The post Best Crypto to Grab Under $0.05 This Summer? Investors Are Picking This One Over Shiba Inu (SHIB), Ripple (XRP) and Cardano (ADA) appeared first on Coinpedia Fintech News

While SHIB memes fade and ADA drifts below $0.85, one DeFi protocol is quietly building momentum—with real yield, audited contracts, and tokenomics that reward holders, not hype. In a market still hunting for substance over sentiment, Mutuum Finance (MUTM) is standing out as a clear frontrunner. With a presale price of just $0.035, Mutuum Finance (MUTM)’s fundamentals are winning over investors who are tired of waiting for utility to arrive in projects like XRP, SHIB, and ADA.

The DeFi sector is already watching as this under-$0.05 token races into the second half of 2025 with traction that few saw coming. Unlike high-supply meme coins or stalled Layer-1s, Mutuum Finance (MUTM) brings something many investors are now demanding—reliable yield, real borrowing activity, and an actual roadmap backed by revenue-generating products.

Why Shiba Inu (SHIB), Ripple (XRP) and Cardano (ADA) are Not a Priority Now

Shiba Inu (SHIB), Ripple (XRP), and Cardano (ADA) have faced challenges in maintaining strong market performance. SHIB, a meme coin, struggles with limited utility beyond community hype and token burning, which lacks sustainable demand compared to utility-driven coins. Its price volatility and reliance on speculative trading hinder long-term growth. 

XRP, despite Ripple’s institutional partnerships, faces regulatory uncertainty and competition from stablecoins, reducing its appeal for cross-border payments. Additionally, its centralized ledger limits adoption among decentralized finance enthusiasts. 

Cardano (ADA) contends with a slower development pace and high expectations for its academic approach, which has yet to translate into widespread adoption. Its market cap trails competitors like Ethereum and Solana, signaling weaker developer interest. Declining trading volumes and market conservatism further dampen momentum for all three, as investors await clearer catalysts or shift focus to newer altcoins with stronger fundamentals.

Mutuum Finance (MUTM)

What will make Mutuum Finance (MUTM) stand out is its dual lending engine, which will offer users two distinct ways to earn or borrow. First is the Peer-to-Contract (P2C) model, where users will deposit stablecoins or major blue-chip assets into smart contracts to earn yield generated from borrower interest. For example, a user who deposits $10,000 worth of BNB into a lending pool will start earning 12% APY(depending on pool utilization)—equivalent to $1,200 per year in fully passive income. 

This system will be powered by interest-accruing mtTokens, which will track the user’s position and grow in value over time. Lenders will also be able to use these mtTokens as collateral or stake them in smart contracts to earn additional MUTM rewards, distributed through open market buybacks fueled by protocol revenue.

Then there will be Peer-to-Peer (P2P) lending—designed for more risk-tolerant participants and built on an isolated pool structure. In this model, lenders will negotiate terms directly with borrowers who post higher-risk assets like meme coins. With this level of flexibility, Mutuum Finance (MUTM) will attract traders looking for faster, higher-yielding opportunities beyond the usual low-return blue-chip lending platforms.

Risk management across the protocol will be handled through overcollateralization and an algorithmically-adjusted Stability Factor, preventing liquidation spirals and maintaining systemic health. Borrowers will be able to repay loans at any time, unlocking stablecoin liquidity without having to sell their assets—a vital capability during periods of market uncertainty and volatility.

$0.035 Entry Won’t Last—The Smart Money Is Moving

While most top-20 coins are still flatlining in mid-2025, the presale for Mutuum Finance (MUTM) is speeding through Phase 6. The token is priced at $0.035, and 95% of the 170 million token allocation is still available in this round. With over $13.7 million already raised and 14,500+ holders already on-chain, the buzz is becoming hard to ignore. Once Phase 7 begins, the price will jump to $0.040—locking out buyers from sub-$0.04 territory. That’s a 15% increase overnight, and momentum shows no signs of slowing down.

Security-conscious investors are also leaning into the project’s strong audit credentials. Mutuum Finance (MUTM) scored a 95.00 in its full CertiK audit, with a Skynet rating of 78.00, backed by both manual code reviews and static analysis. A $50,000 bug bounty is also live via CertiK’s official system, covering all four severity tiers—providing further assurance to larger wallets entering during this phase.

