Analysts call altcoin top crypto buy with 900% upside as BTC, SOL stall

As Bitcoin (BTC) and Solana (SOL) show signs of stalling, the crypto market is witnessing a rotation toward projects with clear on-chain revenue models and utility-driven demand.

Analysts are highlighting altcoins that can generate repeatable token demand rather than relying on speculative hype.

One token that has emerged as the top buy this cycle is Mutuum Finance (MUTM), praised for its combination of lending, borrowing, and staking mechanisms, alongside a structured roadmap designed to scale value efficiently.

Investors looking for the next high-upside opportunity are being urged to consider MUTM as BTC and SOL consolidate near current levels.

Mutuum Finance (MUTM) is currently in Phase 6 at $0.035, with approximately $16.73 million raised in this phase. Roughly 55% of the 170M token allocation has already been sold, and the project has over 16,750 holders, with a total supply of 4 billion MUTM.

The team recently announced the development of its lending and borrowing protocol, a key foundation for future platform activity. The next phase is expected to raise the price to $0.040, a 15% step, signaling that early participants have a limited window to secure MUTM at a discounted presale price.

BTC

The price of Bitcoin has stopped rising around the $108,000–$118,000 area, and new factors aren’t helping to keep the pace going. Its progress is being slowed down by rising ETF inflows and miner sell-pressure, which make bullish confidence weaken.

Large-scale uncertainty, especially the impending US government shutdown, is making people even less willing to buy, which has put markets in a “risk-off” state and taken the confidence out of momentum trades.

Technical analysis backs up the congestion: Bitcoin (BTC) has stayed in a range near $114,000, failing to break decisively higher despite several efforts.

Bitcoin could stay in this area until something new happens, like institutional inflows, more information about rate cuts, or a governmental breakthrough. If support levels fail, there is a chance that the price will go down.

SOL

Solana (SOL) is showing clear signs of stalling after its recent rally, with its recovery attempts running into resistance between $215 and $220.  

While bulls managed to push SOL above $200–$202, momentum has cooled and the upside remains capped unless volume surges. The technical structure suggests the $215 zone is acting as a ceiling — failure to break and sustain above it may lead to a pullback toward support levels in the $200–$204 range.

On-chain data also shows that despite recent institutional accumulation, SOL must clear this resistance to confirm further upside. In short: SOL’s advance is stalling at key levels, and unless bulls overpower the resistance band, the next move could be sideways or down.

The 900% upside thesis

With a dual lending structure, Mutuum Finance (MUTM) will run. A lot of stablecoins and “blue chip” assets will be handled by peer-to-contract (P2C) pools, which will separate risk and keep liquidity stable.

Tokens with bigger risks will be able to trade on peer-to-peer (P2P) markets, which will give traders more options without affecting core liquidity. With this split, the protocol can find a balance between safe deposits and riskier yield schemes, allowing for growth on a large scale without putting the whole system at risk.

Price increases of about 900%, from $0.035 to about $0.35, are possible thanks to three processes that work together to support the road ahead.

First, building up reserve factors will create an on-chain insurance and treasury. This will protect the value of the system over time and boost investor trust. The utilization-driven interest rate plan will change the cost of borrowing money based on how much of the pool is being used.

More deposits will be made when utilization goes up, which will quickly increase total value locked (TVL) and help generate more fees.

Third, the buyback and staking distribution system will use some of the platform’s income to buy MUTM on the open market and give prizes to stakers.

This will create rising demand that will only get stronger as fees go up. As more people join, TVL will go up even more, and the desire for revenue-driven tokens will grow. This will make sure that price discovery keeps up with the growing activity.

Security and incentives

Mutuum Finance (MUTM) has undergone a CertiK audit, achieving a Token Scan score of 90.00 and a Skynet score of 79.00.

The audit timeline was initially requested on 2/25/2025 and revised on 5/20/2025. A 50,000 USDT bug bounty is active, with tiered rewards for Critical, Major, Medium, and Low severity issues. Additionally, an ongoing $100,000 giveaway will reward ten winners with $10,000 in MUTM each.

The platform’s dashboard and Top 50 leaderboard will allow investors to track ROI and rankings in real time, adding transparency and gamified incentives to the presale experience.

If an investor moved $8,000 from SOL and ETH to Phase 1 of Mutuum Finance (MUTM) at $0.01, they would have bought 800,000 MUTM. It’s now valued at $28,000, or 3.5X more than

it was at the Phase 6 price of $0.035. This holding will grow to $280,000 if the 900% upside goal is met, which is about $0.35 per token.

This shows how early allocation can grow along with Layer-2 adoption, beta launch, and eventual Tier-1 listings. This order of action to demand makes sure that the 900% goal is based on structural mechanics and not guesswork.

FOMO and closing

Phase 6 is already 55% sold, and the upcoming price rise to $0.040 in Phase 7 makes potential investors feel like they need to act quickly. Mutuum Finance (MUTM) is a structured way to trade in cryptocurrencies. It has features like lending and borrowing, stablecoin integration, staking-buyback mechanics, and a strong roadmap with Layer-2 adoption.

The dashboard and Top 50 leaderboard will let players keep an eye on their ROI and rankings. This makes MUTM a great alternative as BTC and SOL reach their limits and traders look for altcoins with high upside and useful features.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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