2026-01-13 06:36:58
The crypto world seems to have a calm, stable center: stablecoins. These are digital assets created to have a stable value (typically $1) and mimic the price of a traditional (real-world) asset, often the U.S. dollar. Stablecoins are typically created in two ways: by backing each token with a traditional asset (fiat-backed) and by programming a stablecoin's price via code (algorithmic). This combination is what makes them both powerful and fragile in different ways.
\ They have proven in the past that they can definitely be disrupted through catastrophic events such as price crashes, depegs, liquidity challenges, and tighter regulations. In this piece, we'll highlight what has occurred and will likely continue to take place regarding this unique asset class.
The Terra ecosystem faced one of the largest disasters in cryptocurrency history. Back in May 2022, its algorithmic stablecoin UST couldn’t keep its $1 peg to the US dollar, which was maintained through a swap mechanism with its LUNA token. As confidence eroded in this system, there was a massive spike in UST redemptions, causing the value of this token to fall dramatically.
\ Consequently, as the market seized on the opportunity to redeem millions of dollars worth of UST, LUNA crashed under the weight of the sell pressure, creating a downward spiral that ultimately eliminated billions of dollars in value from both tokens. This collapse has been characterized by regulators and analysts as a "run" on a bank, whereby investors suddenly rush to withdraw funds in fear of a total collapse.
\ https://www.youtube.com/watch?v=1DolPqvLBaw&embedable=true
\n It wasn’t even the first time something like that happened in the crypto space. In June 2021, Iron Finance launched a partially collateralized stablecoin called IRON, which was secured by USDC and TITAN tokens. In the months leading up to the failure of this project, a number of large token holders decided to sell massive amounts of TITAN tokens, eroding confidence in the stablecoin. Iron Finance began minting an excess number of TITAN in an attempt to cover the shortfall caused by these redemptions. Ultimately, TITAN collapsed in price, and IRON lost its $1 peg and vanished.
Even big names like Tether (USDT) and USD Coin (USDC) aren’t immune. In 2018, USDT's pegging to the US dollar was affected for some time due to a lack of thrust caused by insufficient transparency. This is still an ongoing problem for them.
\ Years later, in 2023, Circle revealed that over $3 billion in assets backing their USDC were held at the Silicon Valley Bank (SVB), just when that institution collapsed. That caused a lot of concern, and many people sold off their coins at the same time. As a result, the stablecoin briefly fell below one dollar on certain exchanges.
\ At least, they were able to recover, but these episodes show that no stablecoin (or any kind of money, really) is immune. Whether backed by fiat, crypto, or code, panic can cause some pretty bad situations.
A few scenarios often lead to de-pegging stablecoins from their underlying assets. One common trigger is an unexpected onslaught of withdrawals. This can occur because of several events, including, but not limited to: overblown rumors about weaknesses in backing, regulatory updates, hacking events, and delays in the release of asset reports—all of which can generate Fear, Uncertainty, and Doubt (FUD).
\ These factors aren’t always associated with real facts, though. Even a stablecoin fully supported by fiat (or beyond, any other bank) can face strain if it can’t access those funds quickly enough to meet everyone leaving at once.
Another trigger is counterparty or banking failure. Many stablecoins depend on real-world institutions like banks or custodians. If one of those partners fails or freezes access to assets, stablecoin issuers may not be able to redeem before disaster comes.
\ Reserve quality is a third factor. If reserves are tied up in illiquid investments or if the issuer doesn’t clearly report what they are holding, they can’t easily convert those assets into cash when needed. Finally, design flaws in the protocol itself can lead to disaster, as we’ve seen in previous cases. If the stabilization method is too fragile or the incentives are misaligned, the peg can break fast.
The large amount of stablecoins held worldwide means that one of these coins failing could create ripple effects throughout the crypto market and beyond. The potential or actual disruption of exchanges, lending platforms, payment services, etc., will be far-reaching. Such a fact hasn’t gone unnoticed by regulators, leading many governments to develop regulations regarding these assets.
\ Europe's Markets in Crypto Assets (MiCA) regulation is one big example of this. Beginning in 2024, all issuers of fiat-collateralized stablecoins must obtain a license and meet certain criteria. They need to provide an accurate market report and adhere to corporate governance principles and protections for consumers. Furthermore, algorithmic stablecoins have been banned.