And to sweeten the deal, Mutuum Finance (MUTM) is currently running a $100,000 giveaway, where 10 investors will each walk away with $10,000 worth of MUTM tokens. Winners will be selected from current holders, meaning presale participants are directly eligible as the campaign progresses.

One investor already capitalized on the opportunity early. After moving $5,000 out of XRP (then priced at $0.62) and into MUTM during Phase 1 at just $0.01, that same holding is now worth about $17,500—a gain of +250%. When the project hits its listing price of $0.06, that position will be worth $30,000. That’s a 6x return secured before the token has even gone live.

Phase 7 Incoming, $0.040 Around the Corner, Get In Now

While ADA lingers below $0.85 and meme coins continue to bleed relevance, smart capital is rotating into next-gen DeFi platforms offering real yield, strong utility, and a path to actual revenue. Mutuum Finance (MUTM) is that platform. Its P2C and P2P models are reshaping what’s possible in crypto lending, and mtToken mechanics ensure users earn on every dollar put to work. When combined with a high-grade CertiK audit, governance-based token utility, Layer-2 integration, and upcoming beta platform launch, Mutuum Finance (MUTM) is rapidly transforming from presale gem to serious DeFi contender.

Phase 7 is about to go live, raising the price to $0.040. Anyone still holding out below the $0.05 mark is running out of time. Mutuum Finance (MUTM) is not waiting for retail to catch on—its community is growing fast, its security is verified, and its launch economics are set. Grab this under-$0.05 DeFi rocket before it vanishes.

For more information about Mutuum Finance (MUTM) visit the links below:

• Website: https://mutuum.com/
• Linktree: https://linktr.ee/mutuumfinance

The post Is Galaxy Digital Selling Again? On-Chain Signals Hint at a Bitcoin Turning Point appeared first on Coinpedia Fintech News

Bitcoin is holding steady around $118,000, showing resilience despite growing market concerns. But a series of large transfers by Galaxy Digital have sparked fresh concerns. Could a sell-off be coming? 

Let’s dive in. 

Galaxy Digital Moves $447M in Bitcoin, Community on Edge 

In a latest development, on-chain data shows that Galaxy Digital has moved 3,782 Bitcoins worth $447 million to several wallets in the past 12 hours. The bulk of these transfers were to major crypto exchanges, which have sparked fears in the crypto community. Is Galaxy Digital all set to facilitate another round of Bitcoin selling?

One of the transactions involved 450 BTC in a single move. Galaxy hasn’t released an official comment yet, but the size and timing of the transfers have sparked fresh speculation about a potential sale.

Bitcoin Price Remains Stable, For Now

Despite the noise, Bitcoin hasn’t moved much. It’s currently trading at $118,217, down just 0.4% in the past 24 hours. This is a sharp contrast to last week, when Galaxy moved $9 billion worth of BTC from a dormant wallet dating back to the Satoshi era, pushing prices briefly down to $116,000.

The fact that Bitcoin held its ground this time shows more stability in the market, but investors remain cautious.

Long-Term Holders Begin Taking Profits Near $120K

A Cryptoquant analyst points out that long-term Bitcoin holders (LTHs) have turned net negative right as BTC approaches the key $120,000 resistance, which is a strong psychological level. This shift suggests some seasoned investors may be locking in profits after holding through multiple market cycles.

While Bitcoin’s overall selling is not a big concern yet, Galaxy Digital’s huge sale of 80,000 BTC stands out. The analyst notes that this is a clear example of institutional-level profit-taking. Will other large holders follow Galaxy’s lead? Or is it simply a strategic decision to cash in after Bitcoin’s strong rally? 

Whatever the case is, these actions could significantly shape Bitcoin’s direction in the coming weeks.

Bitcoin Top Could Be Weeks Away

On-chain data shows Bitcoin might be near a cycle top. The MVRV 365DMA is showing a pattern like 2021, just before the last big drop. If the pattern repeats, the peak could come in late August or early September. This also lines up with market expectations around Fed policy and macro shifts.

Analysts note that Bitcoin has once again closed the CME futures gap on Monday, marking the sixth week in a row. Crypto analyst Ali suggests that Bitcoin’s next major peak could hit $149,679. 

The next few days and weeks could be critical. Bitcoin’s next move could depend on how other major players respond.

