Hong Kong will implement new rules for stablecoin issuers on Friday, as Asian regulators ramp up oversight in response to President Donald Trump’s push to advance US dollar-pegged tokens.
The rules will tightly govern the issuance of stablecoins linked to the Hong Kong dollar and their associated marketing and distribution activities.
Additionally, strict rules have been established for issuing a stablecoin license. According to these rules, firms dealing with Stablecoins must present their application before a September 30 deadline. After following this step, it is anticipated that the central bank will release the first approvals at the beginning of next year, the Hong Kong Monetary Authority (HKMA) said.
Hong Kong develops strict stablecoins rules in support of the crypto ecosystem
Following Trump’s pro-crypto stance, he recently introduced a stablecoin law and signed it on July 18. This was a significant move for the US president, as he believes that this law will enable the US to achieve its goal of becoming the global leader of the crypto space and finance as a whole. While not all, several stablecoins are pegged to the US dollar.
Concerning the recent stablecoin regulations in Hong Kong, it is worth mentioning that it is viewed as a place to conduct regulatory tests in China. This was observed after it was revealed that China now supports cryptocurrencies linked to the yuan, after years of forbidding them.
Robin Xing, a managing director at Morgan Stanley, weighed in on the topic of discussion. He explained that China intends to be independent of the US dollar as a payment method using stablecoins. Based on Robin Xing’s argument, this digital currency can be useful in broader cross-border payments as it is reliable and can lower the transaction cost.
The managing director said that since Hong Kong’s stablecoin market is still under development, it will take some time to fully effect the changes.
Ideally, stablecoins users have adopted a strategy to back their digital assets with a mixture of monetary assets. This is because they can easily manage the value of monetary assets and maintain their worth near the currency they stand for.
Another significant requirement to obtain a license is to have a capital of around 25 million Hong Kong dollars or an equal sum in another currency that can be exchanged.
The stablecoin rules aim to reduce cryptocurrency risks and prevent anti-money laundering activities.
50 businesses in Hong Kong apply for a stablecoins license
Following Hong Kong’s stablecoin rules, analysis from sources reveals that around 50 businesses are expected to apply for the permits. However, the HKMA stated that they will have “a high bar” for licensing and only “a few licences” will be issued at the outset.
These applicants include Jack Ma, backed by Ant Group Co.’s international unit and an online retailer, JD.com’s subsidiary. RD InnoTech Ltd, a firm backed by former HKMA chief Norman Chan, also intends to apply. The HKMA, Ant Group, and JD. Com declined to comment on the applications.
In an email, a spokesperson from RD InnoTech stated their intentions: they want to start with a stablecoin tied to the Hong Kong dollar, targeting business-to-business cross-border payments.
According to the representative, the new regulations and infrastructure could help set the stage for tokenizing the Renminbi offshore, referring to the official name of the Chinese yuan.
The Hong Kong Monetary Authority says it will introduce a six-month transitional period for existing stablecoin issuers as the city’s new Stablecoin Ordinance takes effect on August 1, 2025.
This initiative supports Hong Kong’s goal of becoming a regulated digital asset hub, while strengthening oversight of firms issuing fiat-backed cryptocurrencies.
During this transition, the HKMA will grant temporary licenses to applicants with a clear plan for achieving full regulatory compliance. Companies must submit formal license applications within three months or face potential shutdown within the subsequent four months.
Samsung Electronics Co.’s semiconductor division posted a disappointing profit for the June quarter, underscoring mounting challenges at the world’s largest memory chipmaker.
The critical business unit recorded an operating profit of just 400 billion won ($288 million), far below analysts’ consensus estimate of 2.73 trillion won. The shortfall was largely attributed to mounting losses at its foundry division and tightening US export controls on high-bandwidth memory (HBM) chips.
South Korea’s tech giant, which had issued a downbeat profit and revenue guidance earlier in July, reported net income of 4.93 trillion won—missing the 6.37 trillion won expected by analysts.
Samsung’s foundry losses deepen as US export controls bite
The profit slump stemmed partly from a one-time inventory write-down at Samsung’s foundry business, which was impacted by weak demand from China and delayed chip shipments due to export restrictions. Declining utilization rates also weighed on earnings. The company said this came despite sustained demand for premium memory chips used in servers.
Samsung Electronics reported a more than 15-fold surge in operating profit for the second quarter of 2024, buoyed by a rebound in semiconductor prices fueled by strong demand from the artificial intelligence sector.
The world’s leading maker of memory chips, smartphones, and TVs estimated its operating profit reached 10.4 trillion won ($7.54 billion) for the three months ending June 30, up sharply from just 670 billion won ($482 million) in the same period last year.
The result surpassed the 8.8 trillion won SmartEstimate compiled by LSEG, which prioritizes forecasts from historically accurate analysts. It also marked Samsung’s most profitable quarter since Q3 2022.
Analysts noted that, beyond rising chip prices, the strong performance was likely aided by the reversal of previous inventory write-downs, as the accounting value of Samsung’s chip stock recovered.
