Shiba Inu Could Rise But Investors Are Moving to Mutuum Finance to 10x Their Investments

By: bitcoin ethereum news|2025/05/09 02:00:07
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Shiba Inu (SHIB) may still have gas left in the tank, with modest price targets hinting at a possible move back toward its previous highs, but savvy investors aren’t waiting around. With SHIB’s growth curve slowing and meme coin fatigue setting in, attention is rapidly shifting to Mutuum Finance (MUTM). Currently in Phase 4 in presale, Mutuum Finance has already pulled in over $7.8 million from more than 9,600 investors. The token is currently priced at $0.025, but that’s set to increase by 20% to $0.03 once Phase 5 begins. With over 60% of Phase 4 already sold out, this is the ideal moment for investors to get in before prices climb. As the next bull run approaches, smart money is betting big on function over fame. Mutuum Finance: The Next Big Thing in DeFi Mutuum Finance presents itself as an outstanding innovator in decentralized finance through its dual-lending model that has impressed the entire crypto community. The project stands out for its combination of Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models through its new uniquely connected system. The project has gained substantial investor trust as it already surpasses 9,600 investors together with its $7.8 million presale total. Despite the $0.025 token price in Phase 4 it is expected to rise to $0.03 in the upcoming phase as demand intensifies before the supply dwindles. Mutuum Finance has introduced a dynamic dashboard featuring real-time leaderboards of the 50 highest token holders and provides additional MUTM tokens for leaders. The additional MUTM token rewards for board leaders create friendly competition which motivates investors to spend more time in the platform. This gamified aspect contributes to the development of an extremely interactive environment. How Mutuum Finance’s Dual Lending System Works At the heart of Mutuum Finance’s appeal is its hybrid lending system. Through the P2C model, users can earn passive income by lending USDT to smart-contract-powered liquidity pools that handle everything automatically. On the other hand, the P2P model eliminates third-party interference entirely giving users the freedom to borrow or lend directly ensuring more privacy, flexibility, and control. This blend of two systems strikes a strong balance between decentralization and efficiency, offering something that appeals to both cautious and adventurous DeFi users alike. The $100,000 Giveaway and Growing Community Mutuum Finance isn’t stopping at just building tech, it’s also building a thriving user base. To that end, the team has launched a $100,000 token giveaway, in which ten winners will each receive $10,000 worth of MUTM tokens. There’s also a referral program designed to reward users for bringing others into the ecosystem, with incentives for individuals and organizations alike. Holders of MUTM tokens gain access to exclusive updates and features, helping them stay closely connected to the platform’s progress and direction. While Shiba Inu (SHIB) may provide marginal gains, Mutuum Finance (MUTM) is the actual breakout sweetheart for 2025. With Phase 4 of the presale already sold out 60%, there is no time to wait. The rates will increase by 20% in Phase 5, and experts are projecting humongous returns for early birds. More than $7.8 million has already flowed into this next-gen DeFi project, and with a $100,000 giveaway and increasing community incentives, the momentum keeps building. Act fast before the price rises, Mutuum Finance could be your chance to 10x your investment. For more information aboutMutuumFinance(MUTM) visit the links below: Website: https://www.mutuum.finance/ Linktree: https://linktr.ee/mutuumfinance Source: https://www.cryptopolitan.com/shiba-inu-could-rise-but-investors-are-moving-to-mutuum-finance-to-10x-their-investments/

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Before using Musk's "Western WeChat" X Chat, you need to understand these three questions

The X Chat will be available for download on the App Store this Friday. The media has already covered the feature list, including self-destructing messages, screenshot prevention, 481-person group chats, Grok integration, and registration without a phone number, positioning it as the "Western WeChat." However, there are three questions that have hardly been addressed in any reports.


There is a sentence on X's official help page that is still hanging there: "If malicious insiders or X itself cause encrypted conversations to be exposed through legal processes, both the sender and receiver will be completely unaware."


Question One: Is this encryption the same as Signal's encryption?


No. The difference lies in where the keys are stored.


In Signal's end-to-end encryption, the keys never leave your device. X, the court, or any external party does not hold your keys. Signal's servers have nothing to decrypt your messages; even if they were subpoenaed, they could only provide registration timestamps and last connection times, as evidenced by past subpoena records.


X Chat uses the Juicebox protocol. This solution divides the key into three parts, each stored on three servers operated by X. When recovering the key with a PIN code, the system retrieves these three shards from X's servers and recombines them. No matter how complex the PIN code is, X is the actual custodian of the key, not the user.


This is the technical background of the "help page sentence": because the key is on X's servers, X has the ability to respond to legal processes without the user's knowledge. Signal does not have this capability, not because of policy, but because it simply does not have the key.