The post ETF News Today: SEC Extends Deadline of Truth Social Bitcoin ETF to September 18 appeared first on Coinpedia Fintech News

The US Securities and Exchange Commission (SEC) released a notice on Monday, announcing that it has delayed decisions on Truth Social Bitcoin ETFs and Grayscale’s Solana Trust. It has extended the review deadline to September 18. 

SEC Delays Decision on Truth Social Bitcoin ETF

The Truth Social ETF, backed by the Trump Media and Technology Group, seeks SEC approval to be listed on the NYSE Arca Exchange. The fund application was submitted on June 3 and is still in the early stages. 

Originally, the decision-making on Truth Social Bitcoin exchange-traded fund (ETF) was set to release on August 4. However, the SEC delayed the review period by 45 days. The agency said that the extended period will allow them to review the proposal and consider public comments. 

The SEC wrote in the notice, “The Commission finds it appropriate to designate a longer period within which to take action on the proposed rule change so that it has sufficient time to consider the proposed rule change and the issues raised therein.” 

Crypto Ties and Political Concerns Jumble 

President Trump has doubled his wealth in a year with his crypto ties. If the SEC approves the Truth Social ETF, it will become the first crypto-related fund tied to a US president. Many democrats have voiced their concerns. Some crypto experts even said that Trump’s ties with cryptocurrency could cause a conflict of interest. 

Senator Jeff Merkley said, “Allowing Trump to create a Bitcoin ETF is opening the door to abuse of power. He can influence the regulation and then profit from it.”

SEC approved spot Bitcoin ETFs earlier this year, but now it is delaying the decision for the Truth Social ETF. This reflects its hesitation about broader challenges in the crypto regulatory space. 

Additionally, Grayscale’s proposed conversion of its Solana Trust into an ETF is now pushed to October 10 for SEC approval. 

The post BitMine Launches $1B Stock Buyback to Support ETH Growth appeared first on Coinpedia Fintech News

BitMine (BMNR) announced a stock buyback plan worth up to $1 billion to strengthen shareholder value and support its long-term Ethereum accumulation. The company currently holds 625,000 ETH, 192 BTC, and $401 million in cash. BitMine’s chairman emphasized that the buyback aligns with their strategy to grow Ethereum holdings while optimizing capital structure. This move reinforces their commitment to digital asset growth and investor confidence in the evolving crypto market.

The post RAKBANK Becomes First UAE Bank to Launch Retail Crypto Trading: Details appeared first on Coinpedia Fintech News

This is a bold move and one to watch! 

RAKBANK has become the first traditional bank in the country to offer crypto trading through its mobile banking app.

The new service lets customers buy, sell, and swap cryptocurrencies directly in AED with no need to convert to foreign currencies or use third-party exchanges. It’s powered by Bitpanda, a Europe-based crypto platform regulated in Dubai under VARA.

Your Bank is Now Your Crypto Exchange

Until now, most UAE users had to move funds to global platforms like Binance or Coinbase to trade. That process usually involved converting from dirhams to dollars, paying extra fees, and dealing with platforms outside the country’s regulatory scope.

With RAKBANK’s new feature, that entire process is cut out. Users can now access crypto markets directly from their savings or current accounts, with trades executed and settled in dirhams.

“We believe [customers] deserve a more efficient and seamless crypto buying, selling and swapping journey that is fully regulated and entirely in AED,” said Raheel Ahmed, RAKBANK Group CEO

Bitpanda Adds Credibility and Compliance

The service is being rolled out in partnership with Bitpanda Broker MENA DMCC, a VARA-regulated entity in Dubai. Bitpanda already works with major European institutions like Deutsche Bank and Raiffeisen Bank and is regulated in Austria and Germany.

Calling the partnership a “big moment for digital assets in the region,” Bitpanda’s deputy CEO Lukas Enzersdorfer-Konrad highlighted the opportunity to bring simple, safe crypto access to mainstream users in the UAE.

For now, the service is available by invitation only, with a full rollout expected in the coming months. Supported assets at launch include Bitcoin, Ethereum, Solana, and Ripple (XRP), with more to be added soon.

UAE’s Crypto Momentum Keeps Building

RAKBANK’s crypto launch fits into the UAE’s wider push to become a global crypto hub. Over 600 crypto firms are already operating in Dubai’s DMCC free zone. The country has also been quick to approve innovations like Ripple’s RLUSD stablecoin.

By being the first bank in the region to offer direct, regulated retail access to crypto, RAKBANK may have just set a new standard and likely started a trend that other banks in the region won’t want to miss.

The post Grab Introduces Crypto Payments in Philippines appeared first on Coinpedia Fintech News

Grab, Southeast Asia’s largest ride-sharing app, has introduced a new feature allowing Filipino users to top up their GrabPay wallets with cryptocurrencies like Bitcoin, Ethereum, USDC, and USDT. After launching the service in Singapore in 2024, Grab partnered with payment provider Triple-A and local exchange PDAX to bring this to the Philippines, a nation of 112 million. This move promotes financial inclusion by offering more flexible, digital-first payment options to users across the country

The post Cardano Price Prediction August 2025: Will ADA Price Hit $1.50 appeared first on Coinpedia Fintech News

Cardano (ADA) Price is gaining serious momentum in the crypto market, posting a 103.7% gain over the past year and 49% in the last 30 days alone. As ADA continues its bullish climb, crypto analyst Paul Barron believes the token could reach $1.50 in August 2025, and possibly $3 by year-end, driven by key fundamentals like the Chang Hard Fork, Hydra scaling progress, and rising DeFi activity.

ADA Price Analysis 

Despite a rocky first half, Cardano’s trend flipped bullish in Q3 2025. Here’s a quick snapshot of its price journey:

• Q1 2025: Gains in January (+11.6%) and March (+4.37%) were wiped out by a sharp 32.7% drop in February, leading to a -21.7% quarterly return.
• Q2 2025: April (+3.17%) and May (+0.62%) couldn’t offset June’s 16.6% drop, ending the quarter at -13.5%.
• H1 2025 Total: ADA fell 32.24% from January to June.

But since July 1, Cardano has surged.

• Starting Price (July 1): $0.5420
• Peak Price (July 21): $0.9375
• Current Price (July 28): $0.8291
• July Growth: 53.10%

Even after a small 10.71% correction in late July, ADA is holding strong.

In a recent X post, Paul Barron highlighted a bullish engulfing pattern on the ADA chart. This signals strong buying pressure, often marking the start of an upward breakout. ADA is also breaking key resistance levels, increasing the odds of a continued price rise.

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• Also Read :
•   Why Is Crypto Market Going Up Today? BNB Hits New ATH, XRP and ETH Surge
•   ,

Why Cardano Is Rallying in 2025

1. Chang Hard Fork (Q3 2025)

Cardano is launching a game-changing Chang Hard Fork, introducing full on-chain governance. This lets ADA holders vote directly on network upgrades, proposals, and changes—making Cardano one of the most decentralized blockchains in the market.

2. Cardano TVL Tops $412 Million

Cardano’s Total Value Locked (TVL) has risen from $343 million to $412 million, ranking 23rd but climbing fast. This reflects increased adoption of Cardano’s DeFi ecosystem, drawing more users and liquidity to the network.

3. Hydra Layer-2 Scaling Solution

Hydra is Cardano’s Layer-2 protocol designed to boost transaction speed and reduce gas costs. Progress on Hydra is pushing confidence among developers and institutions, enhancing Cardano’s future as a scalable blockchain.

Cardano (ADA) Price Prediction for 2025

• Short-Term Target (August 2025): $1.50
• Year-End Target (December 2025): $3.00

Barron’s prediction hinges on continued bullish momentum and successful deployment of upcoming upgrades. If these trends hold, ADA could double from its current level in the coming months.

Is This the Start of a Cardano Bull Run?

With the Chang Hard Fork, rising TVL, and Hydra scaling, Cardano is shaping up to be one of the top altcoins to watch in 2025. The strong July rally and bullish chart patterns suggest ADA is no longer lagging behind major altcoins.

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The post Top 3 Altcoins, Which Will Rally This Week  appeared first on Coinpedia Fintech News

The crypto market today is sailing a fresh wave of bullish sentiment. Since yesterday, the total market cap of the business rose by 1.54% to $3.95 trillion. The spike was backed by a sharp 34.36% increase in trading volume, now at $161.21 billion. This surge follows a combination of regulatory clarity, after Trump’s GENIUS Act. And major institutional inflows into Ethereum ETFs, which drew $1.85 billion compared to Bitcoin’s modest $72 million.

Despite the growing optimism, it’s not quite altcoin season yet, the Altcoin Season Index sits at 42/100. However, with triggers like the FOMC meeting scheduled from July 29–30, and SEC’s ruling on Bitwise ETF on July 31 ahead, eyes are on which altcoin could break out next.

Wondering which altcoins to bag for high returns this week? Sui, Litecoin, and Solana are the top contenders to lead the rally this week.

Sui (SUI):

This token has been one of the decent performers in recent times, climbing to $4.22 with 5.8% in the past week. Its market cap is now at $14.6 billion, supported by a daily trading volume of $2.58 billion, which surged nearly 18%.

What’s impressive is the breakout from a descending broadening wedge pattern. This technical shift aligns with Sui’s DeFi ecosystem posting $10.3 billion in July DEX volumes, marking a staggering 657% year-over-year increase. Adding fuel to the fire, a fresh ETF proposal from Canary Capital under SEC review has revived optimism among speculative investors.

Technically, SUI is fighting against the resistance zone near $4.75. A confirmed breakout above that level could send Sui price zooming toward its all-time high of $5.517. Contrarily, a sell-off cascade could drag the price down to $3.50. RSI currently hovers around 64.73, just under the overbought threshold, indicating room for further upside.

Litecoin (LTC):

Currently trading at $114.12, Litecoin has recovered modestly after a 3.5% dip earlier in the week. It rose 1.44% in the last 24 hours, bringing its market cap to $8.72 billion, with a strong 30.9% boost in daily trading volume, now sitting at $650.5 million.

Litecoin is quietly gearing up for a comeback. Technically, it’s bouncing from the $105 support level, and the MACD has flipped bullish. Bollinger Bands have begun to expand again, pointing to increasing volatility and a potential breakout above the $124 resistance zone to reclaim its hold at $131.18. On the downside, LTC has its support at $103.80.

Institutionally, Litecoin gained attention after MEI Pharma allocated $100 million into LTC for its crypto treasury. Combine that with ETF optimism and 90% approval odds for altcoin funds, and Litecoin’s revival could be closer than many expect.

Solana (SOL):

Solana price has risen to $191.79, up 3.13% on the day. It now boasts a market cap of $103.66 billion, with an 82.4% explosion in trading volume, reaching $6.4 billion. SOL recently reclaimed its $190 support level. This upward momentum follows a wave of institutional inflows that amounts to $311 million in just a week. 

From a technical standpoint, Solana’s structure is bullish: it retested the breakout zone and formed a higher low, which is a classic signal of continued upward movement. The RSI at 63.69 remains in bullish territory. Talking about targets, the upside for SOL is at $209.18, while the support is at $182.57.

On the fundamental side, ecosystem activity is surging thanks to meme coin buzz, growing NFT utility, and the anticipated Alpenglow protocol upgrade, all of which are driving both fees and engagement higher.

FAQs

The post India Collects ₹437 Crore in Crypto Taxes, Thanks to AI appeared first on Coinpedia Fintech News

India’s Income Tax Department is now using artificial intelligence (AI) and data tools to catch people trying to avoid paying taxes on cryptocurrencies. In a recent update to the Parliament, the government revealed that it has collected ₹437 crore in crypto taxes by using AI.

In an interview with Economic Times, Ravi Agrawal, Chairman of the Central Board of Direct Taxes, said that India is using new technologies like machine learning and digital forensics to track suspicious crypto transactions more effectively.

India Tax Authorities Use AI to Detect Tax Evasion

The government admitted that tax authorities are using AI to match deducted at source (TDS) data submitted by crypto exchanges. It shows that India is strengthening its tax compliance measures, and as per the latest reports, the government received a total of Rs 437 crore as taxes on VDA-related income in the financial year 2022-2023 alone. 

Additionally, the government has also launched the Crypto-Asset Reporting Framework (CARF) to ensure automated sharing of tax-related information. 

“The goal is to place crypto transactions under international tax agreements so there is alignment among the nations,” Saravanan Pandian, CEO and founder of KoinBX, said in an interview with Decrypt. 

With recent crypto regulations development in India, it is clear that the government is emphasizing transparency and accountability in the digital asset space. CA Sonu Jain, chief risk and compliance officer at 9Point Capital, also confirmed the fact that India is intensifying its measures to enhance transparency with new tools and technology. 

He said, “India is preparing for a future where wallet visibility and automatic data exchange become routine in an industry long plagued by anonymity.” 

Final Thought

In 2025, the Indian government has taken several steps to develop its digital asset space; it has evolved— tax, transparency, consumer protection, asset reporting, and cross-border trading. Now, with the confirmation of AI utility in the tax department, the nation demonstrates its enhanced measures of traceability to curb crypto tax evasion. 

The post Ethereum Price Prediction 2025, 2026 – 2030: Can ETH Reach $10k? appeared first on Coinpedia Fintech News

Ethereum Price Today

Ethereum Price Prediction August 2025

Ethereum, with a spike of 1.78%, is changing hands at $3,878.23. This has come amid a short-term exhaustion as the RSI hit an overbought region of 81.82, and also because the price extended well above the upper Bollinger Band. If the momentum resumes, ETH may test the $4,500 mark. Caution is advised, as profit-taking could trigger a brief pullback to $3,400.

Ethereum Price Prediction 2025

Ethereum price has been trading in a symmetric triangle pattern since early 2021, a breakout could lead to the ETH coin price smashing the $5k mark and hitting a new all-time high of $6,925. Conversely, rising uncertainty or any unfavorable global economic events could pull the ETH price toward its annual low of $2,917. That being said, it could average out at around $3,392.

Ethereum Price Targets 2026 – 2030

ETH Price Prediction 2026

By 2026, the value of Ethereum is expected to reach a high of $6,610. On the other hand, the Ethereum price might drop to $5,566, with an average of $5,713.

Ethereum Price Forecast 2027

The Ethereum 2027 forecast expects the ETH coin price to make a new all-time high at $8,705. However, a correction based on market shortcomings may drive the ETH crypto to $6,800, with an average of $7,246.

ETH Price Prediction 2028

In 2028, the chances of Ethereum dominating the crypto market rise as the ETH price potentially makes a new high at $10,410. On the other hand, the altcoin might fall to $8,613, making an average of $9,482.

Ethereum Forecast 2029

Approaching its all-time high of $12,994 in 2029, the Ethereum price is expected to surpass the psychological barrier of $12,000. In case of a correction, $ETH may reach a low of $10,192, with an average price of $11,111.

Ethereum Price Prediction 2030

As per our Ethereum Price Prediction 2030, the ETH crypto price is projected to reach a new all-time high of $15,575 in 2030, with a potential low of $12,647 and an average price of $14,163.

Ether Price Prediction 2031, 2032, 2033, 2040, 2050

Based on the historic market sentiments and trend analysis of the largest altcoin by market capitalization, here are the possible Ethereum price targets for the longer time frames.

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} else if (value >= 0.001) { // 0.001 to 0.00999 (6 decimal places)
return value.toFixed(6);
} else if (value >= 0.0001) { // 0.0001 to 0.000999 (6 decimal places)
return value.toFixed(6);
} else if (value >= 0.00001) { // 0.00001 to 0.0000999 (8 decimal places)
return value.toFixed(8);
} else if (value >= 0.000001) { // 0.000001 to 0.00000999 (9 decimal places)
return value.toFixed(9);
} else if (value >= 0.0000001) { // 0.0000001 to 0.000000999 (10 decimal places)
return value.toFixed(10);
} else if (value >= 0.00000001) { // 0.00000001 to 0.0000000999 (11 decimal places)
return value.toFixed(11);
} else if (value >= 0.000000001) { // 0.000000001 to 0.00000000999 (12 decimal places)
return value.toFixed(12);
} else if (value >= 0.0000000001) { // 0.0000000001 to 0.000000000999 (12 decimal places)
return value.toFixed(12);
} else { // Less than 0.0000000001 (13 decimal places)
return value.toFixed(13);
}
}

});

CoinPedia’s Ethereum Price Prediction

With factors like the growing Ethereum network, rising inflows, broader market recovery, and increased adoption, the ETH price will likely give multi-fold returns in 2025.

As per CoinPedia’s Ethereum price prediction 2025, the Bulls can hit $6,925 in 2025. Conversely, a rise in FUD amongst investors and a lack of updates could curb the value of 1 ETH at $2,917.

Market Analysis

*The Ethereum forecast mentioned above is the average targets set by the respective firms.

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