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28 Jan 2026, 08:30

Crypto today: Safe-yield vaults hit $6B as traders chase gold and silver

Here's a look at what moved the market recently.

28 Jan 2026, 08:30

Best Crypto to Buy Now: Is Mutuum Finance (MUTM) a Smarter Investment Than Ripple (XRP) in 2026?

As investors search for the best crypto to buy now in 2026, the debate is shifting from established names to high-upside newcomers. Ripple (XRP) remains one of the top assets by market capitalization. However, its growth potential may be more limited compared to emerging projects still in early stages. This has brought Mutuum Finance (MUTM) into focus, a DeFi-focused project gaining traction through its presale and most recent V1 protocol launch on the Sepolia testnet. Ripple (XRP) Drifting Lower Within Descending Channel Ripple (XRP) has started to drift lower and has been moving within a descending channel, indicating that the bears are still firmly in control of the market and the price. The support level at $1.81 has been holding up relatively well, and any further decline will result in Ripple (XRP) moving towards $1.61 if the price continues to be rejected at the 20-day EMA, which is currently at $1.97. Ripple (XRP) has been a market leader for a long time, with its potential for growth shrinking as investors seek out other cryptocurrencies to buy. One such cryptocurrency is Mutuum Finance (MUTM), which many experts are calling a top crypto to watch in 2026. Presale Gains Give Early Investors a Head Start The token began at $0.01 in Phase 1 and currently stands at $0.04 in Phase 7. It is expected to rise to $0.045 in Phase 8. If an investor invested $1,500 in the token at the current price, they would see their investment rise to $1,800 by the time the token reaches Phase 8. This would mean they would earn $300 before the token even reaches the trading platform. For the launch, when the token is priced at $0.06, the investment will rise to $2,250. This would mean the investor would earn $750 before market-wide adoption. If we look at the long-term potential of the token, it is expected to rise by 20x. This would mean the $1,500 investment would rise to $30,000. These figures have shown the potential of MUTM as a DeFi crypto and one of the best cheap cryptocurrencies to invest in 2026, making it a strong candidate for the best crypto to buy now. How DeFi Lending Works on Sepolia Testnet Mutuum Finance has become more tangible with the launch of its V1 protocol . This is the first time users test out the protocol’s lending and borrowing. The first version will include key features such as: Liquidity pools mtTokens, which are yield-bearing tokens within MUTM Debt tokens An automated liquidator bot Support for ETH, USDT, LINK, WBTC In the Mutuum Finance liquidity pools, a user can deposit $5,000 in an asset like WBTC for attractive APYs between 8% and 12%. They can also commit an asset like ETH as collateral to access quick funds if they don’t want to sell their ETH position. This way they attend to their needs while still retaining their holdings. $7500 in ETH collateral could, for instance, unlock $5,000 in stablecoins. Lenders are issued mtTokens, which are onchain representations of their deposits that grow in value as interest is accrued on them. Taking the example of a user who deposits $5,000 in WBTC during the testnet, they’ll receive $5,000 mtWBTC which accrues interest. On the other side, debt tokens record all loans on the blockchain, thereby making all borrowing positions transparent. Currently, the testnet supports 4 key assets, including USDT, ETH, LINK, and WBTC. Incentives Boost Early Participation To encourage participation in the presale, Mutuum Finance is offering incentives for those who participate in the event. Ten winners in the $100,000 giveaway event will receive $10,000 each, while the daily leaderboard rewards $500 to the top daily buyer. This ensures that MUTM is the best crypto to buy and invest in for 2026. When deciding on the best crypto to buy now for 2026, there are only two options: stability or explosive growth. Although Ripple (XRP) is a great choice for its stability, Mutuum Finance (MUTM) is the better choice for its potential for explosive growth. Currently priced at $0.04 in its presale and having already offered significant returns for early investors, MUTM is the better choice for those looking for a tangible product. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance

