Which crypto to buy today long-term? BTC treasuries vs $0.035 alt, here’s why

Companies like Tesla and MicroStrategy have previously shown how Bitcoin can be a great asset for holding cash. They put BTC on their balance sheets to protect against inflation and make sure it would still be worth something in the future.

Analysts now say that Mutuum Finance (MUTM), which was only $0.035 during its presale, is becoming the retail investor’s version of a treasury-grade hold.

MUTM is being marketed as the cryptocurrency that long-term investors will take as seriously as institutions did with Bitcoin years ago. Its architecture focuses on lending, stability, and incentives.

Why Mutuum Finance (MUTM) is built for long-term value

Mutuum Finance (MUTM) is being built as a decentralized lending protocol that combines peer-to-contract (P2C) and peer-to-peer (P2P) models into one system.

This flexibility will let users get the most out of their money while keeping the system stable for many years to come. In the P2C framework, lenders put their assets into pools, and borrowers use collateral to get to them.

If an investor puts in $15,000 worth of MATIC, they can borrow $10,500 in USDT at a loan-to-value ratio of 70%.

The lender will make $900 a year if the pool is used 60% of the time and has a 6% annual rate. This gives people a strong reason to act, which is similar to how stability is built into Mutuum’s concept.

The P2P feature, on the other hand, will let traders who are willing to take risks make their own contracts. Tokens like DOGE and FLOKI, which are known for being volatile, will be kept in separate agreements.

This will stop the volatility in speculative assets from spreading to the main pools where long-term investors are looking for steady returns. Analysts say that this two-tiered arrangement is like the balance that traditional treasuries offer: a safe core and carefully regulated risk exposure.

Managing liquidity and volatility will also be very important for the project. There needs to be enough liquidity so that distressed collateral may be sold without lowering crypto values today.

Blue-chip assets like ETH and USDT will have their liquidation thresholds set at 80%, while highly volatile assets will be limited at 65%.

This gives liquidators reasons to act while keeping the protocol safe from systemic hazards. Reserve factors will also change according to risk.

Stable assets will take in roughly 10%, while riskier ones will take in up to 35%. People think that these kinds of mechanisms will make a strong base that will still be appealing even if the cryptocurrency market crashes again.

Presale progress and long-term growth utlook

Analysts are paying a lot of attention to the technological design, but investors are also paying attention to the results of the presale. Mutuum Finance (MUTM) is now in Phase 6. So far, it has made $15.51 million, and 35% of the 170 million tokens are available for purchase. So far, more than 16,200 holders have taken part.

A CertiK audit gave the project a Token Scan rating of 95 and a Skynet rating of 78, which made it more credible. The improvements were finished in May 2025.

The company is running a $100,000 giveaway campaign and a $50,000 Bug Bounty program to keep people interested. The Bug Bounty program rewards community members who help keep the site safe.

MUTM is being marketed as one of the cheapest long-term investments accessible at the current presale price of $0.035. When the sale reaches Phase 7, the price will automatically go up to $0.040, which means that people who already own it will get a 15% gain.

This approach makes sure that early adopters get treasury-like appreciation before the cryptocurrency is even listed on exchanges.

Analysts have also used real-life investment examples to show how rapidly these rewards add up. A Phase 1 customer who traded $7,500 worth of ETH for MUTM at $0.01 is now worth $26,250 at the current presale rate of $0.035. That portfolio will be worth $45,000 when MUTM is worth $0.06.

With the beta launch and exchange exposure happening at the same time as the listing, predictions for 2026 have already put the token in the multi-dollar range.

These kinds of data indicate why people are comparing the token to more than just regular crypto coins; they’re also comparing it to BTC’s early status as a treasury.

The bottom line for long-term investors

The argument over which asset will lead the next decade has gotten stronger as companies keep Bitcoin in their treasuries and banks start offering things like a crypto ETF.

Analysts say that for ordinary investors, Mutuum Finance (MUTM) is the best way to invest in cryptocurrencies for the long run. It costs $0.035 and has a loan mechanism that keeps things stable while giving participants steady returns.

There is a real need. Investors don’t have much time left to get in before the price goes up, since Phase 6 is already 35% sold and the price is set to go up to $0.040 soon.

BTC has already made its mark, but if you’re seeking a long-term investment in a cryptocurrency, MUTM is the best option.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Which crypto to buy today long-term? BTC treasuries vs $0.035 alt, here’s why appeared first on Invezz