Next crypto to hit $1: Early picks that will beat SHIB and DOGE by 2026

The crypto market will soon rotate away from speculative meme tokens toward audited projects that deliver real yield and sustainable mechanisms.

While SHIB and DOGE have dominated headlines, the next wave of capital will chase utility and revenue-backed innovation. Mutuum Finance (MUTM), priced at just $0.035 in its Phase 6 presale, will present exactly that profile.

With its governance-tuned $1 stablecoin, interest-bearing mtTokens, and redistribution model that will reward active participants, Mutuum Finance (MUTM) will be positioned to reach $1 faster than coins built purely on social hype.

A stablecoin-backed protocol that will redefine lending

Mutuum Finance (MUTM) will introduce a decentralized ecosystem where every loan will be overcollateralized with bluechip assets, and its stablecoin will always aim to maintain $1 through mint and burn mechanics.

Borrowing rates will be tuned by governance to defend the peg, ensuring long-term trust. For lenders, deposits will generate mtTokens issued 1:1 as digital receipts that will grow in value with accrued interest.

In the peer-to-contract (P2C) model, someone depositing $22,000 USDC into a high-utilization pool will earn 14% APY, generating $3,000 in annual interest automatically tracked through mtUSDC.

Borrowers will gain liquidity without selling their holdings: for example, a SOL holder posting $16,500 in collateral at 70% loan-to-value will unlock $11,600 while still staying long SOL.

The peer-to-peer (P2P) system will add further flexibility. A SHIB lender will be able to set 22% APY on a $3,000 order for 40 days, with the allowance for partial fills, ensuring isolated risk that will not affect broader liquidity pools.

mtTokens will not only represent deposits but will also be staked in designated smart contracts. Staking will provide MUTM rewards purchased back from open-market revenue, creating a direct link between protocol activity and stakers income.

This cycle of lending, borrowing, staking, and redistribution will establish a real yield that stands in contrast to meme tokens that rely solely on social momentum.

Presale momentum and roadmap toward launch

The presale of Mutuum Finance (MUTM) will define the launch trajectory. With a total supply of 4 billion tokens, Phase 6 will currently be priced at $0.035.

Around $15.04M has already been raised, with over 15,800 holders participating and 28% of Phase 6 already sold. Once this phase completes, Phase 7 will move the price to $0.040, marking a 15% step upward.

The protocol has undergone a CertiK audit, including manual review and static analysis, achieving a Token Scan Score of 95.00 and a Skynet Score of 78.00, with the audit timeline spanning from February 25, 2025, to May 20, 2025.

Engagement has been rising as well, with over 12,000 followers on X, a $50,000 USDT bug bounty program with tiered rewards, and a $100,000 giveaway campaign for ten winners, each receiving $10,000 in MUTM.

The roadmap will be structured in four phases. The Intro phase will cover presale, marketing, and audits.

The Build phase will complete core contracts, the front-end, and the back-end dApp. Finalize will deliver the testnet beta, functional demos, multi-firm audits, and exchange listing preparations.

Deliver will mark the live platform launch, MUTM claim process, institutional partnerships, and multi-chain expansion. The beta will go live simultaneously with token listing, meaning users will immediately test minting and burning the $1 stablecoin, staking mtTokens, and interacting with lending pools.

This trajectory will support scaling demand and place Mutuum Finance (MUTM) on a faster track toward exchange listings on Tier-1 venues.

Combined with Layer-2 cost savings and a clear redistribution engine, the ecosystem will incentivize long-term participation and reinforce stability in crypto charts tracking real yield assets.

Why $1 will be within reach

Early investors will see the clearest path. A Phase 1 buyer who rotated $5,000 out of SHIB and DOGE at $0.01 into Mutuum Finance (MUTM) will already stand at 3.5x on paper during Phase 6 pricing of $0.035.

At $1, that position will compound to $500,000 in value.

Unlike meme coins, the journey will be reinforced by tangible drivers: adoption of the beta at launch, stablecoin minting that will remain pegged to $1, staking contracts redistributing buyback rewards, and a steady cadence of exchange listings that will expand access.

Crypto predictions around speculative meme tokens will continue to fluctuate, but the combination of yield, security, and redistribution will allow Mutuum Finance (MUTM) to outpace them by 2026.

Investors tracking crypto prices will begin to see the distinction as audited, revenue-backed projects outperform speculation.

With 28% of Phase 6 already sold, the window will narrow quickly. Phase 7 will push the price to $0.040, a 15% increase that will eliminate the current discount.

This will be the final chance for early buyers to enter before momentum accelerates toward the $1 milestone.

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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