28 Jan 2026, 08:30

Public Companies Quietly Add Bitcoin Despite Flat 2026 Prices

American Bitcoin Corporation said its holdings rose to 5,843 BTC after adding 416 coins, placing it 18th among public Bitcoin treasury companies. Hyperscale Data also disclosed an additional 10 BTC purchase through its subsidiary, while SRx Health Solutions reported roughly $18 million in crypto holdings across Bitcoin and Ethereum. Larger holders continued to accumulate, with Strategy making four January purchases. At the government level, South Dakota lawmaker Logan Manhart reintroduced legislation allowing up to 10% of certain public funds to be invested in Bitcoin, but federal efforts toward a US Bitcoin reserve are still delayed by legal and procedural constraints. Corporate Bitcoin Treasuries Grow Public companies are quietly expanding their Bitcoin treasuries in early 2026, even though prices are still range-bound and market sentiment stays cautious. New disclosures this week suggest that corporate accumulation has not slowed, as several firms added to their holdings despite Bitcoin trading largely flat over the past month. Nasdaq-listed American Bitcoin Corporation revealed on Tuesday that it increased its Bitcoin holdings to 5,843 BTC, after adding 416 coins. The company said it climbed to 18th place among publicly traded Bitcoin treasury holders since debuting on Nasdaq in September of 2025. American Bitcoin was not alone in increasing reserves. Hyperscale Data, which describes itself as an AI data center operator “anchored by Bitcoin,” disclosed that its subsidiary Ault Capital Group purchased 10 BTC during the week ending Jan. 25. This lifted the group’s consolidated holdings to 560 BTC. SRx Health Solutions, a healthcare services provider, announced crypto holdings valued at roughly $18 million across Bitcoin and Ethereum. These disclosures came as Bitcoin traded sideways close to the $88,000 level over the past 30 days, according to CoinCodex data, and it is also still down more than 12% year-on-year. On the bright side, the muted price action has not deterred larger, more established corporate holders. BTC’s price action over the past 30 days (Source: CoinCodex) Strategy, the largest corporate holder of Bitcoin, already made several major purchases in January. The company disclosed four separate acquisitions this month, pushing its overall holdings to 712,647 BTC. Top Bitcoin treasury companies (Source: BitcoinTreasuries.NET) Not all companies are moving in the same direction, however. Video game retailer GameStop transferred its entire 4,710-BTC holding to Coinbase Prime last week, which caused speculation that it may be reconsidering its Bitcoin treasury strategy after a prolonged period of market stagnation. Overall, the disclosures paint a mixed but telling picture. While some firms reassess their exposure, a number of public companies are still quietly accumulating Bitcoin. South Dakota Revives Bitcoin Reserve Proposal It is not just companies that want to stock up on Bitcoin. A South Dakota lawmaker reintroduced legislation that would allow the state to invest public funds in Bitcoin. The effort originally stalled roughly a year ago. Representative Logan Manhart introduced House Bill 1155 on Tuesday, proposing changes to South Dakota’s investment statutes that would permit the State Investment Council to allocate up to 10% of certain public funds to Bitcoin. The bill is very similar to legislation that Manhart sponsored in 2025, with only minor revisions. This could mean that there is still some confidence that the proposal could gain traction this legislative session. Manhart announced the bill on X, and framed the effort as a financial resilience play, writing, “Strong money. Strong state.” If approved by lawmakers and signed into law, South Dakota would join a small but growing group of US states that have formally moved to recognize Bitcoin as a potential reserve or treasury asset. As of January, only Texas, Arizona, and New Hampshire have enacted laws allowing state governments to invest in Bitcoin or keep cryptocurrencies seized through law enforcement actions. Similar proposals have surfaced in several other states, though many are still under debate or stalled in committee. Manhart is a Republican representing South Dakota’s 1st District, and took office in January 2025. He has positioned Bitcoin policy as a core part of his legislative agenda. At the federal level, uncertainty remains around the creation of a US Bitcoin reserve. President Donald Trump signed an executive order in March of 2025 establishing a Strategic Bitcoin Reserve and a Digital Asset Stockpile, but implementation has proven to be a bit more complex. Patrick Witt, director of the White House Crypto Council, said in January that “obscure legal provisions” were delaying execution, and pointed out that the order did not explicitly authorize the government to purchase Bitcoin. Meanwhile, Treasury Secretary Scott Bessent suggested that budget-neutral methods for acquiring Bitcoin could exist, which leaves the door open for future federal action.

