Experts debate which crypto to buy now, hinting at $1.50 by 2026

When investors scan crypto charts to plan their long-term strategies, the conversation is increasingly shifting toward new projects that offer both innovation and upside potential.

Traditional tokens like Ethereum (ETH) and Cardano (ADA) have maintained their positions for years, but a new narrative is forming around Mutuum Finance (MUTM).

Experts debating which crypto to buy today for holding are highlighting MUTM as a unique presale opportunity, pointing to strong mechanics, a clear roadmap, and the possibility of reaching $1.50 by 2026.

For many, this emerging platform represents a smarter direction for investing in crypto in the face of market cycles where headlines often focus on why crypto is down.

Presale traction and investment growth

Mutuum Finance (MUTM) is now deep into its presale and is demonstrating momentum that many traders are calling a once-in-a-cycle entry point.

In Phase 6, the token is priced at $0.035, with around $16.7 million already raised. Over 16,750 holders have joined, and 55% of the 170 million tokens allocated to this phase are gone. With a total supply of 4 billion tokens, each phase is structured to increase value for early entrants.

The next stage, Phase 7, will lift the price to $0.040, representing a 15% jump from today’s rate.

The presale’s performance has already rewarded early believers. Consider an investor who shifted $10,000 from Solana (SOL) into Mutuum Finance (MUTM) during Phase 2 when the price was $0.015. Today, at $0.035, that holding is valued at about $23,300—a gain of more than double.

Looking forward, with the projected target of $1.50 by 2026, this same investment will grow into a six-figure position, delivering well over 100x ROI. For those weighing whether to wait or act, this is the last stretch to secure MUTM before the Phase 7 increase raises the entry barrier.

How lending and borrowing reshape user value

What differentiates Mutuum Finance (MUTM) from older names is not just presale growth but the real mechanics driving its ecosystem. The Peer-to-Contract (P2C) model will allow lenders to supply bluechip tokens and stablecoins into audited smart contracts.

For example, a user who deposits $12,000 in USDC will receive mtUSDC tokens at a 1:1 ratio. If the pool’s average APY reaches 16%, the depositor will collect $1,920 in interest within a year.

This income is earned passively, independent of daily market swings. Borrowers, meanwhile, will unlock liquidity without liquidating assets. By collateralizing $2,500 worth of XRP, a borrower can access $1,750 instantly, based on the assigned loan-to-value ratio.

Flexibility will also be key. Borrowers will choose between variable rates that shift with market conditions and stable rates for predictable repayment. This feature will broaden accessibility for different risk profiles while ensuring repayment clears principal plus accrued interest.

On the other side of the spectrum, Peer-to-Peer (P2P) lending will target riskier tokens like SHIB and PEPE. Here, lenders and borrowers will negotiate terms directly, from interest rates to loan durations, offering high-reward opportunities without exposing the main pools to instability.

Collateral management will keep the protocol resilient. Assets such as ETH will carry higher loan-to-value ratios of up to 75%, with liquidation thresholds around 80%.

Riskier tokens will operate with lower caps, ensuring overcollateralization always protects the system.

When collateral values fall below stability thresholds, liquidators will be incentivized with discounts to secure the platform, further maintaining solvency.

Security, community, and FOMO

Security is a central feature of Mutuum Finance (MUTM). A CertiK audit has already given the token a Token Scan Score of 90 and a Skynet Score of 79, backed by both manual review and static analysis.

The timeline was set for February 25, 2025, and revised for May 20, 2025, showing a commitment to thorough vetting. Reinforcing this, the team has launched a $50,000 bug bounty program, offering rewards up to $2,000 for critical findings.

Beyond security, community engagement is thriving with over 12,000 Twitter followers and an ongoing $100,000 giveaway, where ten winners will each take home $10,000 worth of MUTM tokens.

Investor tools will add another layer of confidence. A real-time dashboard allows holders to connect their wallets, view positions, and calculate returns. A Top 50 leaderboard are able to recognize the largest investors, distributing bonus MUTM tokens as a reward for conviction.

These features are designed not just for tracking but for gamifying participation, reinforcing loyalty, and encouraging larger allocations.

Looking at the road ahead

There is more than just guesswork that leads to $1.50. Mutuum Finance (MUTM) is getting ready for a beta launch that will let people try out the platform’s lending and borrowing functions as soon as the token goes live.

Expected listings on major exchanges like Binance and KuCoin will also help the platform’s utility reach millions of people around the world.

The buy-and-distribute system, which uses revenue to buy back MUTM tokens and reward mtToken stakers, will keep buy pressure up as more people utilize the platform.

Experts debating which crypto to buy today for holding are concluding that Mutuum Finance (MUTM) represents one of the rare opportunities where presale entry, robust mechanics, and strong community alignment combine.

For those watching why crypto is down across legacy assets, this presale offers a chance to turn the narrative around.

With Phase 6 already 55% sold out, the clock is ticking. Traders expecting $1.50 by 2026 are clear: the time to secure MUTM at $0.035 is now, before the next phase lifts the price and the market discovers its full potential.

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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