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Top Crypto Picks to Watch Now: Cold Wallet, MNT, XMR, and NEAR

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Looking for the top crypto picks right now? You’re not alone. With July wrapping up and the market shifting quickly, smart crypto users are locking in on assets that don’t just promise hype, but offer actual value, utility, or strong upside. This list isn’t just a rundown of what’s moving, it’s a look at what’s working. From utility-first wallets flipping the script on fees to Layer 2 tokens making technical breakouts, there’s real momentum behind these choices.

Whether you’re here to explore projects with cash-back utility, ones solving gas fee problems, or just tracking high-conviction buys for Q3 2025, these five are pulling attention for a reason. Cold Wallet, MNT, XMR, and NEAR all bring something practical to the table, and the earlier you get familiar with them, the better. Let’s break down why each belongs on your top crypto picks radar right now.

1. Cold Wallet – Crypto That Pays You Back

Cold Wallet is changing how wallets work by turning fees into rewards. Instead of punishing users with gas costs, swap charges, and on/off-ramp fees, it gives back. Every time you make a move, whether it’s swapping tokens, bridging funds, or just paying gas, you earn CWT, the utility token at the center of the system. And the more CWT you hold, the more you get back. Cashback rates start at 10% for gas and go up to 100% at the highest tier. No staking, no lockups, just hold the token in your wallet and enjoy the perks. Cold Wallet makes using crypto feel fair again.

The CWT token presale is live, starting at just $0.00942 in a 150-stage model where each stage increases in price. The presale has raised more than $5 million so far, confirming market belief in the project. Early users also get referral bonuses in CWT, 10% for referrers and 5% for invitees, all with a clean vesting plan. What sets Cold Wallet apart isn’t just rewards, it’s the way it flips the model. This isn’t another vault app or static storage tool. It’s built for real usage, with a clean UI and future-ready infrastructure aiming at zero gas overhead. In a market where wallets usually extract value, Cold Wallet gives it back. That’s why it leads this list of top crypto picks for utility-driven holders and active users alike.

2. MNT – Beta Utility and Breakout Setup

Mantle (MNT) is gaining attention for more than just its price. It’s showing real traction through its latest utility layer: the UR beta, now live until August 8. This project focuses on building an Ethereum Layer 2 network that’s clean, modular, and optimized for scalable dApps. Its structure makes it ideal for users tired of Ethereum’s congestion and fees, and its token has reflected that interest.

As of July 29, 2025, MNT is trading around $0.76, pulling back slightly from its $0.85 mid-month peak. Analysts are watching closely because technicals suggest a continued bullish run, especially if MNT stays above the 200-day EMA. Forecasts vary, but many place its end-of-year range between $0.79 and $1.38 depending on network growth and adoption of its tools. With strong development and reliable tokenomics, MNT sits comfortably on any shortlist of top crypto picks right now.

3. XMR – Privacy Still Pays

Monero (XMR) remains the most recognizable privacy coin, and it’s not going anywhere. It’s trading at around $315 as of July 29, after peaking near $324 recently. Despite some hashrate centralization concerns from the Qubic mining pool, the Monero community responded quickly, with a new version (0.18.4.1 “Fluorine Fermi”) released on July 25. That patch helped stabilize things while reaffirming Monero’s commitment to decentralized control.

Long-term analysts are still optimistic. While conservative estimates peg XMR’s end-of-year price around $420, others forecast a move toward $670–$688 if momentum holds. XMR’s appeal lies in its purpose: real privacy with zero compromise. In a time when data privacy matters more than ever, and surveillance concerns are growing, Monero’s practical use case keeps it relevant, and keeps it one of the top crypto picks for those who want more than just DeFi hype.

4. NEAR – Technical Strength and Institutional Inflows

NEAR Protocol has been riding steady technical setups all July. It jumped 6.9% between July 24 and 25, moving from $2.61 to $2.79, and has since corrected slightly to around $2.70. Despite the dip, interest hasn’t faded. This is one of the few tokens showing strong accumulation patterns with real potential to break out, especially if it holds the double-bottom confirmation many analysts are tracking.

NEAR’s development hasn’t slowed either. It continues to attract institutional flows and build ecosystem tools that scale well. Forecasts suggest a move toward $3.12–$3.27 in August, and long-term projections push even higher, up to $5.22 or more by 2026 depending on market stability. With clear targets, rising user volume, and consistent updates, NEAR deserves a solid spot among the top crypto picks for users who want performance with structure.

Summing Up

If you’re looking for smart, current, and practical assets to watch right now, these five should be high on your list. Cold Wallet is creating a cashback economy around every transaction, letting users earn instead of bleed out on fees, and that model alone reshapes how self-custody works. MNT is building real infrastructure with measurable traction, and its technical setup hints at more room to run. XMR keeps delivering on privacy with an active dev community and reliable price movement. NEAR is grinding out technical wins and pulling serious volume even in market pullbacks.

Each project brings its own advantage, whether it’s reward mechanisms, user-first design, or technical reliability. These aren’t just trending names, they’re projects with backbone. And if you’re compiling your list of top crypto picks, don’t just go by hype, go by what’s working. These picks are working. And they’re working right now.