For now, the tech firm anticipates that foundry losses will narrow in the second half of 2025, buoyed by a gradual rebound in demand.
Samsung rallies on Tesla chip deal as AI ambitions intensify
The lackluster quarterly results arrived just days after Samsung secured a $16.5 billion contract to manufacture AI chips for Tesla Inc. at its upcoming Taylor, Texas, facility. The deal has boosted investor sentiment, sending the company’s shares up 10% since Monday and over 20% for July—marking its strongest monthly performance in over four years.
To regain ground in the booming AI memory space, Samsung is ramping up investments in research and expanding front-end capacity. The company is also intensifying efforts to land contracts with major clients like Tesla to revive its struggling foundry operations.
If the multi-year Tesla agreement proceeds successfully, it could open doors to more high-profile clients and serve as validation for Samsung’s next-gen 2-nanometer process technology.
Struggles in AI memory market highlight SK Hynix’s growing lead
Investors are also watching closely to see if Samsung will benefit from Nvidia’s resumption of H20 AI chip sales to China. Samsung’s HBM3 memory has previously been paired with Nvidia’s H20 model, although it trails behind in performance compared to SK Hynix’s HBM3E.
Construction of Samsung’s Taylor plant has faced delays, with production now slated to begin in 2026. The company continues to face stiff competition from Taiwan Semiconductor Manufacturing Co. (TSMC), which is expanding US production at its Arizona facility.
Samsung’s position in the advanced HBM chip segment remains tenuous. It has struggled to secure Nvidia’s certification for its latest offerings, allowing rival SK Hynix to establish a dominant lead in the rapidly expanding AI memory market.
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Market experts have scaled back their forecasts on the potential compensation banks might owe consumers as the UK Supreme Court prepares to deliver a highly anticipated judgment on hidden commissions tied to car loans.
The ruling, expected this Friday, follows an October decision by the Court of Appeal that triggered a wave of compensation claims from car buyers who said they were misled by undisclosed commissions paid by banks to dealerships. The case has since become a flashpoint for the UK financial sector, with billions of pounds potentially at stake.
Supreme Court ruling could sharply cut bank compensation liabilities
However, analysts now believe the Supreme Court could limit the scope of the earlier judgment, reducing the estimated financial hit to banks and likely curtailing the ruling’s ripple effects across other commission-based industries.
“There has been a shift downwards in consensus estimates of redress costs for banks by about 20 per cent,” said Benjamin Toms, analyst at RBC Capital Markets. He added that growing sentiment among legal experts suggests the top court may partially reverse the Court of Appeal’s position.
Toms recently revised his estimates, lowering the projected industry-wide compensation cost — spanning banks and non-banks — by 30%, down to £11 billion. That figure, he noted, remains “well below consensus expectations.”
Jefferies banking analyst Jonathan Pierce also expects a more favourable outcome for lenders. He believes the potential liability for Lloyds Banking Group, the UK’s largest car finance provider through its Black Horse arm, could fall from £4 billion to no more than £2 billion.
Pierce, who attended the April Supreme Court hearings, pointed out that judges appeared to scrutinize key issues like fiduciary duty and dishonest assistance — suggesting a narrower interpretation could emerge.
HSBC had previously estimated the scandal could cost lenders up to £44 billion, including £10 billion in administrative costs. However, the bank returned that projection after the analyst responsible for the figure departed the firm.
Simon Crown, financial regulation partner at Clifford Chance, echoed the market’s cautious optimism: “Most likely the Court of Appeal decision won’t be fully upheld, but the judgment will be somewhere in between.”
Meanwhile, millions of UK consumers are being targeted by “no-win, no-fee” legal services offering to pursue compensation claims. The rise in such offers has sparked concern from regulators, who worry some firms may be exploiting claimants.
On Thursday, the Solicitors Regulation Authority (SRA) and the Financial Conduct Authority (FCA) issued a joint warning about “poor practices.” The agencies noted that consumers could face fees as high as 30% of their redress.
The SRA is currently investigating 73 law firms over possible breaches of high-volume claims protocols. “Where we find cases where firms are not acting in the best interest of their clients, we will investigate and take action,” said SRA chief executive Paul Philip. The FCA also revealed that 224 misleading car loan redress advertisements had been amended or removed over the past year.
Should the Supreme Court ruling favor claimants, the FCA is considering a formal redress scheme offering free access to compensation claims to protect consumers. The watchdog urged firms to inform clients of this potential option and disclose any exit fees.
Some consumers involved in no-win, no-fee cases have been warned they could be charged up to £175 an hour if they withdraw. “Any fee must be reasonable and reflect the work actually undertaken,” said the regulator.
Experts warn of broader legal risks if ruling sets wide precedent
Even if the banks win the legal battle, they still face billions in compensation claims over discretionary commissions, encouraging dealers to arrange loans with inflated interest rates.
