Crypto
Top Crypto Picks to Watch Now: Cold Wallet, MNT, XMR, and NEAR
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.
Crypto
ChimpX AI Announces Final Pre-Sale of SuperApp on BNB Chain: Grab $CHIMP at $0.25 Before February Listing
As the broader cryptocurrency market begins its much-anticipated structural recovery, the window is rapidly closing for investors to gain early-stage exposure to one of the year’s most significant “DefAI” projects. ChimpX AI has officially entered its final pre-sale phase on the AlphaMind launchpad, offering the global community a final chance to acquire the $CHIMP token at a strategic valuation before it transitions to public trading on PancakeSwap later this month.
The timing of this launch is critical. Following a turbulent start to 2026, Bitcoin and BNB are signaling a definitive reversal. As capital rotates back into utility-driven ecosystems, ChimpX AI is positioning itself as the premier “SuperApp” for the BNB Chain. This final pre-sale round on AlphaMind is not merely a fundraising event; it is the final gate before the protocol enters the open market with a functional product and a rapidly growing user base.
The AlphaMind Advantage: A Strategic Entry Point
The AlphaMind round is specifically structured to reward early conviction. Following sold-out IDOs on premier platforms like SPORES and Poolz Finance, ChimpX AI has reserved this final allocation for retail participants at a price point of $0.25 per token. With a $4 million Fully Diluted Valuation (FDV) at the pre-sale level, $CHIMP represents a rare opportunity to enter a high-utility infrastructure project before the typical “listing volatility” associated with top-tier DEX launches.
Furthermore, the round features a 25% unlock at the Token Generation Event (TGE). For participants, this provides a significant liquidity advantage, allowing them to benefit from the initial market momentum immediately upon the PancakeSwap listing.
Mojo: The Tech Driving the Hype
The frenzy surrounding the $CHIMP pre-sale is driven by the successful launch of the Mojo SuperApp (available at app.chimpx.ai). Unlike many speculative AI projects that offer “vaporware,” ChimpX AI has delivered a working product that addresses the biggest barrier to DeFi: Gas Fees.
By integrating Account Abstraction on the BNB Chain, Mojo allows users to trade, lend, and manage assets without ever needing to hold gas tokens. This “invisible blockchain” experience—where the complexity of Gwei and gas limits is abstracted away by AI—is widely considered the “Holy Grail” for retail onboarding in 2026.
Countdown to PancakeSwap
The urgency for the AlphaMind round is high, as the project prepares for its primary listing on PancakeSwap in February. Market analysts note that similar AI-driven DeFi projects on the BNB Chain have seen massive price discovery post-listing, especially when backed by a functional product.
Investors can participate by visiting https://app.alphamind.co/ido/6989a7df51f2ab92207ec335?invite=rmzD-2dY
The process is streamlined to allow for quick commitments with a maximum ticket size of $15,000 per wallet.
Official Ecosystem Links:
- SuperApp: app.chimpx.ai
- Website: www.chimpx.ai
- Telegram: https://t.me/chimpxofficial.
Crypto
What Drives XRP Price? Ripple Insider Highlights Liquidity Over Hype
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.
Crypto
Supreme Court Decision Expands Crypto Seizure Powers in South Korea
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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