\
Meanwhile, in the United States, the GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins) took effect in July 2025. Under this legislation, stablecoin issuers will be required to establish and maintain a highly liquid reserve (such as cash or short-term Treasuries) to back their coins. They must also provide ongoing monthly reports about their reserves, not rehypothecate or reuse reserves for other purposes, comply with AML legislation, and receive federal approval before commencing operations.
\ Other regions aren’t standing on the sidelines. The United Arab Emirates, Singapore, Japan, Brazil, and the United Kingdom, for instance, have some rules already in place or are developing new ones. This wave of laws helps reduce the chances of a repeat of previous crashes by forcing transparency, strong reserves, and solid governance among major issuers.
Besides considering the financial risk of stablecoins, there’s also a risk of losing control of your assets. Many of the largest stablecoins (USDT and USDC, for instance) are issued by a centralized company that can freeze or blacklist user accounts after receiving a request from a court, regulator, or for any other internal reason. When a user holds this type of asset, they’re trusting not just the peg but also the issuer’s judgment and legal obligations. \n
The concentration of market share in the stablecoin space is concerning, too, as there are only a small number of issuers that dominate. As a result, if a major company has to take action (whether due to legal, technical, or financial reasons), then a mass disruption will occur to all users and related protocols. If a major issuer were required to freeze accounts, then the wallets of numerous users would also be frozen. That undermines one of the core appeals of crypto: control and autonomy.
\ Some people would prefer to have the ability to hold tokens without having to rely on a centralized party that has the authority to block or freeze their assets. On the other hand, many would prefer to rely on a middleman, as this provides a level of legal compliance and allows for stable liquidity. Ultimately, the choice is between convenience and control, and must be made with care.
Stablecoins can be used safely if you take some simple precautions to ensure you don’t lose your capital to riskier parties. The first step is to properly diversify your holdings. Don’t invest all your funds into just one stablecoin issuer—because if one issuer fails, you risk losing all of your capital.
\ Second, you should always check how transparent and accountable each of the issuers is by reviewing how often they publish reserves to the public, and if they are willing to submit themselves to independent third parties for verification. You should also keep a good part of your savings in tokens that aren’t centralized stablecoins, and even offline in a cold wallet, where no one but yourself can touch them.
\ If you wish to explore the more decentralized side of cryptocurrencies, you may look at Obyte. This is a complete ecosystem that uses a Directed Acyclic Graph (DAG) instead of a blockchain, meaning it has no miners, “validators”, or any type of intermediaries. You can use and create customized tokens here without needing any sort of centralized authority directing how assets are created or when they are frozen. Tokens on this network can resist censorship and adapt to different needs. \n
In summary, remember that stablecoins bring real value but also real risk. By paying attention to design, regulation, and who holds the power, we can use them more safely. We don’t have to give up on stability. We just need to be thoughtful.
Featured Vector Image by Freepik
2026-01-13 06:22:22
The nation-state doesn't need to ban Bitcoin or arrest DAO founders, writes Ray Svitla. The revolution's biggest enemy isn't oppression—it's comfort and convenience, he says.
2026-01-13 03:17:12
Bitcoin is poised to break below $90,000. Analysts predict that a sharp plummet might follow and this has caused many to search for a better place to put their money. They seek the best crypto to buy that will grow quickly. Mutuum Finance (MUTM) has emerged as a top choice, where its presale has already raked in $19,730,000.
More than 18,700 individuals possess MUTM tokens which currently cost $0.04 during Phase 7. However, this price won’t be around for a very long period of time. Phase 7 is running out very quickly.
Once Phase 8 begins, each token costs $0.045, that’s why it’s important to invest now. A $250 investment may be worth $7,500 in months, which makes MUTM a top crypto to buy for substantial profits.
Bitcoin is in a precarious situation as it can’t remain above key levels. It has the possibility of plunging to $86,200. If that happens, most investors will be left with no choice but to sell and this will further bring down the price. Bitcoin’s value fluctuates with the latest news and emotional responses. It lacks a robust model and for individuals in need of progress, that is a concern.
Mutuum Finance (MUTM) is in Phase 7 of the presale. The current price is $0.04 which is your last chance to purchase for this low of a price. The price in the next phase is $0.045 and the launch price is set to be $0.06.
