Crypto World
Jack Dorsey’s Block May Slash Up To 10% of Staff: Report
Jack Dorsey’s payments company Block Inc. has begun informing hundreds of employees that their roles could be eliminated during annual performance reviews, as the firm undertakes a wider restructuring effort.
As much as 10% of Block’s workforce may be affected, Bloomberg reported on Sunday, citing people familiar with the matter. The company employed just under 11,000 people as of late November, an executive reportedly said at the time.
The potential layoffs come as Block reshapes its operations following a reorganization launched in 2024 aimed at improving efficiency and aligning its product lines. The company is working to more closely link its peer-to-peer payments platform Cash App with its merchant services arm Square.
At the same time, Block is expanding newer initiatives, including its Bitcoin (BTC) mining division Proto and an artificial intelligence project known as Goose.
Related: Cash App plans to unlock stablecoin transactions ’soon’
Block expected to post $403 million Q4 profit
Block is scheduled to release quarterly earnings on Feb. 26, according to Bloomberg. Analysts expect adjusted profit of about $403 million, or 68 cents per share, on revenue of roughly $6.25 billion for the fourth quarter, per the report.
The company last reported third-quarter net income of $461.5 million on $6.11 billion in revenue. Gross profit rose 18% year over year, driven by 24% growth in Cash App and 9% growth in Square, though the stock fell after the release as some performance metrics missed Wall Street expectations.
For the third quarter, Bitcoin generated about $1.97 billion in revenue, down from $2.4 billion a year earlier but still the company’s second-largest revenue stream. Block held 8,780 BTC worth over $1 billion by the end of September, recording a $59 million quarterly valuation loss.
Related: Jack Dorsey urges tax-free status for ‘everyday’ Bitcoin payments
Square launches Bitcoin payments for merchants
In November last year, Square, the payments platform owned by Block, rolled out a Bitcoin payment option, allowing merchants to accept BTC directly at checkout through its point-of-sale terminals. Sellers can process transactions in multiple ways, including Bitcoin-to-Bitcoin and automatic conversion between Bitcoin and fiat currency.
The launch added on earlier tools that let merchants convert a portion of daily card sales into Bitcoin as part of Square’s broader payment and wallet ecosystem. More than four million sellers across eight countries use Square.
Magazine: Bitget’s Gracy Chen is looking for ‘entrepreneurs, not wantrepreneurs’
Bitcoin dips near $60K, leaving Strategy’s $59.75 billion holdings underwater.
Strategy, the world’s largest corporate Bitcoin holder, reported owning 713,502 BTC, worth approximately $59.75 billion as of February 1st. The company’s total cost basis for these holdings is $54.26 billion, which translates to an average cost of $76,052 per bitcoin.
With Bitcoin dropping to almost $60,000, well below Strategy’s average purchase price, the firm’s vast BTC treasury is currently underwater.
Treasury Under Strain
In 2025, Strategy achieved a full-year BTC yield of 22.8% and recorded gains of 101,873 BTC. The company continued to expand its BTC treasury in January 2026 and ended up acquiring an additional 41,002 BTC.
Strategy started in 1989 as a traditional software company focused on data analytics. In 2020, co-founder Michael Saylor made a major pivot to Bitcoin, seeing it as a safer alternative to cash during pandemic-era stimulus and low interest rates. The company began using BTC as a long-term treasury asset.
By 2025, it rebranded as Strategy and fully embraced its role as a BTC-first company. The pivot drew attention from regulators and index providers, who questioned whether a firm dominated by crypto should remain in major indices. MSCI suggested companies holding more than half their assets in Bitcoin might be considered non-operating. Strategy, however, argued that it actively uses Bitcoin to raise capital and drive shareholder value. Attempts to join the S&P 500 in September and December 2025 also failed.
Despite this, Strategy’s Bitcoin holdings have remained central to its financial structure and are closely tied to its digital credit instruments, particularly STRC, which acts as a complementary tool for risk management and capital amplification. STRC’s growth to $3.4 billion has been supported by higher liquidity and lower volatility in the crypto markets.
The company raised $25.3 billion in 2025 to support its BTC treasury and preferred stock offerings, which made it the largest US equity issuer for the second consecutive year. It also maintains a $2.25 billion USD Reserve, covering over 2.5 years of preferred stock dividends and interest obligations, providing additional stability amid market swings.
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The recent dip in the leading crypto asset has renewed concerns about corporate BTC exposure. Popular investor Michael Burry recently claimed that Bitcoin’s behavior as a speculative asset, rather than a hedge, could pose significant risks for companies holding large BTC treasuries. He observed that further price declines could leave major holders, including Strategy, deeply underwater and potentially limit access to capital markets, thereby amplifying financial stress.
