Three best cryptos to buy now for long-term holding, MUTM is leading

The crypto market in 2025 has entered a powerful new cycle, reigniting excitement among long-term investors. Ethereum (ETH) and Solana (SOL) continue to dominate the charts, each holding a proven track record of scalability, adoption, and institutional confidence.

Yet, a new contender has entered the spotlight — Mutuum Finance (MUTM). It has swiftly become the next big crypto on every watchlist, drawing intense attention for its advanced lending ecosystem and early presale opportunity that still offers room for exponential growth.

While ETH and SOL have already matured into established assets, Mutuum Finance (MUTM) stands out as the fresh entry with a fast-rising valuation. It has introduced one of the most utility-driven ecosystems in decentralized finance, where users will stake, lend, and borrow through a model designed for sustainable revenue and buyback-driven token demand.

The project’s presale has already attracted thousands of holders, with experts pointing toward a strong 10x to 20x ROI range once the token lists on exchanges.

ETH

Ethereum (ETH) continues to maintain its position as the backbone of decentralized finance. With ETF inflows and institutional adoption growing, ETH is expected to double or triple its value in the next cycle. However, its current price per coin limits accessibility for smaller investors, and the upside from its already-mature valuation remains moderate compared to earlier years.

The current price is around $3,965. The first target zone is between $4,280 and $4,320, which matches the initial resistance level seen on the chart.

After a confirmed breakout and retest, this area could see some profit-taking or a short-term pullback. The second target zone is between $4,550 and $4,600, which represents the upper resistance level based on the Ichimoku cloud’s future projection and past price highs.

SOL

Solana (SOL), on the other hand, remains one of the most technically advanced Layer-1 blockchains, recognized for its fast throughput and active developer ecosystem.

SOL is expected to deliver long-term gains, possibly in the 4x to 6x range, but the entry point today offers less explosive potential than what new-generation protocols like Mutuum Finance (MUTM) currently provide.

The market has seen this pattern before — smaller-cap projects with real-world utility tend to outperform blue-chip cryptos during early growth phases.

MUTM — The rising star of 2025 presale boom

Mutuum Finance (MUTM) is now in Phase 6 of its presale, priced at $0.035, with around 72% of its 170 million supply already sold. More than 17,400 holders have joined, contributing to a total raise of approximately $17.68 million. The next phase will increase the price to $0.040, signaling a 15% rise that has created strong FOMO among investors looking to buy before the next stage.

An investor who entered in Phase 1 at $0.01 with $2,000 now holds tokens valued at $7,000 at today’s price, showing a direct, measurable rise in value within months.

As the presale advances toward completion, this same holding will cross $200,000 once MUTM reaches the targeted $1 mark post-listing. This kind of growth trajectory has made it one of the most attractive crypto coins in the market, especially for those who understand the power of early positioning.

Mutuum Finance (MUTM) will power a full-scale decentralized lending and borrowing system combining two models — Peer-to-Contract (P2C) and Peer-to-Peer (P2P). Through P2C, lenders will supply liquidity in stablecoins such as DAI, and USDD, as well as blue-chip tokens like ETH and SOL.

For instance, lending $15,000 USDT will yield an annual return of roughly $2,250 at an average APY of 15%. Borrowers will enjoy efficient access to capital by posting assets like ETH as collateral and borrowing up to 75% of its value.

The P2P layer will target higher-risk, less-liquid tokens such as DOGE, PEPE, FLOKI, and similar assets. These peer-based arrangements will allow lenders and borrowers to negotiate rates directly, enabling higher yield opportunities while isolating the risk away from the main liquidity pools.

This approach provides both scalability and safety — two elements often missing in early-stage DeFi projects.

One of Mutuum’s most defining mechanics will be its buy-and-distribute system. Platform-generated revenue will be used to buy back MUTM tokens from the open market and distribute them to mtToken stakers as rewards. This creates continuous buying pressure and a compounding incentive loop for long-term participants. 

The initial mainnet will roll out in stages, beginning with a launch of the protocol on Sepolia testnet in Q4 2025, featuring ETH and USDT as lending/borrowing/collateral, mtToken issuance, Debt Tokens, and the Liquidator Bot.

Community, security, and roadmap confidence

Mutuum Finance (MUTM) has established credibility through a strong security-first approach. The protocol has undergone a detailed audit by CertiK, achieving a TokenScan score of 90 and a Skynet score of 79.

Alongside this, a $50,000 bug bounty program incentivizes ethical hackers to identify vulnerabilities early, with tiered rewards up to $2,000 for critical findings. 

An ongoing $100,000 giveaway, where ten winners will each receive $10,000 in MUTM tokens, has further energized community engagement. Over 12,000 followers now support the project on Twitter, and its 24-hour leaderboard rewards top daily users with $500 in MUTM, adding a gamified layer of excitement.

The roadmap remains ambitious yet structured — testnet deployment, exchange listings, regulatory alignment, and eventual multi-chain expansion are all planned milestones.

Final verdict — MUTM leads the pack

Ethereum (ETH) and Solana (SOL) are still good long-term investments, but Mutuum Finance (MUTM) is getting a lot of attention as the next big crypto that will change the industry in 2025.

It is a top choice for investors looking for the next 10x opportunity because of its successful presale, unique lending ecosystem, buy-and-distribute incentive scheme, and upcoming launch date.

This might be your last chance to get in before the price goes up again and the valuation curve gets steeper. In the long run, ETH and SOL are the past of crypto coins, but Mutuum Finance (MUTM) is the future of crypto coins.

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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