain innovator is under strain. Once hailed for its speed and scalability, the network is now facing a 5.9% monthly capital outflow, driven largely by memecoin-related scandals. User activity has plummeted to 9.5 million weekly active addresses in February, down from 15.6 million in late 2024. CryptoVizArt, a Glassnode analyst, attributes this to fading confidence in memecoin projects and rising concerns over security.   Solana (SOL) Might Be Dying, but Its Rival Mutuum Finance (MUTM) Won’t Slow Down A sharp decline in user activity and capital outflows has left Solana ($SOL ) grappling with growing skepticism. Data from Glassnode reveals a 40% drop in weekly active addresses since November 2024, coupled with a 29% price plunge over the past month. The collapse of high-profile memecoins like Libra, which erased $4 billion in investor funds after insiders drained $107 million in liquidity, has accelerated the erosion of trust. Meanwhile, Mutuum Finance (MUTM) is capitalizing on this shift, drawing investors to its presale with a 600% profit guarantee at launch and predictions of a 100x surge in 2025.  Launched a few days ago, the presale has already raised over $1.1 million and gained more than 2,500 unique holders.  Solana’s Struggles Intensify   Solana’s reputation as a blockchain innovator is under strain. Once hailed for its speed and scalability, the network is now facing a 5.9% monthly capital outflow, driven largely by memecoin-related scandals. User activity has plummeted to 9.5 million weekly active addresses in February, down from 15.6 million in late 2024. CryptoVizArt, a Glassnode analyst, attributes this to fading confidence in memecoin projects and rising concerns over security.   The Libra token collapse exemplifies this crisis. Endorsed by Argentine President Javier Milei, the project’s dramatic rug pull triggered a 94% price crash within hours. This incident, alongside $7.7 million in capital migrating to Arbitrum and $6.9 million to Ethereum, signals a broader exodus. While some analysts argue this purge of bad actors could strengthen Solana long-term, short-term challenges are undeniable.   Mutuum Finance Gains Momentum As Solana falters, Mutuum Finance (MUTM) is emerging as a magnet for disillusioned investors. The project has raised $1,143,097.25 in its ongoing presale phase two, attracting 2,420 holders at a current price of $0.015. Early participants are positioned for a guaranteed 550% return when the token launches at $0.06, and a 66x gain as analysts forecast a climb to $1 in 2025.   Mutuum Finance distinguishes itself through tangible utility. Its decentralized lending platform allows users to borrow against crypto assets without selling them, while lenders earn passive income through flexible interest rates. The upcoming launch of an overcollateralized stablecoin, backed by on-chain reserves, adds stability and utility, addressing common DeFi pain points.   Strategic Advantages Fuel Growth   Mutuum Finance’s presale structure incentivizes rapid participation. The first phase sold out within days, with phase two now underway. A $100,000 giveaway targeting early supporters further amplifies urgency, rewarding engagement across social channels.   The project’s buy-and-distribute mechanism creates sustained demand. A portion of platform fees will automatically purchase MUTM tokens from the market, redistributing them to stakers. This system ensures continuous buying pressure, supporting price stability and growth. With a beta platform launching alongside exchange listings, Mutuum Finance avoids the “vaporware” stigma plaguing many presale projects.   Solana’s current woes highlight the risks of hype-driven investments. In contrast, Mutuum Finance combines operational transparency with a clear roadmap. Its presale success reflects market appetite for projects prioritizing real-world utility over speculative trends.   The clock is ticking for investors seeking entry at discounted prices. As Solana works to rebuild trust, Mutuum Finance (MUTM) is positioned to capture market share, offering a structured path to high returns. With the presale advancing swiftly, delaying action risks missing the 550% launch gain, and the potential for a 67x leap in 2025.   Act Now or Miss Out   Solana’$SOL struggles underscore the volatility of memecoin-driven ecosystems. Mutuum Finance (MUTM) represents a pivot toward sustainable DeFi solutions, merging lending innovation with investor incentives. The presale’s Phase 2 offers a rare chance to secure tokens before exchange listings and platform launches drive demand. Those who wait risk paying higher prices in later stages, or worse, watching from the sidelines as early adopters reap exponential gains. 