If you purchase now, you will see a profit of $500 at launch from just $1000 investment. Professionals further indicate the price may skyrocket to $0.10 soon. This will increase the $1,000 to $2,500.
There is also a daily contest. The top buyer each day will receive $500 free MUTM tokens. A massive token giveaway is ongoing too. A total of $100,000 is to be given to ten persons making MUTM a genuine new cryptocurrency with investor interests at heart.
Mutuum Finance gives the customer the opportunity to earn in several ways. You can lend your cryptocurrency. For example, if you lend $10,000, you will earn $1,200 in a year.
In addition, you will still have your original cryptocurrency. The platform also shares a portion of its fees with the community through a buy-back and redistribute method. The platform gives these tokens to people who have staked their own. This means long-term participants in the project with a strong commitment to its success. This reduces the chances of massive token dumps.
Mutuum Finance is placing a lot of emphasis on safety. Professionals in the industry such as Halborn Security and Certik have examined their code. There is also a $50,000 bug reward system in place in partnership with Certik.
This ensures a highly secure platform for usage. The initial stage of the platform is almost ready for testing. This ensures the project is not a mere idea but designed for the long term.
The future of Bitcoin is unclear. But that of Mutuum Finance (MUTM) is very clear and strong as it is the best crypto to buy in the current scenario for growth. The presale price is very low and won't be around for long. Buy MUTM today before the price rises.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
:::tip This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.
:::
\n
\ \ \
2026-01-13 03:05:27
January 12, 2026 – New York, NY. AlphaTON Capital Corp (NASDAQ: ATON), the world's leading public technology company scaling the Telegram super app, with an addressable market of 1 billion monthly active users, today reports the signing and closing of a strategic $46 million AI compute infrastructure deal, adding 576 NVIDIA B300 chips, a half cluster, to its books.
This deployment, scheduled for delivery next month in February, is projected to deliver a 27% IRR, 282% ROI, and a Net Present Value of $11 million, building on AlphaTON’s existing $20 million in assets on its balance sheet.
AlphaTON is pioneering a new category in artificial intelligence: providing privacy-preserving, decentralized AI infrastructure deployed at scale through its integration with Telegram's ecosystem and Cocoon AI's groundbreaking confidential compute network.
AlphaTON is providing a full-stack, vertically integrated approach to data sovereignty and privacy-centric AI technologies, positioning itself at the intersection of three major trends:
AlphaTON's next growth initiative, a 576 NVIDIA B300 chip half-cluster, will be the company’s first large-scale confidential compute deployment to address a critical market gap: AI workloads that cannot be run on Big Tech infrastructure due to privacy, sovereignty, or data protection constraints. AlphaTON aims to provide accessibility to privacy-centric market alternatives. \n \n The project is structured with $4 million already paid by AlphaTON to close the deal with cash from its balance sheet, $32.7 million of closed non-recourse debt financing, and an additional $9.3M in equity across small installments paid by AlphaTON ahead of delivery in February and full deployment in March. The structure provides conservative financial leverage with manageable risk, with a two-month grace period for installation, meaning no debt or interest payments are due until after the B300s are installed and revenue-producing from March onward.
Projected Economics Highlight:
The 576 B300s will be hosted at AtNorth's sustainable, 100% hydroelectric-powered data center in Sweden, leveraging some of the world's lowest-cost, cleanest energy. Managed services will be provided by CUDO Compute and SNET Energy Ltd, with financing arranged by Vertical Data and LEAP.
Big Tech's dominance of AI infrastructure creates an existential conflict: all big tech companies control the data input by clients, and the usage and monetization of that data. For enterprises, governments, and individuals that require data sovereignty—whether for regulatory compliance, competitive protection, or ethical principles—there has been no large-scale alternative in the market.
AlphaTON solves this through vertical integration:
"We are contributing confidential compute power to the world's largest privacy-preserving AI network," Brittany Kaiser, CEO of AlphaTON, stated. "Cocoon provides compute that isn't owned or monitored by Big Tech. A privacy-first network where users maintain sovereignty over their data. This is not a philosophical position, it's a trillion-dollar market requirement that AlphaTON is uniquely positioned to capture."
