Финансовый дневник

Tether Gold (XAUT) is a token that is pegged to real gold. Each coin is backed by one troy ounce of gold stored in a Swiss vault.

Essentially, it's like buying gold but in digital form. It can be traded 24/7, easily transferred, and even divided into smaller parts. A great way to diversify your portfolio without the hassle of physical metal.

The catch is that you get all the benefits of gold as a safe-haven asset, but with all the conveniences of cryptocurrency.

Filecoin (FIL) is a decentralized network for data storage, where users can rent out their free disk space and receive FIL in return.

How it works: Users pay miners for file storage. Miners must continuously prove to the network that they are indeed storing the data through special checks (Proof-of-Replication and Proof-of-Spacetime). If a miner makes a mistake and the data is lost, they are added to a list of "offenders" and a portion of their collateral (slash) is burned.

Project feature: To create an open market for data storage that is safer and often cheaper than traditional clouds like Google Drive, because the data is distributed across many computers.
$FIL

Momentum (MMT) — is a hub for DeFi on the Sui blockchain, where you can swap tokens and earn on liquidity.

The project is not a newcomer; it is a rebranding of MSafe, a well-known multi-signature wallet. Now it is a whole ecosystem: a DEX with Concentrated Liquidity (like in Uniswap V3) to make liquidity work more efficiently, and staking xSUI to keep your coins from idling.

What about the MMT token?

· Gained hype thanks to the listing on Binance and support from whales like Coinbase Ventures and Jump Crypto.
· Tokenomics is built on the ve(3,3) model: you lock MMT, receive veMMT and the right to influence the distribution of emissions in pools, as well as a share of trading fees. This incentivizes not to dump tokens.
· Note: starting from May 2026, inflation will kick in, so it is important to ensure that demand keeps up with new emissions.

So far, the project has confidently launched, but long-term success will depend on the growth of the entire Sui ecosystem and the team's ability to maintain interest.
$MMT

Internet Computer (ICP) — this is an ultra-ambitious project that aims to rebuild the internet into one huge decentralized computer.

Here's what you need to know in a nutshell:

· Essence: Replacement of traditional clouds like AWS with blockchain, where websites and applications operate directly, without servers. The goal is to dismantle the monopoly of IT giants and make Web3 a reality.
· Technologies: Uses its unique Chain Key Technology for insane speed and infinite scalability. Smart contracts ("cans") can serve the frontend themselves. There's a cool feature — "reverse gas," where the commission is paid by the developer, not the user.
· Token ICP: This is not just a coin. It is needed for staking and governance through DAO (NNS), for payment of computations and rewarding nodes.

The project is a tech monster with a strong team and backing from DFINITY Foundation. If they execute their vision, it could turn the entire industry upside down. But that's a very big "if".
$ICP

Bitcoin is the pioneer, a decentralized digital asset operating on blockchain technology. It was created by the anonymous developer Satoshi Nakamoto. The issuance is limited to 21 million coins, which protects against inflation.

The network is secure thanks to miners who verify transactions using powerful equipment. The price of Bitcoin is known for its high volatility.

The main idea is independence from banks and governments, allowing users to manage their finances independently through private keys.
$BTC

EVAA Protocol — is a decentralized platform for loans and lending (DeFi) that is tailored for the TON ecosystem and Telegram. The project easily integrates through a mini-application directly in Telegram, making it very convenient for the mass user.

Key features of EVAA:

· 🔥 Market leaders: EVAA positions itself as the leading credit protocol in the TON ecosystem.
· 📈 EVAA Token: The native token of the project is used for governance. There are only 50 million of them, creating a scarcity.
· 💧 Unique products: The project offers isolated lending pools for security and its own stablecoin AquaUSD.

The project attracted $2.5 million in investments from serious funds, indicating trust in it at the institutional level. However, be cautious: there are suspicions in the community about inflated audience numbers on social media, and the token price can be very volatile.
$EVAA

Plasma (XPL) — is a special blockchain for stablecoins, like USDT. Its main advantage is commission-free transfers, which sets it apart from many networks.

The XPL token revolves around everything: it serves as gas for complex operations, the basis for staking to earn passive income, and a tool for network governance.

The project started in the summer of 2025 and has already attracted strong investors, including Bitfinex and Peter Thiel's fund. If you believe that stablecoins are the future, then this project is definitely worth your attention.
$XPL

TRUMP — this is a pure meme coin on the Solana blockchain, designed for hype and support of Donald Trump. The coin has no utility value; it is a pure expression of loyalty and a speculative asset.

In a nutshell:

· 💎 Tokenomics: 1 billion coins were created. Of these, 80% (800 million) initially remained with Trump's own companies, which raised concerns for many.
· 🚀 Rise and fall: After launching in January 2025, the price soared to $75, but then it retraced (currently around $6.84). This is classic for meme coins — jump in early and lock in profits on time.
· 🤑 What's for fun: The project organized giveaways like dinner with the president for top holders, which fueled the excitement.