Losses Surge in Q4
Meanwhile, Strategy’s operating losses for the quarter were found to be $17.4 billion, entirely due to unrealized losses on digital assets, compared with a $1.0 billion operating loss in Q4 2024 under the prior accounting model.
Net loss for the quarter was $12.4 billion, up from $670.8 million in the same period of 2024. Cash and cash equivalents rose to $2.3 billion from $38.1 million, driven largely by the establishment of the USD Reserve.
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Block Inc. is pursuing a broad restructuring designed to sharpen efficiency, align its product lines, and knit together Cash App’s consumer payments with Square’s merchant services. The plan has prompted conversations within the company about role reductions during annual performance reviews, a sign that management is tightening cost controls as it recalibrates its business mix. People familiar with the matter say as many as 10% of Block’s workforce could be affected, a substantial slice for a company that employed just under 11,000 people as of late November. The move arrives as Block seeks to balance near-term profitability with long-running bets in crypto and fintech innovation.
The restructure, which began taking clearer form after a 2024 reorganization, is intended to bring Cash App more tightly in line with Square, Block’s merchant services division. By integrating the consumer-to-business payments ecosystem, executives hope to create a more seamless flow of users across services and reduce redundancies within operations. The strategy reflects a broader industry trend: fintech firms are recalibrating their internal structures to preserve margins as competition intensifies and users demand more integrated products.
Beyond cost discipline, Block has pressed ahead with growth initiatives that extend well beyond payments. The company has been expanding its newer lines, including a Bitcoin (CRYPTO: BTC) mining venture under Proto and an artificial intelligence project known as Goose. While some investors worry about “growth at any cost” disclosures, Block is positioning these projects as long-duration bets that could diversify revenue streams in a crypto-rich future. The balance sheet, however, continues to reflect the complexity of crypto exposure: the company’s third-quarter results highlighted both the potential and the risk of its bitcoin activities.
Block shares rallied on the latest trading day, ending Friday up nearly 5%. The move underscores a market that remains sensitive to earnings trajectories and the trajectory of Block’s efficiency drive as investors weigh the potential upside from its crypto and AI bets against the near-term impact of cost reductions.
The company is set to report its fourth-quarter results on February 26. Analysts surveyed by Bloomberg expected adjusted earnings of about $403 million, or 68 cents per share, on roughly $6.25 billion in revenue. Those projections sit against Block’s prior quarter, when it posted net income of $461.5 million on $6.11 billion in revenue. Gross profit rose 18% year over year, driven by 24% growth in Cash App and 9% growth in Square, though some performance metrics missed Wall Street expectations and weighed on sentiment.
On the revenue mix, Bitcoin contributed a significant portion in the third quarter, generating roughly $1.97 billion in revenue, a decline from $2.4 billion a year earlier but still the company’s second-largest revenue stream. Block held 8,780 BTC worth over $1 billion by the end of September, though the company logged a quarterly valuation loss of about $59 million on its bitcoin holdings. Those figures illustrate the tension between crypto as a revenue engine and the volatility that accompanies digital asset exposure.
Block’s push into crypto-enabled payments has been a core feature of its broader strategy. In November of last year, Square, Block’s payments arm, rolled out a Bitcoin payments option at checkout via its point-of-sale terminals, enabling merchants to accept BTC directly and offering multiple pathways for conversion and settlement. The feature builds on earlier tools that let merchants convert a portion of daily card sales into Bitcoin as part of Square’s wallet ecosystem, reinforcing the company’s aim to embed cryptocurrency into everyday transactions. The expansion has reached millions of sellers across eight countries, underscoring Block’s ambition to normalize crypto in everyday commerce.
The broader narrative around Block’s strategy also touches on how it manages digital-asset capabilities within a traditional payments framework. Some observers have flagged regulatory and market risks inherent in crypto-adjacent businesses, while others highlight the potential for cash flows from both merchant services and consumer wallets to harness network effects. In parallel with its payments ambitions, Block has signaled interest in stablecoins and other crypto-facilitated capabilities. The company’s crypto endeavors are occasionally framed as a hedge against the volatility of traditional payments margins, even as they introduce new layers of risk that investors must monitor closely. For readers tracking this space, it’s worth noting that stablecoin-related developments have drawn scrutiny and interest from regulators, a dynamic that could influence Block’s product roadmap and timing of crypto-enabled features.
Why it matters
The near-term significance lies in Block’s attempt to fuse its consumer and merchant ecosystems more tightly while continuing to push into crypto and AI experimentation. If the restructuring yields meaningful cost savings without sacrificing growth, Block could improve its operating leverage at a time when fintechs face margin pressure and competitive intensity. The company’s ability to deliver a coherent cross-sell thesis—pulling Cash App users into Square’s merchant services and vice versa—could unlock higher lifetime value per customer and create a more resilient revenue base.