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Crypto

What Drives XRP Price? Ripple Insider Highlights Liquidity Over Hype

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Greg Kidd, an early executive at Ripple and a long-time figure in the cryptocurrency space, has shared fresh insights into what truly drives XRP’s long-term relevance. Rather than focusing on short-term price fluctuations, Kidd argues that liquidity and supply dynamics are the most critical factors determining XRP’s role and sustainability within the global financial system.

According to Kidd, XRP’s value proposition lies in its ability to function efficiently within payment infrastructure, not in speculative price movements. He believes that without deep and reliable liquidity, XRP cannot fully perform its intended purpose, regardless of how high its market price may rise.

Early XRP Investment Reflects Long-Term Conviction

Kidd revealed in a past interview that he still holds a substantial XRP position, having acquired roughly 1% of the total XRP supply more than five years ago. This investment predates the wave of institutional adoption and modern crypto market infrastructure, underscoring his long-standing confidence in XRP as a financial utility rather than a speculative asset.

His early involvement gives him a rare, long-term perspective on how real value is created within blockchain ecosystems. Kidd views XRP as a tool designed to solve liquidity challenges in global finance, not simply as a vehicle for price appreciation.

XRP’s Role as a Bridge Asset in Ripple’s Ecosystem

Kidd emphasized that XRP’s primary function is to act as a bridge asset within Ripple’s payment network. While Ripple builds enterprise-grade systems for cross-border transfers, XRP enables seamless movement of value between different fiat currencies.

He noted that XRP’s effectiveness is independent of Ripple’s corporate performance. Instead, the token’s strength lies in its ability to provide fast, cost-efficient liquidity across markets, making it suitable for large-scale transactional use.

Liquidity Matters More Than Price

A key takeaway from Kidd’s commentary is that liquidity outweighs price when it comes to XRP’s utility. High liquidity allows participants to move in and out of positions quickly, with minimal slippage—an essential requirement for institutional and cross-border payment use cases.

Kidd explained that even if XRP’s price increases, a lack of deep and efficient markets would limit its usefulness. In contrast, strong liquidity enables XRP to function as a reliable transactional instrument within the global payments ecosystem.

Supply, Demand, and Long-Term Price Potential

While liquidity is central to XRP’s role, Kidd acknowledged that supply constraints and rising demand naturally influence price over time. As adoption grows and markets mature, increased demand relative to available supply could support long-term price appreciation.

However, he stressed that any meaningful upside would be driven by real usage and sustained participation rather than speculation. In his view, price growth should be a byproduct of utility, not the primary objective.

Ripple’s Vision for Blockchain-Based Banking

Beyond XRP, Kidd has shared a broader vision for Ripple’s role in transforming traditional finance. Speaking at the XRP Las Vegas conference in June 2025, he suggested that blockchain technology could modernize legacy banking systems and integrate traditional institutions into decentralized networks.

In his current role as CEO of Vast Bank, Kidd is working on issuing FDIC-insured U.S. dollar tokens on the XRP Ledger. These tokens operate under a fractional-reserve model and aim to deliver capital efficiency, interest generation, regulatory protection, and 24/7 cross-border payment capabilities. He also plans to expand this framework to other currencies, including the British pound and the euro.

Conclusion

Greg Kidd’s perspective reinforces the idea that XRP’s long-term success depends far more on liquidity, structured adoption, and real-world utility than on short-term price action. While price appreciation may follow as markets deepen, Kidd believes XRP’s true value lies in its ability to function as a reliable bridge asset within a modernized global financial system.

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Supreme Court Decision Expands Crypto Seizure Powers in South Korea

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South Korea’s Supreme Court has delivered a landmark ruling that significantly reshapes how cryptocurrency is treated under criminal law. In a historic decision dated December 11, 2025, and made public in early 2026, the court ruled that Bitcoin held on domestic cryptocurrency exchanges can be legally seized during criminal investigations under the Criminal Procedure Act.

The ruling brings long-awaited clarity after years of legal uncertainty surrounding whether digital assets qualify as seizable property in criminal cases. The case stemmed from a police investigation into alleged money laundering, during which authorities seized 55.6 Bitcoin from an individual’s account on a local cryptocurrency exchange. The defense argued that Bitcoin, being intangible, could not be classified as property subject to seizure. However, the Supreme Court firmly rejected this argument.

In its reasoning, the court explained that “seizable property” under the Criminal Procedure Act is not limited to physical assets. Instead, it also includes electronic data and other forms of property that hold economic value. The justices concluded that Bitcoin meets these criteria, describing it as an electronic asset that can be independently managed, traded, and economically controlled. As a result, it can be confiscated when legal conditions are satisfied.

The ruling further confirmed that digital assets stored in custodial exchange wallets—such as those operated by major Korean platforms—fall within the scope of lawful seizure. This interpretation aligns with previous judicial views in South Korea, which have already recognized virtual assets as non-tangible property with real economic value.