There are also lingering concerns that the Court of Appeal’s earlier ruling could pave the way for similar lawsuits across sectors such as insurance, consumer credit, and price comparison services — all of which use commission structures.
However, legal experts anticipate that the Supreme Court will set limits. Julius Grower, a commercial law professor at the University of Oxford, believes the judges will clarify the scope of fiduciary duties and narrow the potential for future litigation.
“The problem with the Court of Appeal judgment, as far as the banks were concerned, was that it held there was a fiduciary duty in every relationship between a car dealership and consumer,” Grower said. “And that, simply by paying a commission, the bank was deliberately dishonest in suborning that.
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Sundar Pichai, the CEO of Google, and Brian Saluzzo, a Google executive who heads a team of developers, advised their workforce to quickly adopt AI in their operations to increase productivity as the tech giant seeks suitable ways to curb the rise in expenses.
In an audio recording obtained by CNBC, Pichai pointed out that earlier, when companies experienced a period of massive investment, they responded by adding more workforce. However, the CEO stated that this has taken a new shift with the increased adoption of AI in the sector.
In this AI era, he anticipated that the technology needs to be applied in the company’s daily operations for a firm to achieve more success in its productivity.
Several tech companies embrace AI in their productivity
There is a widespread trend among tech companies that invest significant amounts in constructing large data centers that can support huge AI models and manage heavy workloads. The companies are trying to reduce costs in other areas to achieve this significant investment.
An example of this tech company is Google. According to recently released reports, it is eyeing an investment of around $85 billion to boost capital expenditures this year. This is a 10% increase from the last investment of around $75 billion.
During a meeting, Pichai highlighted that the competition in the tech sector has become stiffer. According to his research, some firms will prioritize enhancing their employee productivity, urging that this is a good strategy; hence, they should consider it too.
Similar to Google, Amazon has also shifted its focus towards AI. Andy Jassy, the CEO of Amazon, shared a message with the employees, mentioning that since the company has increasingly adopted AI generative tools and agents, it will soon lay off some corporate staff.
In the meantime, Jassy urged the employees to quickly explore using AI tools in productivity and teach themselves how to work effectively with fewer people in their teams.
The same month, Julia Liuson, the president of the Developer Division at Microsoft, addressed employees, stating that at this time, adopting AI in their daily operations was not an option.
This came after Tobi Lutke, the CEO of Shopify, pointed out that tech companies expect their employees to learn to use AI in their daily operations quickly. Afterwards, Lutke stated that before teams request additional staff or resources, they should explain why they cannot achieve their goals using AI.
Google lays off its workforce to significantly invest in AI
Alphabet, the parent company of Google, has significantly reduced its workforce in the past few months. To illustrate, in 2023, it started off with around 191,000 full-time workers. This figure drastically dropped to around 187,000 as per last month’s data. Even if it has increased its workforce, it is only a very small percentage, reports from sources reveal.
Concerning its layoff, Google began cutting off 6% of its workforce in 2023 across various departments. This did not stop at this point; it has embraced the trend to date. Analysis from sources revealed that Google has continued reducing its workforce since the year began, while giving employees buyouts.
In a statement, Pichai expressed that this is a time to make significant investments, and therefore, caution should be exercised while managing the company’s resources. Concerning Google’s advancements in AI, the CEO mentioned that he was pleased with the progress as it aligned with his goals: to improve the firm’s effectiveness and productivity.
Google declined to respond to a request for comment immediately.
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Australia has added YouTube to a list of online sites and apps that will be blocked as part of a proposed ban on social media for children under 16 after facing major backlash for initially leaving it out.
The ABC reported Tuesday that Australian Prime Minister Anthony Albanese and communication minister Anika Wells would announce the move on Wednesday. The move would bring YouTube abruptly into the company of major social networks, such as TikTok, Instagram, and Snapchat, as potential targets of the proposed regulations.
Due to coming into force as early as the end of 2025, the ban will prevent children from setting up or using accounts on popular social media sites where parent or guardian consent is not included as a requirement offered by the service.
The announcement comes as the internet companies face mounting pressure over young people’s safety online, including their use of social media and its effects on mental health and exposure to harmful content.
YouTube was not originally included in the roundup of platforms that the legislation would apply to. The exclusion had resulted in numerous complaints from rivals in the tech industry and safety advocates. It also raises long-term questions about the fairness and effectiveness of the law that is now being considered.
Regulators demand better protections for kids
The government’s decision to expand the codes to YouTube is a response to years of pressure from multiple quarters, including inside and outside the tech industry. Regulators, including the eSafety Commissioner, Julie Inman Grant, have warned that not including YouTube would leave a gaping loophole in shielding children from the worst of the digital world.
YouTube is often the first platform young Australians use for learning, entertainment, and social interaction. However, it has also become a major channel through which harmful content reaches this age group. Excluding it from regulation would undermine the effectiveness of the entire policy.