From a crypto perspective, the scaling of BTC-related revenue and the ongoing mining and AI ventures signal a deliberate, long-horizon approach to digital assets as a core strategic differentiator. The Q3 bitcoin rebound in revenue—despite a year-over-year decline—demonstrates that crypto remains a material driver of Block’s top line, even as the company navigates volatility in asset prices and the valuation challenges that come with large BTC holdings. The question for investors is whether the company’s crypto investments translate into durable cash flows or whether they remain a portfolio of bets requiring ongoing capital allocation and risk management.
For users and developers in the payments and fintech space, Block’s moves underscore a broader shift toward platform-centric models that knit together payments, wallets, and crypto services. If successful, the integration of Cash App with Square could yield more seamless onboarding, better data integration, and richer product ecosystems, enabling the company to monetize increasingly large audiences across both consumer and merchant segments. The ongoing expansion into mining and AI suggests Block intends to diversify away from reliance on any single revenue source, a strategy that could resonate with investors seeking exposure to multiple growth vectors within a single corporate banner.
What to watch next
- Feb. 26 – Block’s fourth-quarter earnings release and accompanying guidance, including updated profit metrics and potential commentary on the restructuring’s impact on margins.
- Progress updates on the 2024 reorganization, specifically any milestones tied to aligning Cash App with Square and improving cross-product customer journeys.
- Operational updates from Proto (BTC mining) and Goose (AI) projects, including any partnerships, capital deployments, or pilot milestones.
- Regulatory developments or market signals affecting crypto-enabled payments and stablecoins, which could influence product timing and capital allocation.
Sources & verification
- Bloomberg article on Block cutting up to 10% of staff as part of an efficiency push.
- Block’s reported third-quarter results: net income, revenue, gross profit growth, and Bitcoin revenue details.
- Square’s November rollout of Bitcoin payments for merchants and related capabilities.
- Block’s anticipated fourth-quarter earnings release date (Feb. 26) and consensus estimates.
Block’s restructuring tightens focus on payments and crypto ventures
Block Inc. is pursuing a broad restructuring designed to sharpen efficiency, align its product lines, and knit together Cash App’s consumer payments with Square’s merchant services. The plan has prompted conversations within the company about role reductions during annual performance reviews, a sign that management is tightening cost controls as it recalibrates its business mix. People familiar with the matter say as many as 10% of Block’s workforce could be affected, a substantial slice for a company that employed just under 11,000 people as of late November. The move arrives as Block seeks to balance near-term profitability with long-running bets in crypto and fintech innovation.
The restructure, which began taking clearer form after a 2024 reorganization, is intended to bring Cash App more tightly in line with Square, Block’s merchant services division. By integrating the consumer-to-business payments ecosystem, executives hope to create a more seamless flow of users across services and reduce redundancies within operations. The strategy reflects a broader industry trend: fintech firms are recalibrating their internal structures to preserve margins as competition intensifies and users demand more integrated products.
Beyond cost discipline, Block has pressed ahead with growth initiatives that extend well beyond payments. The company has been expanding its newer lines, including a Bitcoin (CRYPTO: BTC) mining venture under Proto and an artificial intelligence project known as Goose. While some investors worry about “growth at any cost” disclosures, Block is positioning these projects as long-duration bets that could diversify revenue streams in a crypto-rich future. The balance sheet, however, continues to reflect the complexity of crypto exposure: the company’s third-quarter results highlighted both the potential and the risk of its bitcoin activities.
Block shares rallied on the latest trading day, ending Friday up nearly 5%. The move underscores a market that remains sensitive to earnings trajectories and the trajectory of Block’s efficiency drive as investors weigh the potential upside from its crypto and AI bets against the near-term impact of cost reductions.
The company is set to report its fourth-quarter results on February 26. Analysts surveyed by Bloomberg expected adjusted earnings of about $403 million, or 68 cents per share, on roughly $6.25 billion in revenue. Those projections sit against Block’s prior quarter, when it posted net income of $461.5 million on $6.11 billion in revenue. Gross profit rose 18% year over year, driven by 24% growth in Cash App and 9% growth in Square, though some performance metrics missed Wall Street expectations and weighed on sentiment.
On the revenue mix, Bitcoin contributed a significant portion in the third quarter, generating roughly $1.97 billion in revenue, a decline from $2.4 billion a year earlier but still the company’s second-largest revenue stream. Block held 8,780 BTC worth over $1 billion by the end of September, though the company logged a quarterly valuation loss of about $59 million on its bitcoin holdings. Those figures illustrate the tension between crypto as a revenue engine and the volatility that accompanies digital asset exposure.