\
"While the broader market remains volatile, AlphaTON has systematically de-risked our capital structure by adding physical compute assets, strategic partnerships, and revenue-generating infrastructure," said Enzo Villani, CIO of AlphaTON Capital. "Our balance sheet today represents not just capital preservation, but offensive positioning for the AI infrastructure supercycle ahead."
Recent market dynamics have transformed AI infrastructure from a speculative sector into a systemic economic necessity. Amazon, Microsoft, Meta,, Alphabet, Oracle, and other hyperscalers spent over $400 billion on AI infrastructure in 2025 and are projected to spend over $600 billion in cumulative AI capital expenditures in 2026. The U.S. government views this as a national priority, taking a 10% stake in Intel to ensure domestic semiconductor supremacy and to send a clear message: AI infrastructure has become critical national infrastructure.
Analysts agree that global data center capacity must nearly triple by 2030, requiring up to $7 trillion in investment, with 70% of new demand driven by AI workloads. AlphaTON is building for the future by securing advanced chip allocations and data center agreements in a variety of jurisdictions to ensure continued scaled deployments of infrastructure investments that benefit from this macro tailwind while simultaneously offering differentiation through its privacy-first positioning.
On November 26, 2025, AlphaTON announced it had entered into agreements to acquire a cluster of 1,000+ NVIDIA B200 GPUs. This set of agreements to purchase a half-cluster of 576 NVIDIA B300 GPUs supersedes the prior agreements. 576 NVIDIA B300s will be AlphaTON Capital’s first larger-scale deployment, in partnership with AtNorth, SNET Energy Ltd., CUDO Compute, Vertical Data and LEAP.
This builds upon AlphaTON’s current pilot deployments of 8 NVIDIA H200s, 8 NVIDIA B200s and 16 NVIDIA B300s in process with Atlantic AI. Since the launch of Telegram’s Cocoon AI on November 30, 2025, AlphaTON has started earning revenues on Cocoon for its AI inference processing and now has enough data to scale.
AlphaTON Capital Corp (NASDAQ: ATON) is the world's leading technology public company scaling the Telegram super app, with an addressable market of 1 billion monthly active users while managing a strategic reserve of digital assets.
The Company implements a comprehensive M&A and treasury strategy that combines direct token acquisition, validator operations, and strategic ecosystem investments to generate sustainable returns for shareholders.
Through its operations, AlphaTON Capital provides public market investors with institutional-grade exposure to the TON ecosystem and Telegram's billion-user platform while maintaining the governance standards and reporting transparency of a Nasdaq-listed company.
Led by Chief Executive Officer Brittany Kaiser, Executive Chairman and Chief Investment Officer Enzo Villani, and Chief Business Development Officer Yury Mitin, the Company's activities span network validation and staking operations, development of Telegram-based applications, and strategic investments in TON-based decentralized finance protocols, gaming platforms, and business applications. \n \n AlphaTON Capital Corp is incorporated in the British Virgin Islands and trades on Nasdaq under the ticker symbol "ATON". AlphaTON Capital, through its legacy business, is also advancing first-in-class therapies targeting known checkpoint resistance pathways to achieve durable treatment responses and improve patients' quality of life.
AlphaTON Capital actively engages in the drug development process and provides strategic counsel to guide the development of novel immunotherapy assets and asset combinations. To learn more, please visit https://alphatoncapital.com/.
This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements relate to future events or AlphaTON's future financial performance and involve known and unknown risks, uncertainties and other factors that may cause actual results to differ materially from those expressed or implied by these forward-looking statements. Factors that could cause or contribute to such differences include, but are not limited to, the development and adoption of AI technologies, cryptocurrency market volatility, regulatory developments, technical challenges in infrastructure deployment, and general economic conditions. AlphaTON undertakes no obligation to update any forward-looking statements, except as required by law.
Investor Relations: \n AlphaTON Capital Corp \n [email protected] \n (203) 682-8200 \n \n Media Inquiries: \n Richard Laermer, RLM PR \n [email protected] \n (212) 741-5106 X 216
:::tip This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.
:::
\
2026-01-13 03:00:04
I’ve heard variations of this so many times: “What is this even for?”, “Why do we need it?”, “This isn’t my job — I’m not here to sit in tasks.” I’ve heard it both directly from developers and from project managers who constantly complained about their stubborn teams.
And every time, it seemed to me that the real problem wasn’t Jira itself (it’s just a tool, even if not the most user-friendly one), but rather that PMs didn’t have the time to explain why it matters — and developers never really had the chance to understand its purpose.