The following illustration compares the security mechanisms of Signal, WhatsApp, Telegram, and X Chat along six dimensions. X Chat is the only one of the four where the platform holds the key and the only one without Forward Secrecy.


The significance of Forward Secrecy is that even if a key is compromised at a certain point in time, historical messages cannot be decrypted because each message has a unique key. Signal's Double Ratchet protocol automatically updates the key after each message, a mechanism lacking in X Chat.


After analyzing the X Chat architecture in June 2025, Johns Hopkins University cryptology professor Matthew Green commented, "If we judge XChat as an end-to-end encryption scheme, this seems like a pretty game-over type of vulnerability." He later added, "I would not trust this any more than I trust current unencrypted DMs."


From a September 2025 TechCrunch report to being live in April 2026, this architecture saw no changes.


In a February 9, 2026 tweet, Musk pledged to undergo rigorous security tests of X Chat before its launch on X Chat and to open source all the code.



As of the April 17 launch date, no independent third-party audit has been completed, there is no official code repository on GitHub, the App Store's privacy label reveals X Chat collects five or more categories of data including location, contact info, and search history, directly contradicting the marketing claim of "No Ads, No Trackers."


Issue 2: Does Grok know what you're messaging in private?


Not continuous monitoring, but a clear access point.


For every message on X Chat, users can long-press and select "Ask Grok." When this button is clicked, the message is delivered to Grok in plaintext, transitioning from encrypted to unencrypted at this stage.


This design is not a vulnerability but a feature. However, X Chat's privacy policy does not state whether this plaintext data will be used for Grok's model training or if Grok will store this conversation content. By actively clicking "Ask Grok," users are voluntarily removing the encryption protection of that message.


There is also a structural issue: How quickly will this button shift from an "optional feature" to a "default habit"? The higher the quality of Grok's replies, the more frequently users will rely on it, leading to an increase in the proportion of messages flowing out of encryption protection. The actual encryption strength of X Chat, in the long run, depends not only on the design of the Juicebox protocol but also on the frequency of user clicks on "Ask Grok."


Issue 3: Why is there no Android version?


X Chat's initial release only supports iOS, with the Android version simply stating "coming soon" without a timeline.


In the global smartphone market, Android holds about 73%, while iOS holds about 27% (IDC/Statista, 2025). Of WhatsApp's 3.14 billion monthly active users, 73% are on Android (according to Demand Sage). In India, WhatsApp covers 854 million users, with over 95% Android penetration. In Brazil, there are 148 million users, with 81% on Android, and in Indonesia, there are 112 million users, with 87% on Android.



WhatsApp's dominance in the global communication market is built on Android. Signal, with a monthly active user base of around 85 million, also relies mainly on privacy-conscious users in Android-dominant countries.


X Chat circumvented this battlefield, with two possible interpretations. One is technical debt; X Chat is built with Rust, and achieving cross-platform support is not easy, so prioritizing iOS may be an engineering constraint. The other is a strategic choice; with iOS holding a market share of nearly 55% in the U.S., X's core user base being in the U.S., prioritizing iOS means focusing on their core user base rather than engaging in direct competition with Android-dominated emerging markets and WhatsApp.


These two interpretations are not mutually exclusive, leading to the same result: X Chat's debut saw it willingly forfeit 73% of the global smartphone user base.


Elon Musk's "Super App"


This matter has been described by some: X Chat, along with X Money and Grok, forms a trifecta creating a closed-loop data system parallel to the existing infrastructure, similar in concept to the WeChat ecosystem. This assessment is not new, but with X Chat's launch, it's worth revisiting the schematic.



X Chat generates communication metadata, including information on who is talking to whom, for how long, and how frequently. This data flows into X's identity system. Part of the message content goes through the Ask Grok feature and enters Grok's processing chain. Financial transactions are handled by X Money: external public testing was completed in March, opening to the public in April, enabling fiat peer-to-peer transfers via Visa Direct. A senior Fireblocks executive confirmed plans for cryptocurrency payments to go live by the end of the year, holding money transmitter licenses in over 40 U.S. states currently.


Every WeChat feature operates within China's regulatory framework. Musk's system operates within Western regulatory frameworks, but he also serves as the head of the Department of Government Efficiency (DOGE). This is not a WeChat replica; it is a reenactment of the same logic under different political conditions.


The difference is that WeChat has never explicitly claimed to be "end-to-end encrypted" on its main interface, whereas X Chat does. "End-to-end encryption" in user perception means that no one, not even the platform, can see your messages. X Chat's architectural design does not meet this user expectation, but it uses this term.


X Chat consolidates the three data lines of "who this person is, who they are talking to, and where their money comes from and goes to" in one company's hands.


The help page sentence has never been just technical instructions.


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