The row intensified last month when it was revealed that the then-communications minister, Michelle Rowland, had secretly reassured Google executives, who own YouTube, that their platform would not fall under the new rules. Thepersonal pledge, previously reported, drew outrage and questions about transparency and influence in creating policy.
Competing firms, including Meta Platforms Inc. (the parent company of Facebook and Instagram), Snap Inc. (Snapchat), and TikTok, reportedly pushed back, arguing that the law would need to be applied uniformly across all platforms to be effective.
Firms must act to restrict under-16 access
While the new restrictions aim to keep online spaces safer for children, they are also fraught with enforcement issues.
Minister Wells acknowledged that tech-savvy young users will look for a way around the restriction. “Kids will find workarounds, God bless them, we know they will,” Wells told ABC on Wednesday. “Platforms must take reasonable steps to try and stop that from happening.”
Online companies must also have the strongest age verification and parental consent system under the law. Though specific enforcement mechanisms are yet to be worked out, companies that defy the rules could be hit with hefty fines.
The ban will spare YouTube Kids, an app built not only for kids, but with parental controls and curated content. The government says it will give parents a safer alternative for finding child-friendly materials online.
The response has been mixed from digital rights activists and parents. Some celebrate it as a move to rein in cyberbullying, oversharing, and addictive content for children. Critics of these efforts argue that heavy regulation could put up barriers to popular educational and creative tools, which students use widely.
Even so, the step will put Australia at the vanguard of an emerging global trend. Governments worldwide, from the United States to the UK, from other European Union member countries, are mulling stricter digital protections for children.
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As the crypto market braces for another wave of gains, all eyes are on the soaring trajectory of Mutuum Finance (MUTM). The project is rapidly gaining traction among investors. The token has surpassed the $13.7 million milestone in its presale. Mutuum Finance is capturing investor attention with record-breaking gains and surging on-chain activity.
Meanwhile, Shiba Inu (SHIB) holders eagerly watch mounting token burns that could nudge the memecoin closer to the coveted $0.000050 mark. With market sentiment shifting and capital flows gravitating toward emerging ecosystems, traders are weighing whether SHIB’s deflationary push can keep pace with the unstoppable momentum of Mutuum Finance.
Shiba Inu (SHIB) The Burn Spikes Amid Drop in Price
At the moment, Shiba Inu (SHIB) is trading at about $0.000014, and after a recent short push this week due to a huge 883% increase in the rate at which SHIB tokens are being burned, seeing in excess of 21 million SHIB tokens destroyed in one day, and with over 410 trillion tokens burned so far. Irrespective of these vicious deflationary acts, the price has retreated by almost 5%, where it is trading at its current range below the $0.000014 mark.
Analysts note that although burn activity increase could improve long-term scarcity, price performance offers a typical post burn consolidation due to the traders processing the news of the burn. Within the larger context, there is also additional interest in something new like Mutuum Finance.
Phase 6 of Mutuum Finance Presale Now Live
Mutuum Finance has completed its Phase 5 presale in record time and launched Phase 6 with tokens now available at $0.035, a 16.17% increase over the last round. The upcoming price adjustment will lift the token by another 14.29% to $0.04, giving current participants the chance to secure a 71.43% return by the time it lists at $0.06. The presale has already drawn in more than 14,500 investors and raised upwards of $13.7 million, signaling strong market confidence in MUTM’s future.
Dual-Lending: Powering the Future of DeFi
Mutuum Finance utilizes a double-model mechanism to support flexibility as well as efficiency in Peer-to-Contract and Peer-to-Peer models of lending.
Peer-to-Contract utilizes self-executory smart contracts that perform the function of lending independently without any human intervention at all. They have been designed to operate according to dynamic rates in the market with an unstable rate of interest as determined by present demand and supply of an in-real-time interest.
Peer-to-Peer model removes intermediaries and offers market to be in direct contact with lenders and borrowers. That is all the more so if its use is to risky assets because it offers the range of having personalized terms of a loan and flexibility based on user will and his or her risk-tolerance levels.
Mutuum Finance Reinforces Commitment to Stability
Mutuum Finance (MUTM) will be introducing a stablecoin that will be USD pegged on the Ethereum blockchain. It will be a safe and secure investment tool to avoid risk and volatility that can be found in algorithmic stablecoins.
The project has also undergone thorough auditing by Certik to ensure blockchain security and safety of user funds. This milestone bears testimony to the ambitions of Mutuum Finance to be an institutional-grade and open DeFi protocol. It indicates that the team is also keen to remain in line with the industry’s security standards.
Mutuum Finance Rolls Out $50K Bug Bounty to Enhance Safety
Mutuum Finance has initiated its Bug Bounty Program with the size of the reward pool set at $50,000 USDT. The program features four levels of severity. They are critical, major, minor, and low. Therefore, every bug that would exist is found and rewarded. It supports the team’s vision of developing a secure, transparent, and high-quality DeFi protocol.