The giant Fidelity has published an optimistic report on the Lightning Network, a network that enables instant and nearly free bitcoin transactions. It is a secondary network anchored to the Bitcoin network that increases transaction throughput and payment privacy. The Lightning Network compensates for the slowness and sometimes high fees of “on-chain” transactions. In jargon, this is referred to as “Layer 1” and “Layer 2.” Layer 1 is the Bitcoin blockchain, while Layer 2 is the Lightning network. The Bitcoin network is designed to generate a transaction block every 10 minutes. Each block can weigh up to 4 MB, or about 3,000 transactions. This is little, but by design. It would have been very easy to increase the size of the blocks, but at the cost of decentralization. The possibility of increasing block size has long been debated and led in 2017 to the BCH (Bitcoin Cash) fork. It was unsuccessful as one BCH is now worth 0.3% of one BTC. The market deemed that a blockchain with unlimited block sizes would undermine decentralization. Decentralization relies on the existence of numerous nodes that form the backbone of the Bitcoin network. They validate transactions and ensure that the protocol is strictly followed, especially the limit of 21 million BTC. However, the number of nodes is directly proportional to their cost, which depends on the memory required to store the blockchain (currently 630 GB). Increasing block size would increase this cost and ruin the decentralization without which bitcoin would be worthless. Developers like Thaddeus Dryja thus proposed the Lightning Network where transactions take a fraction of a second for negligible fees. All of this without compromising the fundamental properties of Bitcoin (decentralization). Payment for a coffee with the Lightning Network: The Lightning Network was launched in 2017 to counter the proponents of large blocks who eventually created BCH via a hard fork. Since then, thousands of cryptocurrencies have been launched claiming to solve the “problem” of Bitcoin’s low transaction throughput. This is obviously not the case. Security was prioritized, and increased transaction throughput was obtained thanks to the Lightning Network. That said, its growth remains modest. The reason is that bitcoin is primarily perceived as a store of value. It is indeed preferable to spend your euros or dollars before your bitcoins. Not to mention the capital gains tax (which could soon disappear in the United States). Moreover, note that using the LN first requires performing an on-chain transaction to transfer bitcoins to a wallet specifically dedicated to the Lightning network (French Phoenix , Breez, Zeus, etc.). So there’s no need to hesitate to make significant top-ups to endure during times of high fees on the Bitcoin network. Once this initial transaction is made, transactions become instantaneous and nearly free. The Fidelity report states that fees average 0.02% for transactions between 100 and 1000 euros. It’s 0.24% for transactions between 1 and 10 euros. “Transactions exceeding a million satoshis (~ 1,000 €) cost between 0.39 $ and 1.27 $. This fee/transaction ratio is rare in the traditional sector”, it can be read. The transaction speed is also nothing like that of the Bitcoin network. Voltage’s figures indicate that payments of less than 1000 euros occur in less than a second. Data from Voltage shows an increase of nearly 200% in payment volumes between 2023 and 2024. That’s 2,400% since 2022. Encouraging, but payments via the LN remain a drop in the ocean of global transactions via Visa, Mastercard, etc. Notably, exchange platforms such as Coinbase and Kraken have implemented it to reduce withdrawal fees for bitcoins by their clients. The decentralized social network Nostr also uses the LN so its users can send tips in the form of “zaps.” They sent more than 3.6 million over the past six months according to the report. The growth of the LN could also come from banks that currently use the SWIFT network and multiple third parties that significantly slow down international transfers (clearing houses, correspondent banks, etc.). Not to mention the costs. The LN could become a technology for immediate and definitive international settlement between banks. Especially if bitcoin establishes itself as the international reserve currency… The report also highlights another interesting aspect of the Lightning Network: the “Taproot Assets” protocol. Taproot assets extend the functionality of LN beyond simple bitcoin transfers. It allows transferring any type of tokenized asset. For example, stablecoins, gold, or corporate bonds, etc. “Therefore, we anticipate continued growth of the Lightning Network, despite the perception of bitcoin as a store of value that discourages its spending”, concludes Fidelity. The Lightning Network has not finished astonishing. It will certainly take off when the capital gains tax is abolished everywhere in the world… Let’s conclude by stating that no cryptocurrency can claim to execute transactions cheaper than with the Lightning Network.

