Best cryptos to buy right now before the next wave of retail FOMO

Smart money is already positioning for 2025 as retail investors prepare to re-enter the crypto market. Analysts predict altcoins under $1 will dominate the next growth cycle.

Cardano (ADA), Solana (SOL), and emerging DeFi projects like Mutuum Finance (MUTM) are top cryptocurrencies for pre-FOMO accumulation.

Two of them are under $1 while each of these crypto coins offers a unique path to growth, but Mutuum Finance (MUTM) is capturing attention with its dual lending model and staking mechanics.

Mutuum Finance (MUTM) will stand out among the best cryptocurrency to invest today before retail interest spikes. Its combination of utility, buybacks, and rewards positions it differently from other popular altcoins for readers asking what crypto to buy now.

Presale overview – Investor momentum and FOMO

The Mutuum Finance (MUTM) presale is building fast momentum. Out of the total supply of 4 billion tokens, approximately $17.4 million have already been raised combining all phases.

The current price stands at $0.035, while over 17,200 holders have already participated in the presale. Phase 6 will reach 68% sold out soon, and the next phase price will rise to $0.040, a 15% increase.

Early investors from Phase 1 will already have 250% gains, highlighting why the timing is critical. The ongoing presale demonstrates strong demand, signaling that crypto investing in Mutuum Finance (MUTM) will offer both early utility exposure and growth potential.

Retail investors will face the pressure of entering before broader FOMO drives prices higher among the best cryptos to buy now.

The 24-hour leaderboard has been updated with a new reward mechanism. Each day, the user achieving the top rank will receive a $500 MUTM bonus, as long as they complete at least one transaction within that 24-hour timeframe. The leaderboard resets at 00:00 UTC daily.

Mutuum Finance (MUTM) – Dual lending platform

Mutuum Finance (MUTM) will operate as a dual DeFi platform. The Peer-to-Contract (P2C) pools will allow users to lend mainstream crypto coins such as ETH, BTC, and USDT.

Lenders will receive mtTokens, which will accrue interest over time and can also be staked to earn MUTM rewards. This will create an ongoing demand cycle for the token and place MUTM on some top crypto to buy lists.

The Peer-to-Peer (P2P) segment will support community tokens and higher-risk projects like DOGE and PEPE. Borrowers will post over-collateralized assets to access liquidity. The automatic liquidation system will protect the protocol and maintain stability.

MUTM will combine both models to attract conservative lenders and risk-tolerant traders, offering a broad appeal in the market. The real utility will drive liquidity flow in the project and hence will take the MUTM demand up faster than SOL as a new cryptocurrency with real use.

MUTM’s growth mechanics

Mutuum Finance (MUTM) will launch fully operational with potential exchange listings on day one. Each lending and borrowing transaction will generate token demand, ensuring utility-driven growth.

The buyback and reward system will recycle part of platform revenue to repurchase MUTM tokens, which will be redistributed to stakers. This loop will continuously create upward pressure on crypto prices today and incentivize long-term holding.

Multi-chain integration will allow ETH, SOL, and AVAX as collateral, expanding platform flexibility. With Layer-2 integration users will benefit from speed, efficiency, and access without the limitations of a single chain.

The combination of live utility, staking rewards, and buyback mechanisms will make Mutuum Finance (MUTM) one of the best crypto to invest for strategic growth and a candidate for the next big cryptocurrency.

ADA

Cardano (ADA) is a cryptocurrency that is based on research and academics. Its staking environment is powerful, but people aren’t using DeFi as much as they could be. Mutuum Finance (MUTM), on the other hand, will start with live utility and the ability to make money right away.

It will be ADA’s practical equivalent, bringing new ideas to life more quickly and making tokens useful in real life. Recently, Cardano (ADA) fell to $0.27 but has now risen again. It has trouble getting past $0.78.

If prices go down, they could drop to $0.60 or $0.50. If prices go up, the outlook could alter for those comparing the best crypto coin to buy under $1.

SOL

On October 13, 2025, the CME Group launched options for Solana (SOL) after CFTC approval, allowing traders to trade SOL options in standard and micro sizes with various expiration dates. Solana’s price is about $217, a key level for traders.

Staying above this could push it to $230–$235, while a drop below $210 may lead to $200. The Solana community awaits the SEC’s decision on spot Solana ETF applications by Franklin Templeton, Bitwise, and Fidelity, with a deadline of October 16 and positive updates reported—key context for lists of which crypto to buy today for short-term moves.

Development update and ROI example for early investors

An investor entering Phase 3 of the MUTM presale at $0.02 with $10,000 has acquired 500,000 tokens. At the current $0.035 price, the holdings are already valued at $17,500, a 75% gain. With the 10× target of $0.35, the value will climb to $175,000.

This demonstrates the advantage of early participation before retail FOMO accelerates demand for anyone evaluating what’s the best crypto to buy ahead of 2025.

By Q4 2025, the team has announced the launch of the V1 of the protocol on Sepolia testnet. V1 will include a liquidity pool, mtTokens, debt tokens, and a liquidator bot with initial assets ETH and USDT can be used as collateral, borrowing and lending.

This will demonstrate the protocol’s full functionality and provide confidence for new investors seeking practical exposure.

Pre-FOMO window closing fast

Mutuum Finance (MUTM) stands out among ADA and SOL as a top altcoin for pre-FOMO accumulation. Its live DeFi mechanics, buyback reward system, and multi-chain utility will create consistent token demand.

For community growth, the ongoing $100,000 giveaway, with ten winners receiving $10,000 each in MUTM tokens is already live.

Phase 6 is already 68% sold out. Once the phase closes, the price will rise 15% to $0.040.

This will be the last chance for investors to join Mutuum Finance (MUTM) at the current price before the next wave of retail FOMO drives demand higher—timely for those watching the next crypto to explode and comparing best cheap crypto to buy now options.

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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