28 Jan 2026, 08:28

BTC Volatility Compression Hits Extreme Levels: Traders Brace for Release

Bitcoin has been compressed within a clear range between $80.5K and $95K for 73 days now. The ranging market has also been characterized by unusually low volatility, especially when you compare to traditionally less volatile assets like gold and silver. Sentiment has been bleak ever since the liquidation event of October 10th and this tight zone with muted price action has brought a sense of apathy among market participants. That said, volatility indicators are flashing signals that this level of compression is historically rare, often preceding sharp directional moves because markets tend to resolve extended periods of calm with expansion. Volatility Measures Showing Extremes Bitcoin is often associated with its immense volatility and it remains so on an absolute basis. However, as time has passed, that degree of volatility has been coming down dramatically as BTC becomes a more mature, institutionally adopted asset with deeper liquidity. In fact, on a volatility adjusted basis, it’s actually increasingly comparable to certain mega cap tech stocks like Nvidia, Tesla and Meta. Source: Ishares As of this writing Bitcoin’s annualized volatility stands at 34.06%, down well from the triple digits it once was not so long ago. What is striking is that Bitcoin’s historical volatility is tightening further in the short term as price remains constricted in the narrow range. This is reflected in the 30-day realized volatility metric, which measures the standard deviation of BTC’s daily returns over a rolling 30-day window and annualizes the result. Since November 16th last year, when BTC entered the current range, this 30-day realized volatility has declined from 2.06% to 1.66%. Long periods of volatility suppression like this are historically uncommon for Bitcoin, making this especially notable, not because of what has already happened, but for the likelihood of volatility expansion and directional resolution that typically occurs after an extended lull. Another indicator reinforcing the ongoing compression is Bitcoin’s Sharpe ratio, which measures risk-adjusted returns by comparing excess returns to realized volatility. In simple terms, it tells us whether the volatility investors are taking on is being adequately compensated by returns. As shown in the chart, Bitcoin’s Sharpe ratio has once again fallen to levels historically associated with major market bottoms. These troughs typically emerge when volatility remains elevated relative to returns, or when returns stagnate while volatility contracts, both characteristics of late-stage consolidations and sentiment exhaustion. What’s important here is context. Low Sharpe ratio readings do not mark precise bottoms, nor do they preclude further downside. During the 2022 bear market, Bitcoin’s Sharpe ratio remained deeply depressed for extended periods even as price continued to grind lower. However, these regimes have consistently coincided with risk-reward resets, where downside momentum weakens and the market transitions away from impulsive trend behavior. Taken together with historically low realized volatility and prolonged range-bound price action, the depressed Sharpe ratio adds another layer of evidence that Bitcoin is operating in a compressed, low-conviction environment. These conditions tend to draw attention not because they guarantee an immediate reversal, but because they reflect a market where volatility has been suppressed for long enough that the probability of regime change begins to rise. Liquidity and Positioning Building Quietly Prolonged tight ranges tend to allow liquidity and positioning to build quietly beneath the surface, and this is clearly reflected in the 1-week BTC liquidation heatmap. On the upside, a dense concentration of liquidation liquidity is visible between $91,500 and $93,000, suggesting a buildup of short positioning that has yet to be tested. On the downside, liquidity clusters are notably thicker between $88,000 and $86,000, with additional depth extending toward the mid-$85,000s, pointing to leveraged long exposure accumulating below the range. As price continues to oscillate without resolution, these zones become more concentrated, increasing the likelihood that a decisive move will trigger cascading liquidations once either boundary is breached. In this context, the tight range is allowing leverage and liquidity to stack asymmetrically, setting the stage for amplified follow-through when price ultimately escapes the consolidation. ​​ Signals Traders Are Watching for Confirmation The first area to suggest a positive trend reversal for BTC would be reclaiming the ascending trendline within the parallel channel. This higher low formation was in play from 21st November all the way until a break of structure on 20th January. A reclaim and retest of this zone with high volumes would suggest a trend shift but a continued rejection at this level would imply that sellers remain in control.

28 Jan 2026, 08:23

Tether Quietly Becomes One of the Biggest Global Gold Market Players, Holds 140 Tons of Gold

Crypto giant Tether Holdings has been shaking up the rising gold market with massive metal hoarding over the past year. The stablecoin issuer now holds around 140 tons of gold, according to CEO Paolo Ardoino. In an interview with Bloomberg , Ardoino spoke that Tether aims to continue to cultivate its massive profits from holding, competing with banks in bullion trading. “We are soon becoming basically one of the biggest, let’s say, gold central banks in the world,” he noted. Tether’s Rapid Gold Purchases in Past Year The crypto firm bought more than 70 tons of gold over the course of last year for its reserves as well its gold-backed stablecoin XAUT, a Wednesday Bloomberg report read. The yellow metal hoarding is more than that was reported by the three largest exchange-traded funds, it added. With 140 tons of gold reserves, the Tether bullion hoarding is worth $23 billion at current market prices, the largest known treasury outside of those held by central banks, ETFs and private banks. Ardoino noted that the company has been accumulating more than a ton of gold every week. “And it’s only growing,” he said, adding that Tether intends to continue it for “definitely the next few months.” “Then of course, based on the market, we are going to decide, but yeah, I think we will continue in this direction,” Ardoino said. “Maybe we are going to reduce, we don’t know yet. We are going to assess on a quarterly basis our demand for gold.” Tether Stores Bullion in Swiss Nuclear Bunker The USDT issuer is particular in storing its massive gold hoardings. The company has taken “the unusual step” of storing the precious metal in the former nuclear bunker in Switzerland, guarded by multiple layers of thick steel doors, Ardoino, 41, added. “It’s a James Bond kind of place, it’s crazy,” he described the vaults. Besides, Tether is also looking to trade the precious metal, competing with major Wall Street players, including JPMorgan Chase & Co. and HSBC. “Our goal is to have a steady, stable, long-term access to gold,” Ardoino noted. Following the news, Tether’s gold-backed XAUT stablecoin soared 3.99% over the last 24 hours, per CoinMarketCap data . The asset extended its weekly (+8.88%) and monthly (+18.06%) gains amid broader bullion strength. The crypto firm’s gold holdings surpasses nations like Greece and Australia, positioning it among the top 30 global holders. The post Tether Quietly Becomes One of the Biggest Global Gold Market Players, Holds 140 Tons of Gold appeared first on Cryptonews .

28 Jan 2026, 08:12

JST Comprehensive Technical Analysis: Detailed Review of January 28, 2026

JST holding uptrend at $0.04 while under pressure from short-term bearish signals; support at $0.0397 critical. BTC downtrend increasing altcoin risk, cautious strategy recommended.