Shiba Inu’s burns draw attention, but Mutuum Finance (MUTM) is gaining stronger traction. Phase 6 presale runs at $0.035, raising $13.7M+ from 14,500+ investors. A 71.43% ROI awaits at launch price $0.06. Secure tokens now.
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US Senator Cynthia Lummis of Wyoming has introduced a groundbreaking bill that could reshape how Americans finance their homes. Titled the 21st Century Mortgage Act, the bill proposes that cryptocurrency be recognized as a legitimate asset for mortgage applications, allowing digital asset holders to use their crypto as collateral when applying for single-family loans.
This legislative action comes after the US Federal Housing Finance Agency (FHFA) issued a June directive advising federal mortgage agencies to explore crypto assets in reviewing mortgage applications. Lummis’s bill would enshrine this guidance into law, officially incorporating digital assets into the American housing finance system.
Lummis said on Tuesday that the bill adopts a modern approach to building wealth and highlighted that, even for those who do not invest in digital assets, they likely know someone who does. She added that the bill aims to promote economic inclusion and reflects current trends in accumulating wealth, particularly among younger investors.
Lummis cited a recent US Census Bureau report that found, as of the first quarter of 2025, just 36% of Americans aged 35 and younger own homes compared with older age groups. She contends that permitting crypto to count as mortgage collateral could carve out new avenues to homeownership for this digitally savvy segment of Americans.
If approved, borrowers would not be required to convert their crypto holdings into fiat currency. Instead, the value of the crypto assets could be directly valued or considered when assessing the mortgage application. This could enable buyers to not risk out on potential asset growth by selling their tokens to be eligible for a home loan.
Democrats question crypto risk in housing loans
That logic does not go over well with some lawmakers, however. Senate Democrats push back on proposed implementation of digital assets in the US housing market. They say cryptocurrency is still far too volatile, illiquid, and unpredictable for it to be considered stable collateral for long-term loans, such as mortgage payments.
In a letter dated July 24, a group of Senate Democrats expressed concern to FHFA Director William Pulte about the potential financial risks of the policy. They warned that, even as the crypto market matures, ongoing volatility and liquidity issues could make it difficult for borrowers to exit their crypto positions and convert assets into cash at prices sufficient to support their mortgage obligations.
The members requested a full risk assessment, recommending that the FHFA consider the broader implications of digital assets in the traditional housing finance system. They also cautioned that crypto-based mortgage lending could inadvertently drive up the price of homes, exacerbate speculation in the market, or destabilize parts of the economy if the values of cryptocurrencies unexpectedly plummet.
Congress pushes forward crypto mortgage bills
Other crypto-centric bills are currently making their way through Congress, as part of a larger trend toward regulating and mainstreaming digital assets in US financial law.
Ms. Lummis also sponsored a separate Republican bill to establish a full market structure for digital assets. That bill carves out SEC and CFTC roles and offers regulatory clarity for crypto exchanges, token issuers, and investors.
Another bill gaining traction — especially among conservatives — would prohibit the Federal Reserve from creating a central bank digital currency (CBDC) based on privacy and government overreach concerns. The House passed this bill and may come up in the Senate in the fall, after the August recess.
The House version of Lummis’ mortgage bill, which is also called theAmerican Homeowner Crypto Modernization Act, was introduced on July 14 by Representative Nancy Mace. Mace’s legislation requires mortgage lenders to consider digital assets in their underwriting if borrowers have assets in crypto brokerage accounts.
Global events are stoking momentum as well. In July, Australian company Block Earner said it would offer Bitcoin-backed mortgages. The rollout was facilitated by a legal victory after the Federal Court of Australia decided that the firm’s crypto loan products should not be regarded as financial products under the current legislation.
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Singapore’s central bank is expected to keep its monetary policy unchanged at its upcoming review on July 31. This comes amid persistent global economic uncertainty. According to a Bloomberg survey, 14 of 19 economists anticipate that the Monetary Authority of Singapore (MAS) will maintain its current policy stance. The MAS previously eased policy in January and April, marking its most accommodative position in five years.
Singapore’s approach to its monetary policy is quite exceptional. Unlike central banks that alter interest rates, MAS uses the exchange rate as its main instrument. It conducts monetary policy by adjusting the width, midpoint, and slope of a policy band for the Singapore dollar. This way, a small and open economy like Singapore can better deal with imported inflation and external shocks.
Five economists predict more easing, including those at Goldman Sachs Group Inc. and Bank of America. They said MAS may choose to “slightly” lower the slope of its policy band to provide a little more leeway for an economy already facing external shocks.
Strong growth and stable inflation strengthen the case for MAS policy hold
One of the big reasons the markets had anticipated the hold in policy is that Singapore’s economic performance in the recent past has been quite strong.”
Earlier this month, estimates indicated Singapore skirted a technical recession. The economy expanded more than expected in Q2 2025, driven by strong growth in manufacturing, construction, and exports of services.