Solana $SOL Might Be Dying, but Its Rival Mutuum Finance (MUTM) Won’t Slow Down A sharp decline in user activity and capital outflows has left Solana ($SOL ) grappling with growing skepticism. Data from Glassnode reveals a 40% drop in weekly active addresses since November 2024, coupled with a 29% price plunge over the past month. The collapse of high-profile memecoins like Libra, which erased $4 billion in investor funds after insiders drained $107 million in liquidity, has accelerated the erosion of trust. Meanwhile, Mutuum Finance (MUTM) is capitalizing on this shift, drawing investors to its presale with a 600% profit guarantee at launch and predictions of a 100x surge in 2025.  Launched a few days ago, the presale has already raised over $1.1 million and gained more than 2,500 unique holders.  Solana’s Struggles Intensify   Solana’s reputation as a blockchain innovator is under strain. Once hailed for its speed and scalability, the network is now facing a 5.9% monthly capital outflow, driven largely by memecoin-related scandals. User activity has plummeted to 9.5 million weekly active addresses in February, down from 15.6 million in late 2024. CryptoVizArt, a Glassnode analyst, attributes this to fading confidence in memecoin projects and rising concerns over security.   Solana (SOL) Might Be Dying, but Its Rival Mutuum Finance (MUTM) Won’t Slow Down A sharp decline in user activity and capital outflows has left Solana ($SOL ) grappling with growing skepticism. Data from Glassnode reveals a 40% drop in weekly active addresses since November 2024, coupled with a 29% price plunge over the past month. The collapse of high-profile memecoins like Libra, which erased $4 billion in investor funds after insiders drained $107 million in liquidity, has accelerated the erosion of trust. Meanwhile, Mutuum Finance (MUTM) is capitalizing on this shift, drawing investors to its presale with a 600% profit guarantee at launch and predictions of a 100x surge in 2025.  Launched a few days ago, the presale has already raised over $1.1 million and gained more than 2,500 unique holders.  Solana’s Struggles Intensify   Solana’s reputation as a blockchain innovator is under strain. Once hailed for its speed and scalability, the network is now facing a 5.9% monthly capital outflow, driven largely by memecoin-related scandals. User activity has plummeted to 9.5 million weekly active addresses in February, down from 15.6 million in late 2024. CryptoVizArt, a Glassnode analyst, attributes this to fading confidence in memecoin projects and rising concerns over security.   The Libra token collapse exemplifies this crisis. Endorsed by Argentine President Javier Milei, the project’s dramatic rug pull triggered a 94% price crash within hours. This incident, alongside $7.7 million in capital migrating to Arbitrum and $6.9 million to Ethereum, signals a broader exodus. While some analysts argue this purge of bad actors could strengthen Solana long-term, short-term challenges are undeniable.   Mutuum Finance Gains Momentum As Solana falters, Mutuum Finance (MUTM) is emerging as a magnet for disillusioned investors. The project has raised $1,143,097.25 in its ongoing presale phase two, attracting 2,420 holders at a current price of $0.015. Early participants are positioned for a guaranteed 550% return when the token launches at $0.06, and a 66x gain as analysts forecast a climb to $1 in 2025.   Mutuum Finance distinguishes itself through tangible utility. Its decentralized lending platform allows users to borrow against crypto assets without selling them, while lenders earn passive income through flexible interest rates. The upcoming launch of an overcollateralized stablecoin, backed by on-chain reserves, adds stability and utility, addressing common DeFi pain points.   Strategic Advantages Fuel Growth   Mutuum Finance’s presale structure incentivizes rapid participation. The first phase sold out within days, with phase two now underway. A $100,000 giveaway targeting early supporters further amplifies urgency, rewarding engagement across social channels.   The project’s buy-and-distribute mechanism creates sustained demand. A portion of platform fees will automatically purchase MUTM tokens from the market, redistributing them to stakers. This system ensures continuous buying pressure, supporting price stability and growth. With a beta platform launching alongside exchange listings, Mutuum Finance avoids the “vaporware” stigma plaguing many presale projects.   Solana’s current woes highlight the risks of hype-driven investments. In contrast, Mutuum Finance combines operational transparency with a clear roadmap. Its presale success reflects market appetite for projects prioritizing real-world utility over speculative trends.   The clock is ticking for investors seeking entry at discounted prices. As Solana works to rebuild trust, Mutuum Finance (MUTM) is positioned to capture market share, offering a structured path to high returns. With the presale advancing swiftly, delaying action risks missing the 550% launch gain, and the potential for a 67x leap in 2025.   Act Now or Miss Out   Solana’$SOL struggles underscore the volatility of memecoin-driven ecosystems. Mutuum Finance (MUTM) represents a pivot toward sustainable DeFi solutions, merging lending innovation with investor incentives. The presale’s Phase 2 offers a rare chance to secure tokens before exchange listings and platform launches drive demand. Those who wait risk paying higher prices in later stages, or worse, watching from the sidelines as early adopters reap exponential gains.