That’s how the idea was born: to create a simple, lightweight guide for developers on how to work with this mysterious creature — not in theory, but specifically for our project. And most importantly, to explain why using it properly matters, especially in the context of distributed (outsourced) development.
This presentation is now used to onboard all new team members at The Outsource Band (Art outsource and co-development studio).
Thank you.
\ \ \ \
2026-01-13 02:51:15
Bitcoin’s recent moves have stirred debate among traders. BTC has shown strength compared to many altcoins, but resistance has built up near key levels. As a result, some large holders are beginning to rotate capital into lower-priced assets that they believe may offer stronger upside potential in the next phase of the market.
One of the cheap crypto names gaining attention is Mutuum Finance (MUTM), a new project building an on-chain lending protocol with an upcoming launch that many say could be a turning point.
Bitcoin (BTC) remains the largest cryptocurrency by market cap and is often viewed as the foundation of broader crypto market trends. At the time of writing, BTC trades near $90,000, with a market cap well above $1.8 trillion.
Over recent weeks, price action has run into resistance around key zones that have stalled further rises. Crypto charts show that BTC has tested these levels multiple times but has not yet made a decisive breakout. The crypto fear and greed index reflects a market in flux, where traders are cautious about placing new large directional bets.
Mutuum Finance (MUTM) is building a decentralized lending protocol on Ethereum that supports both Peer to Contract (P2C) and Peer to Peer (P2P) markets. Both markets allow lending and borrowing, but they differ in matching style and flexibility.
In the P2C model, users supply assets to shared liquidity pools and receive mtTokens in return. These mtTokens represent deposit positions and accrue yield over time. The interest rate paid to mtToken holders adjusts based on pool utilization and borrowing demand. For example, a user can supply 1,000 USDC to a pool and receive mtUSDC in return. .
The P2P market also supports lending and borrowing, but through direct user matching. Borrowers secure loans with collateral and choose between different rate models and collateral types.
Loan to Value (LTV) ratios determine how much credit a borrower can access. If the value of the collateral falls below a set threshold, liquidations are triggered to protect lender liquidity.
Mutuum Finance’s token, MUTM, is currently in an active presale that has advanced through several stages. The presale features fixed token prices and capped allocations for each phase. Early buyers have benefited from lower prices, and tokens continue to sell out phase by phase. The presale started in early 2025 at $0.01 in Phase 1 and is now trading near $0.04 in Phase 7, representing roughly 300% appreciation from the initial level.
The full MUTM supply is 4 billion tokens, with 45.5% allocated for the presale. So far, 825 million MUTM have been sold, and the number of holders has risen above 18,800.
Funding for the presale has reached $19.7M and climbing, reflecting increased interest from both retail and institutional buyers. Mutuum Finance supports card payments, which broadens access for participants who prefer more direct onboarding without using external exchanges. Analysts note that this convenience can help draw a broader base of participants and diversify the investor mix.
Security has remained a key focus for the development team. Mutuum Finance completed an independent audit with Halborn Security, a respected firm in the blockchain space. The review covered contract logic, lending and borrowing modules, collateral handling, and liquidation pathways.
Mutuum Finance’s development roadmap is anchored around the V1 protocol launch. The team has stated that V1 will debut on Ethereum’s Sepolia testnet before finalizing for mainnet.
Once launched, the protocol will enable live on-chain lending and borrowing markets, with collateral rules, liquidation mechanics, and interest rate logic fully active. This is the milestone many analysts see as the first product signal for the protocol.
Some analysts believe that if V1 attracts borrower demand and stable liquidity forms in the first months of operation, MUTM could reprice toward the $0.28 to $0.34 range.
From the current $0.04 tier, this implies a 7x to 8.5x increase. Market commentators explain that such scenarios are based on valuation catch-up, where revenue expectations and usage begin to influence token price rather than short-term momentum alone.
In addition to lending and borrowing, Mutuum Finance plans to introduce stablecoin support. Stablecoins serve as essential liquidity assets in decentralized lending markets, providing a consistent unit of account for borrowing and repayment. The protocol is also exploring Layer-2 expansion to reduce cost and increase transaction speed once public markets demand higher throughput.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
:::tip This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.
:::
\ \ \ \