That has boosted economists’ confidence, with many believing the worst may be over. Chua Hak Bin, an economist at Maybank Securities, said the growth outlook appeared to have bottomed out. He noted that given the economy’s resilience and stable core inflation, their team had projected that MAS would keep policy unchanged in the second half of the year, despite lingering downside risks.
Inflation has also been tepid in Singapore, with core prices up 0.6% in June. Although MAS does not have an explicit target for inflation, it has signaled that a 2% rate is consistent with price stability. With prices stable and growth back on track, the central bank has some time before it needs to continue to act.
However, not all analysts are persuaded that standing pat is the right path. What if they’re too tight? Some say that they believe inflation expectations remain very weak and that the Singapore dollar is quite strong, so that export competitiveness could be hit further.
Global risks drive MAS’s cautious outlook
Though domestic data looks increasingly optimistic, global risks remain a major factor in Singapore’s economic prospects. The escalating trade showdown between the United States and its economic partners worldwide is on everyone’s minds.
Singapore’s trade-independent centrality to the whirling tensions of global commerce was showcased this week as US President Donald Trump proposed new import tariffs on the United States from China, and 10% of those imports could affect the trade-reliant city-state. Although that rate is lower than that endured by some of Singapore’s neighbors, it could still be a significant drag on one of the world’s most open economies.
MAS Managing Director Chia Der Jiun has publicly recognized this risk, saying earlier this month that although core inflationary pressures are still mild, policymakers must be alert to risks in both directions. He cautioned that a resurgence in global trade protectionism could damage Singapore’s export-oriented industries, such as electronics, logistics, and finance.
If global downside risks materialize, seven of nine economists, who answered a follow-up question to the survey, expect MAS to move towards easing in 2025-2026.
Central banks worldwide have been growing increasingly worried that structural changes in global trade, such as Trump’s reshoring ambitions, could slow investment and trade over the long term. If these changes persist, Singapore could be steered into renewed economic contractions, even if inflation is kept in check.
Flow coin price prediction for 2025 could reach a maximum value of $ 0.9203.
By 2028, FLOW could reach a maximum price of $1.77.
In 2031, FLOW will range between $4.59 to $5.54.
Flow coin, the native token of the Flow blockchain created by Dapper Labs, is essential for powering decentralized applications (dApps) and digital assets. Flow aims to provide a high-performance, user-friendly platform that tackles scalability without sacrificing decentralization. Its unique architecture allows developers to build secure and efficient smart contracts.
FLOW, its native token, has several key uses within the ecosystem, including paying transaction fees, staking, and participating in network governance. The growing number of dApps and users on the platform drives demand for Flow coin, influencing FLOW’s price movements.
Given Flow coin’s strong fundamentals and growing support levels in the ecosystem, the question arises: how high can FLOW go? What will FLOW price be in 2025?
Overview
Cryptocurrency
Flow
Token
FLOW
Price
$0.3943
Market Cap
$630.1M
Trading Volume
$34.82M
Circulating Supply
1.59B FLOW
All-time High
$46.16
All-time Low
$0.2916
24-hour High
$0.4298
24-hour Low
$0.3932
Flow coin technical analysis
Metric
Value
Volatility (30-day Variation)
11.08%
50-Day SMA
$0.3698
14-Day RSI
62.55
Sentiment
Neutral
Fear & Greed Index
75 (Greed)
Green Days
19/30 (63%)
200-Day SMA
$0.4319
Flow coin (FLOW) price analysis
TL;DR Breakdown
FLOW broke below key support at $0.406 with MACD turning negative.
Short-term indicators show heavy selling volume.
The critical support for FLOW lies at $0.380-$0.385.
Flow coin 1-day price analysis: FLOW sees a breakdown from consolidation pattern
The FLOW/USDT 1-day price chart for July 28 shows that the coin has experienced a significant technical breakdown, falling from $0.458 to the current level of $0.394. The token has broken below critical support levels that had been holding since mid-July, with the price now trading beneath the middle Bollinger Band at $0.406.
The breakdown occurred after FLOW failed to sustain momentum above the upper Bollinger Band resistance near $0.458, creating a classic rejection pattern that has now led to a cascade lower. The MACD indicator has turned decisively bearish with the signal line crossing below the MACD line, while the histogram shows increasing negative momentum that suggests the selling pressure is accelerating.
FLOW maintains its bearish pattern on the 4-hour timeframe, with price action showing a clear breakdown from what appeared to be a consolidating range between $0.420-$0.425. The token has fallen through the 20-day SMA at $0.414 and is now testing the psychological support level at $0.390, which coincides with recent swing lows.
The On-Balance Volume indicator has plummeted to -37.93M, indicating that the recent selling has been accompanied by substantial volume, which adds credibility to the bearish move and suggests distribution. The price structure shows lower highs and lower lows forming, with each bounce getting weaker and failing to reclaim previous support levels that have now turned into resistance.