Conclusion: TRUMP — this is a risky but loud toy at the intersection of politics and crypto. If you believe in the power of his brand and are ready for high volatility — it might be worth a look, but always remember the golden rule: do not invest more than you are willing to lose.
$TRUMP

Hedera (HBAR) — this is not just another clone of Bitcoin, but a project built on its unique Hashgraph technology, not on blockchain.

Because of this, it addresses the main issues of older networks: transactions fly at speeds of up to 10,000 TPS, and fees are simply astronomical, less than a cent.

HBAR — this is the native token of the network. It is needed for paying fees, staking, and network security.

The project is not anarchic; it is managed by a Governing Council of 39 solid companies like Google and IBM. Many see this as centralization, but it provides stability and real partnerships.

Prospects: The project has a strong team and powerful partners. If you believe that the future belongs to agile and innovative technologies, then HBAR is your option. Just remember the golden rule: DYOR (Do Your Own Research) and do not fall for FOMO (fear of missing out).
$HBAR

PI is a cryptocurrency that can be mined directly from your phone without draining the battery and traffic. The project was launched in 2019 by two Stanford scientists.

💎 What's the essence of the project?

· 📱 Easy mining: Every day, you simply tap on the lightning bolt in the app — and you receive coins. No uptime or powerful hardware required.
· 👥 Social feature: Mining speed increases if you invite friends to your "safety circle". The more teammates, the higher the income.
· 🚀 Network opening: In February 2025, the project transitioned to the Open Mainnet phase — now coins can be withdrawn to external wallets and traded on some exchanges.

⚡️ Current status

Currently, the price of PI hovers around $0.3, and the main task for all pioneers is to complete KYC (identity verification) to unlock their coins for trading. Liquidity is currently weak, and many are trading IOU tokens (obligations before listing), so be prepared for high volatility.

Dash is a decentralized payment system that positions itself as a fast and convenient coin for everyday payments, rather than just digital gold.

⚡ Dash Features:

· ⚡️ Instant Transactions: The InstantSend technology guarantees instant confirmations (up to 2 seconds) and protection against double spending.
· 🕵️‍♂️ Optional Anonymity: The PrivateSend feature (formerly Dash was called Darkcoin) uses CoinJoin to mix coins, making it more difficult to trace payments.
· 👥 Decentralized Governance (DAO): The project is governed by the community through masternode owners. To run such a node, one needs to stake 1000 DASH, which grants the right to vote on the network's development.
$DASH

Jupiter (JUP) — is a leading liquidity aggregator on the Solana network that brings together tokens from various DEXs to give you the best price with minimal slippage and low fees.

The platform offers cool features: limit orders, DCA (dollar-cost averaging), and trading with leverage. Their native token JUP is used for governance — holders can vote on key decisions regarding the development of the protocol.

🔥 Jupiter is a powerful DeFi hub on Solana where you can safely and profitably swap almost anything.
$JUP

Humanity Protocol (H) — is an L2 blockchain that proves you are not a bot but a real person (Proof-of-Humanity) through palm scanning 🖐️. The whole point is that your personal data remains confidential, thanks to the cool zero-knowledge technology.

Token H is the engine of this ecosystem. It is used for verification payments, staked for governance, and rewards are earned. The project has already attracted the attention of giants like Animoca Brands and has gathered solid investments.

In short: this is your digital passport in Web3, protecting against sybil attacks and providing access to geeky features like private KYC and fair airdrops.
$H

Stellar (XLM) — this is not just another altcoin, but a real workhorse for fast and cheap international transfers. Essentially, it is a decentralized protocol that connects different payment systems, allowing the transfer of any money — be it dollars or bitcoins — faster and with minimal fees.

⚡️ What is its feature?

· Speed and price: Transactions fly in 3-5 seconds, and the fee is just a fraction of a cent.
· Bridge for assets: XLM is often used as an intermediary currency for conversions, making exchanges simpler and more profitable.
· For the people, not for banks: Unlike Ripple (XRP), which is tailored for large financial institutions, Stellar is focused on ordinary users and projects for asset tokenization.

In short: If you need to transfer money across borders without unnecessary headaches and giant fees — Stellar is an excellent option. This is a practical project with real use cases, not just an asset for speculation.
$XLM

USDe — this is not an ordinary stablecoin, but a "synthetic dollar" from the Ethena project. Its mechanics are pure delta-hedging magic: your deposits in ETH or BTC are used as collateral, while simultaneously opening shorts on futures. This creates a delta-neutral position that keeps the price at \$1 .

The feature of USDe is that it generates real returns. Income is generated from two main sources:

· 📈 Funding rates: The protocol earns on fees from short futures positions .
· 🛏️ Staking rewards: Part of the reserves is held in stETH, which brings additional interest .

If you want to passively collect this yield, you can stake USDe and receive sUSDe, a token whose value increases over time . At the time of writing this response, USDe is the third largest stablecoin in the market with a huge capitalization, surpassing DAI .
$USDE

Judging by this picture, the market peak will be this winter. $BTC