Implications for Law Enforcement and Crypto Exchanges

This decision is expected to significantly strengthen prosecutorial powers in crypto-related criminal cases, particularly those involving money laundering, fraud, or the concealment of illegal proceeds through digital assets. By resolving a long-standing legal debate, the ruling removes a major obstacle that previously complicated enforcement actions involving exchange-held cryptocurrencies.

Legal experts note that the decision is consistent with South Korea’s broader regulatory stance on digital assets. Over the past year, authorities have increased scrutiny of the crypto sector and imposed penalties on several exchanges for violations related to anti-money laundering compliance.

While the ruling does not directly impact lawful users of cryptocurrency, it is likely to encourage exchanges to enhance their cooperation with law enforcement agencies. This may include faster response mechanisms, improved asset-freezing procedures, and stronger internal compliance systems to meet legal obligations.

Overall, the Supreme Court’s decision marks a major step forward in the legal treatment of virtual assets in South Korea. By clearly stating that Bitcoin held on exchanges is subject to seizure under criminal law, the ruling provides much-needed guidance for investigators and prosecutors. As the crypto landscape continues to evolve, this precedent is expected to play a critical role in shaping future enforcement practices within South Korea’s digital asset ecosystem.

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Hotako ($HOTA): A Meme Coin Built to Escape the Pump & Dump TrapLaunching on Pump.fun — Jan 7, 14:00 UTC

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In a meme coin world full of short-term hype and broken promises, Hotako ($HOTA) emerges as a refreshing exception — a project with heart, culture, and a real plan.

Born from Japan’s creative spirit and powered by a global team, Hotako is more than just a meme — it’s a full-fledged movement combining storytelling, education, and entertainment, wrapped in the charm of an anime-inspired cosmic cat from Planet Nyaru.

A Meme Coin Built with Vision

Hotako’s story revolves around a curious cat-girl from Planet Nyaru who travels to Earth to teach humans the joy of learning and exploration through fun and community.

But behind this adorable character lies a professional team with a strategic roadmap, aiming to redefine what a meme coin can achieve.

While most meme coins pump and dump — taking investor funds and disappearing, Hotako is built differently.

The team’s vision is clear: to create a meme coin that delivers real value, rewards long- term holders, and sustains investor confidence through transparency, innovation, and continuous development.

Massive Marketing & Partnerships

The Hotako team is executing one of the most comprehensive marketing strategies in the current meme coin market:

  • Top-tier KOLs and YouTube influencers onboarded globally.
  • Cross-platform marketing on Twitter (X), Reddit, Binance Square, and more.
  • Strategic partnerships with major Web3 platforms like Intract, DogWithCap, and IQAICOM and 30 plus crypto projects.
  • Community engagement campaigns, including the ongoing Hotako Meme Contest, Shilling Contest and upcoming NFTs with real rewards.
  • Upcoming billboard, CEX listing partnerships, and PR collaborations across Asia, the US, and Europe.
  • Optimized profiles on DexTools and DexScreener, including promotional boosts.
  • Paid ads across crypto media platforms.
  • Planned CoinMarketCap and CoinGecko listings.
  • Listings on top discovery platforms.
  • Upcoming CEX, billboard, and global PR collaborations

These efforts ensure Hotako reaches audiences far beyond typical meme coin boundaries — connecting both casual users and serious Web3 investors.

Launching on Pump.fun 7th January 2026 at 14:00 UTC

The official launch of $HOTA will take place on 7th January 2026 at 14:00 UTC, exclusively on Pump.fun.
Don’t miss your chance to join early — the Snack Squad is growing fast.

Hotako is gearing up for its official debut on Pump.fun, one of Solana’s most active and transparent launch platforms, ensuring a fair and open entry for all investors.

But the Pump.fun launch is just the beginning. The roadmap ahead includes:
CEX Listings
NFT Collections & Airdrops
Interactive “Snack Missions” & Nyaruverse Expansion
Global collaborations with AI, Gaming, and Web3 communities

$HOTA — Where Memes Meet Meaning.

Hotako NFTs — Rewarding Long-Term Holders

Following launch, Hotako plans to introduce limited NFTs tied to its Nyaru universe. These collectibles will be airdropped to the top 100 long-term holders as a way to recognize early belief and community commitment.

Redefining the Meme Coin Meta

Hotako’s approach combines humor, culture, and strategy — but with investor value at its core.

The team’s goal is to build a meme coin that lasts, one that grows stronger over time instead of collapsing after launch. By aligning storytelling with community-driven token utility and consistent marketing execution, $HOTA aims to prove that meme coins can be both fun and financially rewarding.

“Hotako represents a new kind of meme movement — one that respects investors, builds trust, and focuses on sustainable growth,” said a project spokesperson. “We’re not here for a quick pump; we’re here to build a lasting legacy.

🌐 Official Links

Website: https://hotako.fun
Twitter (X): https://x.com/HOTA_Adventure
Telegram: https://t.me/HOTA_Adventure
Instagram: https://www.instagram.com/hota_adventure/
Tiktok: https://www.tiktok.com/@hota_adventure

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