FLOW technical indicators: Levels and action
Daily simple moving average (SMA)
Period
Value
Action
SMA 3
$0.3934
SELL
SMA 5
$0.4088
SELL
SMA 10
$0.4235
SELL
SMA 21
$0.4042
SELL
SMA 50
$0.3698
BUY
SMA 100
$0.3882
BUY
SMA 200
$0.4319
SELL
Daily exponential moving average (EMA)
Period
Value
Action
EMA 3
$0.3887
BUY
EMA 5
$0.3798
BUY
EMA 10
$0.3752
BUY
EMA 21
$0.3797
BUY
EMA 50
$0.4151
SELL
EMA 100
$0.4846
SELL
EMA 200
$0.5644
SELL
What to expect from Flow?
FLOW appears positioned for further downside testing, with immediate support at $0.380-$0.385 and potential deeper retracement toward $0.350 if current support fails. The combination of broken trend support, bearish momentum indicators, and high-volume selling suggests this move lower has legs, though oversold conditions may provide temporary bounces that should be viewed as selling opportunities rather than reversal signals.
Is FLOW a good investment?
Flow coin has potential as an investment due to its strong partnerships with major brands and its focus on powering decentralized applications, especially in the NFT and gaming spaces. However, like all cryptocurrencies, it carries significant volatility and risks, so investors should carefully consider market conditions and risk tolerance before investing.
Will FLOW reach $1?
The $1 price mark is within range, having reached that level in early December 2024. Renewed buyer interest could push FLOW to $1 and above in the coming months.
Will FLOW reach $5?
This level has not been achieved since February 2022. For FLOW to recapture the $5 levels, significant cash inflows will be required.
Can FLOW reach $50?
FLOW has previously reached an all-time high (ATH) of $46.16, so reaching $50 is achievable. However, a significant bull run and tangible ecosystem updates are required to achieve this feat, as the coin is currently 98% below its ATH.
Is Flow a good blockchain?
Flow is a solid blockchain, especially for gaming and NFTs. It is designed for scalability, fast transactions, and low fees. The network’s unique multi-role architecture improves efficiency without compromising decentralization.
However, it faces fierce competition, and adoption levels are not as high as those of Ethereum and Solana.
Does FLOW have a good long-term future?
Projections suggest substantial growth over the coming years, with a potential peak of $3-$4 by 2031. This positive outlook reflects a strong potential for sustained value appreciation and continued market relevance.
Flow blockchain is seeing massive growth in DeFi, with TVL reaching $80.53M and wrapped FLOW at 46.64M. Additionally, Flow has gone live on the multi-chain DEX @hitdex, expanding DeFi capabilities with non-custodial wallets.
Plus, Flow is live on @hitdex — a multi-chain DEX with non-custodial wallets via social platformshttps://t.co/lpRnhfa14I
— Token Relations 📊 (@Token_Relations) July 3, 2025
Flow coin price prediction July 2025
Per expert opinion, the Flow predictions for July 2025 suggest a minimum price of $0.3100, an average price of $0.3747, and a maximum price of $0.482.
FLOW price prediction
Minimum Price
Average Price
Maximum Price
FLOW price prediction July 2025
$0.3100
$0.3747
$0.482
Flow price prediction 2025
The price of Flow in 2025 is a minimum price of $0.2900, an average price of $0.4315, and a maximum price of $0.9203.
FLOW price prediction
Minimum Price
Average Price
Maximum Price
FLOW price prediction 2025
$0.2900
$0.4315
$0.9203
Flow coin price predictions 2026 – 2031
Year
Minimum Price ($)
Average Price ($)
Maximum Price ($)
2026
0.5085
0.7282
1.17
2027
0.89
1.05
1.25
2028
1.55
1.6
1.77
2029
2.2
2.28
2.69
2030
3.19
3.31
3.79
2031
4.59
4.76
5.54
Flow coin price prediction 2026
Flow’s price prediction indicators for 2026 indicate a potential peak of $1.17, a minimum price of $0.5085, and an average trading price of $0.7282.
Flow coin price prediction 2027
Flow network price predictions for 2027 suggest a prevailing bullish market sentiment. Investors can anticipate a maximum price of $1.25, a minimum price of $0.89, and an average market price of $1.05.
Flow coin price prediction 2028
Investors could see significant profit opportunities based on the 2028 Flow coin price prediction. Expert projections anticipate the asset’s price reaching a peak price of $1.77, maintaining an average price of $1.6, and a minimum price of $1.55.
Flow coin price prediction 2029
The Flow cryptocurrency price prediction for 2029 suggests a maximum trading price of $2.69, an average price of $2.28, and a minimum price of $2.2.
Flow price prediction 2030
The Flow price forecast suggests a notable appreciation in value in 2030, with a projected peak price of $3.79. Additionally, traders can expect an average FLOW price of $3.31 and a minimum price of $3.19.
Flow crypto price prediction 2031
The Flow prediction for 2031 suggests a maximum trading price of $5.54, an average price of $4.76, and a minimum price of $4.59.