Block’s push into crypto-enabled payments has been a core feature of its broader strategy. In November of last year, Square, Block’s payments arm, rolled out a Bitcoin payments option at checkout via its point-of-sale terminals, enabling merchants to accept BTC directly and offering multiple pathways for conversion and settlement. The feature builds on earlier tools that let merchants convert a portion of daily card sales into Bitcoin as part of Square’s wallet ecosystem, reinforcing the company’s aim to embed cryptocurrency into everyday transactions. The expansion has reached millions of sellers across eight countries, underscoring Block’s ambition to normalize crypto in everyday commerce.
The broader narrative around Block’s strategy also touches on how it manages digital-asset capabilities within a traditional payments framework. Some observers have flagged regulatory and market risks inherent in crypto-adjacent businesses, while others highlight the potential for cash flows from both merchant services and consumer wallets to harness network effects. In parallel with its payments ambitions, Block has signaled interest in stablecoins and other crypto-facilitated capabilities. The company’s crypto endeavors are occasionally framed as a hedge against the volatility of traditional payments margins, even as they introduce new layers of risk that investors must monitor closely. For readers tracking this space, it’s worth noting that stablecoin-related developments have drawn scrutiny and interest from regulators, a dynamic that could influence Block’s product roadmap and timing of crypto-enabled features.
Block’s restructuring and crypto bets illustrate a deliberate attempt to diversify revenue streams while strengthening core services. If the company can successfully integrate Cash App with Square, it would enable more robust cross-selling opportunities and a cohesive loyalty proposition that could boost retention and lifetime value. At the same time, the BTC mining and Goose AI initiatives serve as parallel growth rails, potentially generating new cash flows even as they introduce volatility and execution risk. The next earnings cycle will be crucial in signaling whether the restructuring translates into measurable margin improvement and sustainable long-term growth.
The former BitMEX CEO has moved millions of dollars worth of certain DeFi tokens, here’s which ones.
Arthur Hayes, perhaps best known for his leadership at BitMEX years ago, has made several high-value transfers for numerous altcoins, mostly from the DeFi space, which caught the attention of monitoring resources such as Lookonchain.
Given his history of offloading similar tokens in times of market uncertainty, the analysts speculated that he had likely made the transfers to sell $1.06 million worth of ENA, $954,000 worth of ETHFI, and $1.14 million worth of PENDLE.
Arthur Hayes(@CryptoHayes) is selling DeFi tokens.
In the past 15 minutes, he moved out 8.57M $ENA($1.06), 2.04M $ETHFI($954K), and 950K $PENDLE($1.14M) — likely to sell.https://t.co/loeYKUb9rN pic.twitter.com/ZOJnUHCTdr
— Lookonchain (@lookonchain) February 8, 2026
Hayes made several big sell-offs in August last year, claiming that the crypto market was due for a large correction. However, the market went the other direction, and some of the assets he sold, such as ETH, skyrocketed in the following weeks.
Just days later, he regretted his decision with a post on X. Hayes explained that he had to buy it all back at higher prices, asked for forgiveness from the Ethereum community, and promised not to take ETH profits again.
In November, though, further on-chain data from Lookonchain showed that he disposed of 520 ETH for $1.66 million, alongside ENA and ETHFI.
Another report from late December 2025 indicated that he had sold additional ETH and purchased PENDLE, LDO, ENA, and ETHFI again. If he indeed offloaded the DeFi tokens now, it would result in a substantial loss given the latest market correction.
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Revolut’s fintech expansion across Europe and globally is severely constraining the playing field for European fintech founders. Attempting to build a European-scale fintech — which means competing directly with Revolut — has become extremely challenging, both from a product and marketing perspective.
Summary
- Revolut closed the fintech door — crypto opens a new one: Competing head-on with a 65M-user super-app is a losing game, but Revolut’s relative neglect of crypto creates a rare, defensible opening.
- MiCA turned crypto from a risk into a credential: Regulatory clarity doesn’t just unlock Europe — it boosts global trust, capital access, and turns licenses into real balance-sheet value.
- Europe is perfectly priced for crypto scale: Cheaper talent, growing stablecoin demand, and returning VC capital make crypto-finance Europe’s best shot at building the next pan-regional champion.
By September 2025, Revolut reached 65 million customers worldwide, with 12 million in the UK alone. The company has also announced a firm timeline for serving 100 million customers, aiming to hit this milestone by mid-2027. As a result, the window of opportunity for European fintech development is rapidly narrowing. Entrepreneurs are left with only two viable options: either build a super-niche project, both in terms of product and geography — think local payment services — or exploit Revolut’s main blind spot. In their pursuit of banking licenses and regulatory relationships, they haven’t been developing crypto services with sufficient intensity.
