The best cheap cryptos to buy now before ETH turns bullish

Ethereum often sets the tone for the wider crypto market. When ETH trades sideways, experienced investors quietly start building positions in smaller, undervalued assets.

These early moves often deliver the biggest gains once Ethereum begins its next uptrend.

Analysts watching the current market cycle are already calling this the best time to focus on accumulation.

Among the mix of familiar names and rising projects, a new cryptocurrency is standing out — Mutuum Finance (MUTM).

This market phase resembles previous pre-bull windows, where patient investors accumulated tokens under $1 before explosive rallies began.

While major coins like Ethereum and Bitcoin dominate headlines, experts suggest that value lies in smaller caps that combine affordability with real-world utility.

Mutuum Finance (MUTM) now joins Solana (SOL) and XRP on the short list of tokens worth attention before the next leg of growth begins.

Solana (SOL): fast, efficient, but already expensive

Solana has recovered from its earlier network congestion and has shown strong technical performance this year.

It continues to attract developers building fast DeFi and gaming platforms.

Its throughput and scalability are proven, but the current valuation already reflects much of that progress.

At its present price, analysts expect Solana to deliver around 1.5× to 2× upside before the next major rally begins.

That makes it a safer but slower-moving option.

Investors looking for sharper gains are turning their focus toward lower-cost entries with growing ecosystems.

Solana remains a benchmark for high-performance chains, but its size and price limit its near-term return potential.

The search for the next Solana-like performer is what brings many investors to Mutuum Finance (MUTM), still priced at only $0.035 in its presale.

XRP: stable, trusted, but growth-limited

XRP’s regulatory clarity restored market confidence, and institutions continue to explore its cross-border payment capabilities.

Its speed and liquidity make it reliable, yet its centralized token distribution limits long-term exponential growth.

Analysts expect XRP to move between 2× and 3× in the upcoming cycle as capital rotates toward utility-driven assets.

XRP remains part of many balanced portfolios, but for investors seeking higher ROI from smaller market caps, emerging DeFi platforms are gaining more attention.

This shift in investor sentiment aligns with rising interest in projects like Mutuum Finance (MUTM), which offer direct participation in revenue-driven ecosystems rather than depending solely on speculation.

Mutuum Finance (MUTM): the affordable disruptor

Mutuum Finance (MUTM) is fast becoming the standout among new cryptocurrency launches this season.

Its presale has already raised $17.62 million, with more than 17,400 holders overall.

Currently priced at $0.035 in Phase 6, 72% of the 170 million tokens allocated for this round are sold.

Once Phase 7 starts, the price will rise 15% to $0.040 — making this one of the final chances for early investors to secure discounted access.

Unlike speculative projects that rely only on hype, Mutuum Finance (MUTM) builds its value around real lending and borrowing activity.

The platform will combine two lending systems: Peer-to-Contract (P2C) and Peer-to-Peer (P2P).

In P2C mode, users will deposit liquidity into automated pools, earning yield from active borrowers.

In P2P mode, individual users will negotiate custom terms for loans backed by crypto assets.

A simple example shows how this works. A borrower will lock $2,000 in ETH as collateral, with a loan-to-value ratio of 75%, to borrow $1,500 USDT without selling holdings.

That transaction will generate interest for lenders and create revenue for Mutuum.

The platform will later use part of that revenue to buy MUTM tokens from the market, redistributing them to stakers. Every interaction in this system will connect user activity directly to token demand.

Additionally, the project’s beta version will launch alongside the token listing, ensuring users can immediately access lending, borrowing, and staking features.

Users who stake their mtTokens will receive ongoing rewards, creating a real yield experience within a transparent ecosystem.

As a part of the beta launch, Mutuum Finance revealed on its official X account that the V1 version of its protocol will launch on the Sepolia Testnet by Q4 2025.

This version will introduce core features such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure a safe and efficient system.

At the start, users will be able to lend, borrow, and use ETH or USDT as collateral.

This testnet launch will give users a chance to experience the platform before its full release.

By offering early access, Mutuum Finance aims to build trust and community engagement.

As confidence grows, both platform usage and token demand are likely to increase.

Moreover, for community building and to appreciate consistent investors.

A new daily reward feature has been added to the 24-hour leaderboard.

Each day, the user who secures the top position will be granted a $500 MUTM bonus, as long as they complete at least one transaction within that 24-hour window.

The leaderboard refreshes automatically every day at 00:00 UTC.

The accumulation window is narrowing

Solana is gaining ground and people trust XRP.

But Mutuum Finance (MUTM) is both cheap and useful, which analysts see as the best combo before a big market rebound.

The CertiK audit, bug bounty program, and increased presale participation on the platform show that investors are quite confident.

Its dual lending system, buy-and-distribute methodology, and planned beta release over a fast Layer-2 network all point to real-world use and growth over time.

Since Phase 6 is now 72% done, there aren’t many tokens left at $0.035. As soon as the price hits $0.040, the early entrance benefit is gone.

As ETH gets ready to go up, analysts say that Mutuum Finance (MUTM) is one of the best ways to buy and hold in the current market.

The message is clear for investors who are looking for lucrative cryptos: cheap won’t stay cheap, and this new cryptocurrency is one of the best chances to get in before the next rise starts.

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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