Which crypto to buy now: BTC for small moves or aiming 27x by 2026

Bitcoin (BTC) will always stand as the anchor of the market. At around $110,000, BTC shows the strength of a blue-chip asset with stability that reassures institutions and retail investors alike.

Yet for those focused on growth, the question of which crypto to buy now goes beyond the safety of a large-cap. Investors hunting for asymmetric returns are turning to early-stage projects that are building revenue-backed models.

Mutuum Finance (MUTM) is one of those names, designed to turn every borrowing action into long-term buy support through its stablecoin system, mtToken staking, and ongoing market buybacks.

Mutuum Finance (MUTM) introduces new dynamics to DeFi

While BTC sets the tone for crypto prices today, Mutuum Finance (MUTM) will set a new precedent for how decentralized lending and borrowing protocols create value.

In its peer-to-contract (P2C) model, a lender will place $14,000 in USDT and earn 15% APY, resulting in $2,100 annually. The deposit will be represented by mtUSDT, a token that tracks both principal and interest.

On the other side, a borrower using ADA worth $9,200 will be able to unlock $6,450 in liquidity at 70% LTV without selling their holdings. This cycle allows capital efficiency while keeping exposure to market upside.

The peer-to-peer (P2P) model will add even more flexibility. A SHIB holder looking to lend $3,300 will set a 16% APY for 35 days, and the terms can be partially filled by one or more borrowers.

These dual models will not only attract traditional lenders but also active traders seeking tailored borrowing arrangements.

At the core of Mutuum Finance (MUTM) will be a decentralized stablecoin pegged at $1, minted only when users borrow and burned when loans are repaid or liquidated. Issuers will face strict limits on how much they can mint, and governance will adjust interest rates to keep the peg balanced.

If the stablecoin price drifts higher, rates will be reduced to encourage borrowing, while a drop below $1 will trigger higher borrowing rates to tighten supply. Arbitrage opportunities will keep this peg enforced by market participants themselves.

Revenue from these activities will drive the protocol’s buyback engine. Users who stake their mtTokens in designated smart contracts will receive MUTM rewards purchased from the open market using protocol fees.

This means adoption is directly tied to recurring buying pressure for the token. As more loans are taken, more buybacks are made, and more staking rewards are distributed.

Presale momentum and the 27x path

The Mutuum Finance (MUTM) presale is already attracting attention for its accessible entry point and revenue-driven design. Out of a total supply of 4 billion tokens, the presale is in Phase 6 at $0.035 with around $15.04 million raised, 28% sold, and over 15,800 holders.

The upcoming Phase 7 will push the price to $0.040, giving current buyers a narrow window to enter before the next increase. Security has also been emphasized, with a CertiK audit showing a Token Scan score of 95 and a Skynet rating of 78.

To reinforce confidence, the project has launched a $50,000 bug bounty program with severity-based payouts and a $100,000 giveaway that will select 10 winners.

The roadmap shows a clear path: Phase 1 introduced the presale and early marketing, Phase 2 focused on building smart contracts and back-end systems, Phase 3 will bring a testnet demo and security alignment, and Phase 4 will deliver the live platform, exchange listings, and beta launch.

The beta release at the expected listing event will let traders test lending and borrowing instantly, creating buyback demand from the start.

Conclusion

Mutuum Finance (MUTM) represents the kind of asymmetric opportunity that growth-focused investors are searching for while BTC continues to deliver steadier movements.

For those investing in crypto at this stage, the window of Phase 6 is quickly closing. With 28% already sold and the price locked at $0.035 only until the next stage, traders looking beyond a crypto etf or established names will be building positions before the transition to $0.040.

The market will always lean on Bitcoin (BTC) for stability, but those aiming for outsized gains will increasingly look toward tokens like Mutuum Finance (MUTM).

Its combination of stablecoin innovation, mtToken staking, and buybacks positions it as a rare project that will turn protocol activity into continuous market demand.

As the presale advances, the urgency to secure entry grows stronger—an asymmetric bet today that will aim for 27x returns by 2026.

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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