The latter model offers several compelling advantages. Due to certain characteristics of the European startup scene, a crypto-finance project has excellent chances for global expansion, or at a minimum, pan-European growth.
Regulation
The rollout of Markets in Crypto-Assets Regulation has given crypto projects a major boost — not because it specifically permitted or prohibited anything, but simply because it established clear, understandable frameworks for what a project must comply with to stay compliant in Europe.
There’s an unusual side effect to this regulation: MiCA enhances trust in crypto projects beyond Europe’s borders. For example, in Latin American markets, it creates an extremely positive attitude from regulators toward projects, so it becomes a notable green flag.
The workforce and economy
Compared to the US, hiring employees in Europe is significantly cheaper. Hiring one engineer in the US is equivalent to hiring two or three in Europe. It’s worth noting that in Europe, you can recruit the same developers or product managers from Revolut itself, which definitely makes sense in the context of expansion.
Cryptocurrency turnover is actively growing in Europe. Even our own statistics confirm that users are interested in receiving stablecoins to their accounts and using them as a means of payment.
Funding
While fintech attracted less and less money in recent years, the situation is now changing.
“If 2024 was defined by scarcity, 2025 was defined by bifurcation. The recovery in fundraising has been robust, with year-to-date figures reaching approximately €6.3 billion by September, surpassing 70% of 2024’s total.”
Part of this money is flowing into crypto, as the sector becomes institutionalized through MiCA. A license significantly capitalizes a company, transforming it in investors’ eyes from an unproven concept into a clearly understood fintech company.
“With MiCA fully live, we expect 2026 to be the year of Stablecoin Rails. Major European banks are already piloting Euro-denominated stablecoins. The ‘wild west’ of crypto is over; the institutionalization of digital assets is here, and it will likely become the standard for cross-border B2B payments.”
What could be improved?
Despite being a major benefit, MiCa still hasn’t fully solved compliance. Current legislation and regulators still stumble over crypto-specific issues when it comes to how businesses earn and spend money in crypto form. Moreover, since we’re dealing with an extremely young fintech instrument, tax incentives could facilitate its development and growth.
So if you’re feeling the pressure from Revolut on your European fintech business, we strongly advise taking a serious look at the crypto-finance market. Europe provides numerous benefits to fintech businesses that they can leverage for global expansion.
Ethereum price could be preparing a strong rebound after forming a giant hammer candle and confirming the inverted head-and-shoulders chart pattern as the staking queue jumps to a record high.
Summary
- Ethereum price dropped for three consecutive weeks.
- The staking queue has jumped to a record high.
- ETH has formed an inverted head-and-shoulders pattern.
Ethereum (ETH) token was trading at $2,080, up sharply from last week’s low of $1,738. This price is much lower than the all-time high of nearly $5,000.
The ongoing Ethereum crash is notable as it is happening when the token has some of the best fundamentals ever. For example, more investors are delegating their coins to staking. Data shows that 4 million ETH coins are waiting in line to stake.
The entry queue has jumped to a record high of 4.06 million coins, while only 31,915 coins are waiting to get out. These numbers mean that the wait time to stake has jumped to 70 days. These numbers mean that there is still demand for Ethereum and that most holders are not panic-selling.
Ethereum’s network statistics are booming, a sign that the Fusaka upgrade was successful. Nansen data shows that Ethereum’s active addresses jumped by 38% in the last 30 days to over 15 million. Its transactions soared by 37% to over 70 million, while its fees soared to nearly $20 million.
Ethereum is benefiting because of its commanding market share in some of the most important industries in the crypto industry. For example, it is the biggest chain in the real-world asset tokenization industry, with a market share of over 70%.
Ethereum price technical analysis
The weekly timeframe chart shows that the ETH price has been in a freefall in the past few months. It has dropped in the last three consecutive weeks, with the Relative Strength Index moving to the oversold level of 30.
The coin has been slowly forming the inverted head-and-shoulders pattern, a common bullish reversal sign. There are signs that the coin has completed the formation of the right shoulder.
It has also formed a hammer candle, which is made up of a long lower shadow and a small body. A hammer is another common bullish reversal sign in technical analysis.
Therefore, the coin will likely bounce back in the coming weeks, potentially to the psychological point at $2,500. A move below the lower side of the hammer will invalidate the bullish outlook.
Hedera has come under renewed pressure after a broader market downturn dragged HBAR lower. The recent price drop reflects bearish cues driven by macro uncertainty and weakness in Bitcoin.
While the long-term outlook for Hedera remains constructive, near-term recovery attempts may struggle as market headwinds continue to weigh on sentiment.
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HBAR Has A Different Target
Price action remains macro bullish, with HBAR trading inside a well-defined descending channel. The rejection from the channel’s upper boundary near $0.1290 confirmed seller dominance.