Cryptopolitan’s FLOW forecast highlights a positive outlook over the coming years. For 2025, the coin is expected to range from $0.38 to $0.92. By 2028, the Flow price forecast suggests the coin could reach as high as $2 while maintaining an average price of $1.52. Looking forward to 2031, investors can expect FLOW to reach a maximum price of $5.2 and an average price of $4.30.
FLOW coin showed early potential in 2020, with prices ranging from $0.30 to $29.96 and closing the year at $9.75.
In 2021, the price peaked at $46.16 in March but declined to $8.8 by year-end. The volatility continued in 2022, fluctuating between $1.5 and $8.11, with a close at $2.71.
In 2023, the price ranged from $0.4372 to $1.27, closing at $0.8994.
The coin started in 2024 at $0.6538 and $1.69, experiencing highs and lows before stabilizing at $0.58 – $0.61 by August. In September, FLOW reached $0.6367; in October, it traded between $0.5073 and $0.5175.
In November 2024, Flow reached a peak price of $1.0242; in December, it reached a maximum price of $1.271 and closed the year at $0.697.
In January 2025, FLOW maintained a range of $0.599 – $0.851; in February, it peaked at $0.555; in March, it dipped, trading between $0.3739 and $0.3899. April and May showed some gains, with FLOW reaching as high as $0.4161 and $0.4765, respectively. Prices were flat in June, maintaining a trading range of $0.2915 and $0.3996.
In July 2025, FLOW is trading between $0.3939 and $0.4297.
Cardano (ADA) may be making another push to reclaim bullish momentum, but analysts and investors are shifting toward Mutuum Finance (MUTM) the rising DeFi coin. Phase 5 of the Mutuum Finance presale recently sold out quicker than anticipated. Over 14,500 investors have already participated, with Mutuum Finance raising more than $13.7 million to date.
The project has now entered Phase 6 of its presale at $0.035, a 16.67% increase from Phase 5. The upcoming Phase 7 will see another price jump of 14.29% to $0.04. Investors who buy in now can secure a 71.43% ROI when the token launches at $0.06. With ADA struggling to maintain its rally amid a competitive DeFi landscape, the spotlight now turns to whether Mutuum Finance can sustain its early traction and become the next breakout story in decentralized finance.
Cardano (ADA) Rebounds, Holding Mid‑$0.80s Support
Cardano is currently trading around $0.83, having rallied roughly 37% in July and retesting critical support near $0.78, which now appears to serve as a launchpad for sustained recovery. Technical indicators like EMAs and the formation of a golden cross are signaling bullish structure, with resistance in sight near $0.94 and upside potential toward $1.19 or even $1.31 if momentum holds.
However, a break below $0.78 could expose ADA to downside risks around $0.70 or lower. At a time when attention is often shifting to newer DeFi entrants, Cardano continues to command interest for its technical setup and ETF-driven speculation. However, investors are now looking elsewhere.
Mutuum Rolls Out Advanced Dual-Lending Platform
Mutuum Finance (MUTM) is a lending platform built for both passive and active DeFi users. Passive income can be generated from lending users’ USDT in stable passive income-generating smart contract pools. This lending is known as Peer-to-Contract (P2C) lending.
Other than that, a Peer-to-Peer (P2P) system allows lenders and borrowers to swap as much as they want because there is no intermediary. That is usually typical with users of volatile assets like meme coins.
Phase 6 Presale Begins as Mutuum Finance Gains Traction
Following the complete sell-out of its Phase 5 presale, Mutuum Finance has entered Phase 6 with tokens now priced at $0.035, reflecting a 16.17% rise from the previous round.
The next price milestone is set at $0.04, marking a further 14.29% increase. Early backers at this stage have the potential to secure a 71.43% return when MUTM launches at $0.06. To date, the presale has raised more than $13.7 million and attracted over 14,500 unique investors, underscoring the growing demand for the project.
Secured by CertiK, Reinforced with $50K Bug Bounty
Mutuum Finance (MUTM) will launch a stablecoin pegged to USD on the Ethereum blockchain. Apart from that, the project is audited by CertiK with a 95.0 trust score. Mutuum Finance has also put in place a $50,000 USDT Bug Bounty. It will reward on a four-level severity threshold: critical, major, minor and low.
$100,000 in MUTM Tokens Up for Grabs
Mutuum Finance has started a $100,000 giveaway that will give 10 winners a total of $10,000 MUTM in gratitude for the investor’s first time believing in the project.
Mutuum Finance is proving to be one of the fastest-rising DeFi opportunities, having already raised over $13.7 million from 14,500+ investors as its presale gains speed. Phase 6 tokens remain priced at $0.035, with a 14.29% increase locked for Phase 7 and a guaranteed 71.43% ROI at launch. Backed by a $100,000 giveaway, a $50,000 CertiK-audited bug bounty, and a rapidly expanding holder base, MUTM is cementing itself as a top contender for the next DeFi breakout. Get in before the next price hike hits.
For more information about Mutuum Finance (MUTM) visit the links below:
