There are many speculative crypto assets, including meme coins and others. But there are also a few coins that have some amazing underlying fundamentals. These are typically the coins that will become huge in the future and drive much of the growth and innovation we will see in cryptocurrency. Here are also some reasons why it’s also the best time to buy right now.

• First, cryptocurrencies have seen a market-wide correction in the last month, and most assets are trading low.

• It is likely that 2022 will start with a bull run in most crypto assets.

• If you don’t act now, you will get priced out very fast

Well, while there are a lot of coins right now to buy and hold for at least a year, the two below are our top picks.

Ethereum (ETH)

Ethereum (ETH) is the second-largest crypto by market cap, just after Bitcoin. But Ethereum is much more than a cryptocurrency. The blockchain is providing support for a huge variety of innovative blockchain projects, including DeFi and DApps. 

Data Source: Tradingview.com

In fact, it is estimated that at least 90% of all top blockchain projects are built on Ethereum. Also, the blockchain is expected to shift towards a proof-of-stake consensus model as opposed to the expensive proof-of-work. This will trigger extensive developer activity. Ethereum (ETH) is trading at $3,950.25, way lower from its highs of around $4600.

Terra (LUNA)

Terra (LUNA) is a stablecoin network designed to promote the growth of price-stable global payment systems. It launched in 2019 and has since grown massively to become one of the top 10 cryptos by market cap. 

Terra is expected to see heated growth in the future as applications for Stablecoins become more expansive. At press time, its native token LUNA, which also happens to be a stablecoin, was trading at $91.73.

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The crypto market, in general, has in recent years seen exponential growth. It’s therefore easy to think that there aren’t many coins that have enough upside for growth for you as an investor to take advantage of. But that’s not true. There are some coins that appear to be flying under the radar and as such, they are criminally undervalued. Here are some points:

• Typically, coins with low market caps still have some room to grow.

• They can be relatively new blockchain projects or older ones with a new twist.

• Despite the low market cap, the coins should also have long-term intrinsic value as well.

So, if you are keen on finding the next crypto bargain, here are some incredible coins trading for less than USD 500 million in market cap:

Ultra (UOS)

Ultra (UOS) is an entertainment platform that provides a decentralised platform for people to publish and sell their entertainment. It could be music, videos, games, or anything else. It is actually the first such platform on the blockchain, and funny enough, Ultra has been under the radar for quite some time. 

Data Source: Tradingview.com

But this won’t last long. In fact, at the time of writing, the 24-hour trading volume had spiked by nearly 30%. The coin is trading at a market cap of $440 million with a price of $1.58 per coin.

EverRise (RISE)

EverRise (RISE) is a blockchain project designed to bring greater security in decentralised finance. The project is also looking to build an innovative system of DApps to accelerate access to DeFi around the world. 

It is a very promising initiative but remains significantly undervalued. At press time, the coin was trading at a market cap of around $55 million. The price per coin at the time was $0.0009016.

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With the volatility often associated with cryptocurrencies, it’s easy to assume that they are only speculative assets designed for short-term investing. But you’d be wrong. For instance, even though a coin like Bitcoin has seen wild swings in prices in recent months, it’s still up over 100% year to date. So, crypto is a decent asset class for long-term value investing, and here is why.

• First, most established coins are backed by decent underlying fundamentals that have real economic value.

• The history of crypto shows steady and consistent gains over time. This won’t change even in the future.

• The trick is to buy into an asset early before you are priced out

If you are thinking of adding crypto as part of your long-term investment portfolio, here are two coins that must consider very seriously:

Solana (SOL)

Solana (SOL) is a proof of stake public blockchain designed to power decentralised services and applications. Think of it as Windows for PCs or Android for mobile but instead of powering phones and computers, it is the ecosystem that will power the future of decentralisation. 

Data Source: Tradingview.com 

Solana (SOL) is highly rated and is often seen as the most direct competitor for Ethereum. It’s also faster, more efficient, and cheaper. But unlike Ethereum, it is still undervalued. At press time. Solana (SOL) was valued at $178 with a market cap of $55 billion. There is still a lot of potential for more growth in the long term.

UniSwap (UNI)

UniSwap (UNI) is the largest decentralised exchange in the world or DEX. The DEX is built on the Ethereum network, and it allows peer-to-peer crypto trading. 

Decentralised exchanges are expected to become huge in the future as investors look for more autonomy in trading. UniSwap will lead the way. At the time of writing, the coin was trading at $16.81 with a market cap of around $10 billion.

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These DeFi cryptocurrencies have the potential to give good returns in 2022

DeFi or decentralised finance coins are now a household feature in the crypto market. Their importance in the financial world can now not be ignored. DeFi platforms provide a space for borrowing, saving, lending and trading without the traditional bureaucracies of the financial markets. This popularity is making them a good option for investing. Since there are many such projects, it might be hard for you to decide the best that you can invest in. Here are some of the top ten best DeFi coins that you should consider.

Solana

Solana (SOL) is leading the pack thanks to its consensus mechanism. This coin utilises a proof of history mechanism to verify transactions. This mechanism has replaced mining and staking common in many projects. Instead, transactions on Solana are proven true by following a timestamp of previous transactions on the blockchain. This consensus mechanism allows faster transaction times. The coin is also a layer-1 platform since it does not require assistance from other platforms to enable transactions. These features make it a valuable and promising coin that you can expect to grow soon.