The recent drop toward $0.0893 shows weak demand, signaling continuation risk as momentum and structure remain tilted to the downside.
Immediate support sits at $0.0786, which previously triggered a short-lived bounce. As the pattern projects a bullish outcome, the breakout from it can trigger a 31% rise. This would send HBAR rallying towards $0.1252, marking a short bounce which in turn could lead to further recovery.
Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.
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HBAR Traders Are Preparing For New Lows
Derivatives data, however, paints a more nuanced picture of trader expectations. HBAR’s futures funding rate has stayed in negative territory for the past 48 hours, even as the price attempted to stabilize. Negative funding indicates short positions are paying longs, reflecting a bias toward further downside.
This positioning suggests traders expect additional weakness and are attempting to profit from it. Short contracts currently dominate longs, signaling skepticism around any immediate recovery.
While excessive short exposure can fuel sharp squeezes, it also highlights prevailing caution across speculative participants.
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HBAR’s high correlation with Bitcoin adds another layer of risk. The correlation coefficient between HBAR and BTC currently sits near 0.96. Such a strong relationship typically benefits altcoins during Bitcoin rallies, as capital flows across the market in unison.
In the current environment, however, this correlation acts as a constraint. Bitcoin has struggled to regain momentum, and continued weakness in BTC could delay HBAR’s recovery. Until Bitcoin stabilizes or reverses higher, HBAR is likely to mirror broader market pressure rather than decouple meaningfully.
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HBAR Price Support Levels Next
HBAR is trading near $0.0895 at the time of writing, sitting just below the $0.0907 resistance. This level has capped recent upside attempts. A successful flip of $0.0907 into support would be the first signal of improving structure, opening a path toward the $0.1029 target.
Given prevailing conditions, a failed breakout appears more likely in the near term. If HBAR cannot reclaim $0.0907, the price may consolidate above the $0.0832 support. A breakdown below that level would expose HBAR to a deeper decline toward $0.0710, extending the downtrend.
A more constructive outcome depends on reclaiming $0.1029. Securing that level would allow HBAR to recover a meaningful portion of recent losses. Such a move would invalidate the bearish thesis and signal that buyers are regaining control, provided broader market conditions, led by Bitcoin, also improve.
With the crypto market still trading below previous highs, many investors are asking a familiar question: where is the best opportunity before the next major move begins? Historically, periods of muted prices have rewarded those who focus on early-stage projects showing real progress rather than short-term hype. One name increasingly coming up in these discussions is Mutuum Finance (MUTM), a new DeFi project that is still in presale while actively delivering on development.
Why MUTM Is Still Considered Undervalued
Mutuum Finance is currently in Phase 7 of its presale, with the MUTM token priced at $0.04, compared to a confirmed $0.06 launch price. Since the presale began at $0.01, the token price has increased in structured steps tied to development milestones rather than speculation. At today’s level, MUTM is already up 300% from its starting price, yet it remains 50% below its launch valuation.
The presale has raised over $20.43 million, drawing participation from a growing number of holders and signaling sustained demand. Analysts often point out that this combination—strong fundraising, disciplined price progression, and a clear launch price—creates a window where tokens are still considered discounted relative to their initial market entry.
Analyst Price Outlook and Upside Potential
Some analysts are projecting that MUTM could reach $0.35 shortly after launch, driven by a mix of early adoption, development delivery, and potential exchange exposure. From the current presale price of $0.04, a move to $0.35 would represent an increase of approximately 775%.
These projections are largely based on execution rather than narrative alone. Mutuum Finance has already launched its V1 lending and borrowing protocol on the Sepolia testnet, allowing users to test core functionality ahead of mainnet. In addition, the project has completed security audits and continues to roll out updates, which analysts see as key factors in reducing execution risk.
Some market observers also suggest there is a high possibility of listings on major exchanges after launch, as platforms often prioritize projects that demonstrate live infrastructure, audited contracts, and sustained investor demand. Exchange exposure, if it materializes, has historically been a catalyst for increased liquidity and price discovery in the early post-launch phase.
To put the potential upside into perspective, a $2,000 investment at the current $0.04 price would secure 50,000 MUTM tokens. When the token were to reach the $0.35 level discussed by analysts, that position would be valued at $17,500, representing a gain of $15,500 before fees and market considerations.
How Mutuum Finance Works
At its core, Mutuum Finance is designed to generate real utility through decentralized lending and borrowing. Users who supply assets receive mtTokens, which represent their deposit positions and automatically accrue yield over time. These mtTokens can be staked, making holders eligible for dividends paid in MUTM tokens through a buy-and-distribute mechanism funded by protocol revenue.
Borrowers, meanwhile, can unlock liquidity by providing overcollateralized positions rather than selling their assets. This structure allows users to access capital while maintaining exposure to their holdings, a model widely used across DeFi but refined in Mutuum Finance through automated risk controls and transparent on-chain tracking.
Expansion and Ecosystem Growth
Beyond launch, Mutuum Finance’s roadmap includes several developments aimed at expanding the ecosystem. Plans include multi-chain expansion, allowing the protocol to operate across multiple blockchain networks, and the future introduction of a native overcollateralized stablecoin designed to enhance liquidity and platform utility.
The project is also running a $100,000 giveaway, aimed at rewarding early participants during the presale phase. Entry requirements and tasks are outlined on the project’s website, adding an additional incentive for community engagement while development continues.
For investors searching for the best crypto coin to buy while prices are still low, Mutuum Finance is increasingly part of the conversation. With a token price of $0.04, a confirmed $0.06 launch price, active protocol development, and analyst projections pointing toward higher post-launch valuations, MUTM remains in a phase that many view as an early opportunity.
As always, market conditions can change, but with the presale still open and development milestones already delivered, Mutuum Finance continues to stand out as a project worth watching while prices remain at early-stage levels.
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 Press Release provided by a third party who is responsible for the content. Please conduct your own research before taking any action based on the content.
TLDR:
- Bitso reduces cross-border transfer times from multiple days to near-instant using blockchain technology
- RLUSD provides regulated dollar-denominated stability for volatile Latin American payment corridors
- Platform positions as U.S.-LATAM payout partner as demand for compliant stablecoin solutions expands
- Ripple Payments eliminates multi-hop banking processes, reducing costs and increasing transparency
Bitso accelerates cross-border payments through its deployment of Ripple Payments, XRP and RLUSD across Latin American markets.
The digital asset platform reduces international transfer times from days to near-instant settlement for business clients.
Traditional banking systems previously required multiple intermediaries and extended processing periods. Bitso now delivers faster money movement by leveraging blockchain rails and regulated stablecoin infrastructure for regional payment corridors.
Speed Improvements Replace Multi-Day Settlement Processes
Bitso has transformed its platform to prioritize transaction velocity for cross-border transfers. The company shifted from crypto exchange operations to B2B payment infrastructure.
Legacy payment systems in Latin America typically process international transfers through several correspondent banks. Each intermediary adds processing time and reduces transparency throughout the settlement chain.
Ripple Payments enables Bitso to bypass traditional multi-hop routing entirely. Blockchain technology settles transactions in minutes rather than the standard two-to-five business days.
XRP serves as a bridge currency to accelerate conversions between different fiat denominations. RLUSD provides dollar-denominated stability without requiring traditional banking infrastructure.
The acceleration benefits both remittance flows and commercial payment operations. Businesses previously waited days to receive international payments from partners or customers.
Bitso now completes these same transfers within minutes using distributed ledger technology. Recipients access funds almost immediately after transaction initiation.
Gabriele Zuliani, Head of Growth at Bitso, spoke about the transformation this technology brings. “RLUSD and Ripple Payments let us reinvent how money moves globally: faster, at lower cost, and with far greater transparency,” Zuliani said.
He added that as demand grows in the U.S., Bitso stands ready to serve that demand. The platform aims to become the rail and payout partner for LATAM.
Rapid Blockchain Settlement Powers Regional Payment Distribution
The acceleration strategy addresses specific pain points within Latin American financial markets. Local currency volatility creates urgency around fast, stable settlement options.
Businesses cannot afford to wait days while exchange rates fluctuate during transfer processing. RLUSD enables rapid conversion to dollar-denominated value.
Bitso positions itself as a payout partner capable of distributing funds throughout the region quickly. The platform maintains local market presence across multiple Latin American countries.
This regional footprint combines with blockchain speed to deliver comprehensive payment solutions. Companies can now send payments that reach recipients the same day.
Regulated stablecoin infrastructure supports the acceleration without sacrificing compliance requirements. RLUSD operates within established financial oversight frameworks while maintaining transaction speed.
Traditional compliance processes often slow down international transfers through extended verification periods. Bitso balances regulatory adherence with operational efficiency.
Growing demand from U.S. businesses requires scalable, rapid payment infrastructure for Latin American operations.
Bitso’s blockchain-based approach handles increasing transaction volumes without proportional slowdowns. As cross-border payment needs expand, the platform scales its acceleration capabilities accordingly.
The combination of Ripple Payments, XRP and RLUSD creates infrastructure for next-generation regional money movement.
Bitcoin’s mining difficulty has registered its steepest decline in nearly five years.
The historic drop signals a dual crisis of extreme weather constraints and deepening economic pressure on network operators.
