What crypto to buy before ETH bull run ends? MUTM to outpace XRP, SOL by 2026

Ethereum (ETH) is pushing higher with inflows from spot ETF demand, and crypto investors are watching crypto prices today with renewed optimism.

Yet seasoned market watchers know that late-cycle ETH rallies reward those who shift capital toward earlier-stage utility projects before the cycle peaks.

Mutuum Finance (MUTM), now in its Phase 6 presale at $0.035, is being built to deliver real demand drivers that stand apart from hype-driven crypto coins.

The project is positioning itself with a decentralized $1 stablecoin, mtToken staking inside designated contracts that distribute MUTM rewards, and a revenue-driven buyback program that will purchase MUTM on the open market and recycle it back to stakers of mtToken.

By anchoring its ecosystem to usage-based inflows, Mutuum Finance (MUTM) is designing a model that connects activity directly to value capture.

A next-generation lending model that rewards both sides

Mutuum Finance (MUTM) will operate across two lending rails. Its peer-to-contract system will cater to bluechip assets and stablecoins, while a peer-to-peer system will manage higher-volatility names to keep risks isolated from the core.

This separation will give investors confidence that high-risk lending activity will not spill into conservative pools.

In the P2C model, lender returns will flex with utilization. Imagine a user allocating $26,000 in USDC to a pool running at high demand. With a 13.5% annual yield, that lender will collect $3,510 in interest within a year, all reflected in the value of mtUSDC that grows as yield accrues.

On the borrower side, an ETH holder locking $20,000 in collateral will unlock $14,000 at a 70% loan-to-value ratio, all without having to sell ETH during a rising cycle. Borrowers will keep their positions open as long as collateral remains sufficient and may repay at any time, maintaining flexibility alongside leverage.

For risk-seeking participants, the P2P model will allow direct negotiation on higher-risk tokens such as PEPE, DOGE, FLOKI, SHIB, or TRUMP.

A SHIB lender may set terms at 30% APR over 35 days on a $4,800 order, choose partial fills, and capture the higher reward associated with higher risk, while keeping exposure siloed away from the core pools.

This dual-track architecture ensures that Mutuum Finance (MUTM) will attract a broad spectrum of users while protecting stability for bluechip liquidity providers.

Presale momentum and a stronger foundation

Mutuum Finance (MUTM) is running Phase 6 of its presale at $0.035. Over $15 million has already been generated, with around 25% of tokens sold and more than 15,700 holders on record.

The total supply will stand at 4 billion tokens. With Phase 7 set to lift the price to $0.040, investors see the current level as the final chance to secure tokens before a 15% step-up.

Confidence has also been reinforced by external validation. A CertiK audit was performed with both Manual Review and Static Analysis, producing a Token Scan Score of 95 and a Skynet Score of 78.

The initial audit was requested on 2/25/2025 and revised on 5/20/2025. The project is also building community traction with over 12,000 followers on X.

The decentralized stablecoin will be a centerpiece of liquidity expansion. Always targeting $1, it will be minted only when users borrow against collateral and burned when loans close. Issuers will be pre-approved and capped within limits to control exposure.

Governance will tune borrowing rates to help maintain the peg, while arbitrage and liquidations will provide natural checks. On top of that, users staking mtTokens in designated contracts will receive MUTM rewards sourced from revenue-funded buybacks.

This usage-to-revenue loop is designed to strengthen token demand and establish long-term sustainability.

The roadmap outlines a steady progression. Phase 1 introduced Mutuum with the presale launch, marketing, giveaways, audits, listings on major trackers, and the AI helpdesk. Educational modules and legal teams will follow.

Phase 2 will drive core development: smart contracts, the dApp interface, backend systems, analytics, and security reviews. Phase 3 will finalize with beta testing, functional demos, security checks, documentation, and exchange preparation.

Phase 4 will deliver the live launch, token claims, listings on global exchanges, bug bounty operations, multi-chain expansion, and institutional partnerships.

To secure the system and encourage contributions, Mutuum Finance (MUTM) is operating a 50,000 USDT Bug Bounty, rewarding up to $2,000 for critical findings.

Alongside this, a $100,000 giveaway will reward ten community members with $10,000 each in MUTM.

How early investors are being benefited

An investment example underscores the advantage of early positioning. A Phase 1 participant who rotated $7,000 at $0.01 into Mutuum Finance (MUTM) will already see $24,500 on paper in Phase 6 at $0.035, a 3.5x multiple.

The listing price of $0.06 will mean 6x against Phase 1 entries.

With its beta set to go live at the same time as listing, a decentralized stablecoin to deepen liquidity, a buyback program linking revenue directly to demand, and expected listings on Binance, KuCoin, Coinbase, MEXC, or Kraken, Mutuum Finance (MUTM) is preparing to outpace the percentage gains of XRP and SOL by 2026.

Investors tracking crypto prices know momentum cycles fade quickly. The ETH cycle will not last forever, and short-term multiple seekers will act before Phase 6 ends.

Once the step-up to $0.040 locks in, late entrants will accept higher cost bases, while early movers will position themselves ahead of the crowd in one of the most attractive opportunities in crypto investing this year.

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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