Avalanche

Avalanche or Avax is a top contender in the top ten best DeFi you can invest in. The coin is in direct competition with Ethereum because of cheaper transaction costs and faster transactions. Currently, the coin claims to be the fastest smart contracts platform in the crypto and blockchain industry. Avax recently raised $230 million to support its projects and has had some meaningful connections with other blockchain projects, including Graph, Chainlink and SushiSwap. With the progression, this coin is taking and the interest it is garnering in this space, it is bound to be a top contender to invest and watch in 2022.

Fantom

Fantom is another coin that you should consider adding to your investment portfolio. Fantom presents attractive features that are set to make it a big deal in the blockchain industry. It is secure, enables breakneck transaction speeds, it is open-source, permissionless and decentralised. The coin has a high market capitalisation sitting at more than $3 billion and has recently recorded a high trading volume. This trend will continue into 2022 as the coin’s popularity grows in the crypto industry. It is a viable coin to invest in, in 2022 and expect good rewards.

Harmony

Launched in 2019, Harmony developers intended the coin to bridge scalability and decentralisation. It focuses on creating viable markets for intangibles and fungible tokens and sharing data. This project has had several significant partnerships and has raised about $300 million to develop its ecosystem. This fund has pushed up the value of this coin and attracted more users. The project’s primary focus is on improving scalability between networks, making it a popular platform and an investment option. Projections indicate that the coin’s price will increase in the next few months.

Waves

Wave is a unique coin operating a three in one ecosystem. It works as a decentralised exchange, a platform for launching tokens and a digital asset. It aims to encourage the mass adoption of digital coins and enhance flexibility in the industry. The platform allows developing and deploying smart contracts. It also makes it easy for users to create tokens without having any programming knowledge. With such features, the project is set to attract a lot of users that will give it more value. It is a viable coin to watch and invest in in coming 2022.

THORChain

Another top ten best DeFi is THORChain. Built using the Cosmos SDK and powered using Tendermint consensus mechanism, this protocol ensures that data for all transactions are untraceable. This feature has made it particularly popular with a lot of users and investors. THORChain is also fungible, meaning that owners can govern their currency without the need of a third party and at no cost. Its trading data shows that this token has a relatively high trading volume and a market cap exceeding $1.8 billion. With its popularity and quick adoption, THORChain is bound to grow in 2022, making it a good coin to invest in.

Kadena

Kadena is not a very popular coin, but it is making waves in the cryptocurrency industry. In the last 10 months, this coin has grown by an impressive 11256%. In about three months, the coin has recorded some big leaps rising from $2 to $27. Kadena, like most smart contracts platforms, is focusing on faster transaction speeds at a lower cost. It can currently handle about 480,000 transactions per second as compared to Ethereum’s 20. This feature is attracting new users to the platform and pushing its price up. You should consider investing in it if it will keep up with its growth pattern. 

Curve

Curve is an interesting coin in the DeFi sector. The curve Finance project is currently the biggest decentralised exchange on Ethereum. Curve or Curve DAO is the governance token of the Curve Finance platform. The platform has two major use cases, including swapping cryptocurrencies and staking. It also has very low fees and some of the smallest price variations between stablecoins. Curve token is, thus, increasing in value as its platform continues attracting new users.

Oasis Network

The Oasis Network is a project working to rise through the ranks of the DeFi space. The platform is a layer-1 privacy blockchain that makes use of a proof-of-stake consensus mechanism. Unlike Ethereum, where transactions are publicly accessible, on the Oasis Network, users can enjoy confidentiality. Its technological design is also quite impressive as it is a hybrid of Polkadot and Ethereum. Investors are also considering its transaction speeds of more than 1000 transactions per second. The token is bound to grow in value as it attracts more users making it a worthwhile investment.

Polkadot

Polkadot is an interesting project. It is a platform that allows independent blockchains to transfer information and transactions between one another using the Polkadot relay chain. This ability significantly increases the speed of transactions on this blockchain and is more scalable as compared to Ethereum. Providing such a platform enabling easy development of DeFi projects makes this a popular coin and a good investment option.

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Stablecoins are digital assets whose value is based or derived from the value of another underlying asset, mostly another cryptocurrency, fiat currency, or commodity like gold. These coins are used to hedge against market volatility. In recent months, market-wide volatility in the crypto space has been huge, and as such, the growth of Stablecoins has surged. Here are some highlights:

• In 2021 for example, the Stablecoin market was up by nearly 450% to hit a valuation of $150 Billion.

• Last month, US Treasury Secretary Janel Yellen admitted that Stablecoins have the potential to support payment systems

• These coins are expected to keep growing in 2022, with triple-digit growth already in the cards

But what if you are not interested in large-cap Stablecoins like Tether or Binance USD? Well, here are some low cap coins that could explode in value next year: Here they are:

PAX Dollar (USDP)

Pax Dollar (USDP) is a flat collateralised Stablecoin that was founded in 2018. The coin is hoping to use blockchain to help stabilise the US dollar against other fiat currencies. Stablecoin is also planning to develop an advanced ecosystem that would make it easier for people to mobilise digital assets in a more efficient manner. 

Data Source: Tradingview.com 

At the time of writing this post, USDP was trading at $0.9993. The stablecoin also had a market cap of slightly below $1 billion. There is still room for the coin to grow even further next year.

TerraKRW (KRT)

For investors looking for Stablecoins with a significantly low market cap, then TerraKRW (KRT) is a good place to start. Terra basically offers investors a network of “price-stable” crypto assets that are pegged to the leading fiat currencies in the world. The coin at the time of writing was trading at $0.0008537. Besides, with a market cap of around $36 million, there is still a lot of value to be unlocked here.

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