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Bitcoin Mining Economics Crack Amid Falling Prices
According to Mempool developer Mononaut, the network’s difficulty adjusted downward by 11.16% to 125.86 trillion (T) this week.
Notably, this adjustment marks the largest capitulation in mining power since July 2021. At the time, a state-mandated ban in China forced a massive exodus of hashing power.
The difficulty adjustment mechanism is designed to keep Bitcoin block production at steady 10-minute intervals.
When miners go offline, block times slow, prompting the protocol to lower the difficulty to make mining easier for the remaining participants.
Unlike the geopolitical shocks of 2021, the current decline is driven by a collision of meteorological instability and thinning profit margins.
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The sharp contraction follows severe winter storms across North America in late January, which disrupted energy grids serving major mining clusters.
In jurisdictions such as Texas, miners participate in “demand response” programs. These operators voluntarily reduce their power consumption during peak load periods to help stabilize the grid in exchange for energy credits.
However, the magnitude of this 11% drop suggests more than just temporary curtailment. It points to economic capitulation.
The severe weather stressed the electrical infrastructure, spiking spot power prices.
For operators running older, less efficient hardware, the surge in operating expenses likely pushed profitability into negative territory. This financial strain led to a permanent or semi-permanent shutdown of rigs.
Notably, available data suggest that major industry players were already operating with exceptionally thin margins before the storms hit.
Ki Young Ju, CEO of the analytics firm CryptoQuant, estimated that Bitcoin miner Marathon Digital spent approximately $67,704 to mine a single BTC in the third quarter of 2025.
With BTC trading below $70,000, several miners are operating at a loss before accounting for other general expenses.
TLDR:
- ETH failed three times at the 200-day EMA, confirming weakening momentum and sustained selling pressure.
- Over $1.3B in long liquidations shows derivatives activity dominated price action, not spot demand.
- The $2.7K level flipped from support to resistance, redefining near-term market structure.
- Focus now shifts to $2.3K and $1.8K as the next zones of potential buyer interest.
ETH 200-day EMA rejection shows repeated failures near resistance aligned with a wave of forced liquidations. Price action now reflects leverage-driven volatility instead of organic trend recovery.
Distribution Behavior Emerges at Key Technical Resistance
ETH price moved higher, yet the advance lacked sustained demand. Instead, it appeared driven by short covering into a known supply zone.
Momentum weakened with every approach to the moving average. Candle bodies narrowed, and upper wicks became more frequent. At the same time, volume failed to expand.
Furthermore, the repeated rejection pattern reinforced technical exhaustion. Three attempts at the same resistance level produced lower follow-through each time. This suggested that sellers maintained control despite temporary upside pressure.
On social media, several analysts shared charts showing price stalling exactly at the 200-day EMA. Therefore, upside strength functioned mainly as liquidity for larger participants.
Soon after, ETH slipped back below $2.7K. That level had served as short-term support during the rebound phase. Once breached, it transitioned into resistance, and market bias tilted downward.
This pivot divided two narratives. Above $2.7K, traders could argue for base formation. Below it, the structure favored continued probing lower. As a result, each rally into that zone now attracts selling interest.
Moreover, price behavior showed hesitation rather than conviction. Buyers failed to defend higher levels with sustained closes. Sellers, in contrast, reacted quickly at technical boundaries.
Thus, the pattern reflected strategic positioning rather than emotional panic. Distribution unfolded gradually, supported by visible rejection zones and fading momentum. The chart no longer communicated recovery. Instead, it communicated controlled exits into strength.
Liquidation Cascades Replace Organic Market Flow
ETH 200-day EMA rejection coincided with violent intraday swings driven by derivatives activity. Price repeatedly moved from $80 to $100 within minutes. Such behavior is not typical of spot-led markets.
Approximately $1.3 billion in long liquidations occurred during the session. These events represented forced closures of leveraged positions, not discretionary selling. Therefore, the tape reflected margin mechanics rather than investor sentiment.
As the price crossed clustered liquidation levels, automated orders accelerated the decline. Each wave triggered the next. Consequently, volatility expanded in both directions.
Total liquidations surpassed $7 billion across the broader market. This scale revealed how one-sided positioning had become before the breakdown. When exposure concentrates, even small price shifts can ignite chain reactions.
Meanwhile, ETH failed to stabilize above reclaimed levels. The $2.7K zone remained overhead resistance. This reinforced the idea that rebounds were corrective, not impulsive.
Attention has now shifted to the $2.3K region. That area previously hosted strong demand. If the price reaches it, buyers may attempt to stabilize conditions. However, failure there would expose the $1.8K support band.
Traders continue to frame current rallies as liquidity events. Strength is treated cautiously, while resistance zones receive priority.
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