ADA’s boring run leaves investors asking what crypto to buy now before the next rally, experts favor MUTM

The last few months have tested the patience of ADA holders.

While major tokens like Bitcoin (BTC) and Ethereum (ETH) have at least shown bursts of movement, Cardano (ADA) has continued to trade flat, leaving investors disappointed and searching for new opportunities.

Analysts watching crypto predictions are now pointing toward a project in presale that is generating real momentum: Mutuum Finance (MUTM).

Unlike ADA’s stagnation, MUTM is positioning itself with innovative lending mechanics, staking rewards, and a rapidly growing presale that is already making waves in the investing in crypto dynamics.

Presale momentum meets utility

Mutuum Finance (MUTM) is currently in Phase 6 of its presale, with tokens priced at $0.035.

More than $16.2 million has already been raised, with over 16,500 holders onboard and 47% of the Phase 6 allocation sold out.

Investors are paying close attention because the price will jump by 15% to $0.040 in Phase 7, making this the final window to secure MUTM at its current discounted price.

With a total supply of 4 billion tokens, this presale is already standing out as one of the strongest of 2025.

The mechanics of the project are equally compelling.

Mutuum Finance (MUTM)’s Peer-to-Contract (P2C) lending model allows depositors to pool blue-chip assets such as BTC, ETH, or stablecoins like USDT and USDC into audited contracts.

In return, lenders receive mtTokens representing both their deposits and accrued interest.

For example, an investor lending 15,000 in USDT through the platform will receive mtUSDT 1:1 and earn an average of 15% APY—translating into $2,250 annually in passive income.

Borrowers also benefit from the system. Instead of liquidating assets they want to hold, users will be able to collateralize them.

Posting $3,000 worth of ETH as collateral, a borrower can unlock up to 75% of that value—or $2,250—in stablecoins while still retaining exposure to ETH’s potential upside.

This flexibility is driving attention from long-term investors who want both liquidity and upside exposure.

Mutuum Finance (MUTM) also introduces a buy-and-distribute mechanism that goes far beyond ADA’s relatively passive ecosystem.

Revenue generated from lending and borrowing will be used to buy back MUTM tokens from the open market, which will then be distributed to mtToken stakers.

This creates sustained demand and incentivizes long-term participation. With mtTokens not only serving as receipts of deposits but also usable as collateral and stakable for MUTM rewards, the ecosystem is designed to fuel consistent growth.

Risk controls, security, and why analysts favor MUTM over ADA

Mutuum Finance (MUTM) has also taken steps to separate higher-risk assets from its core lending pools through Peer-to-Peer (P2P) lending.

Meme tokens like PEPE, SHIB, or TRUMP will be matched directly between lenders and borrowers, isolating their volatility and ensuring the safety of the primary liquidity pools.

Combined with robust collateral rules—such as 75% LTV for stablecoins and 40% for more volatile tokens—the platform’s Stability Factor and liquidation mechanics will protect against sudden market shocks.

Backing this structure is a security framework already vetted through CertiK. The project’s Token Scan Score is 90, while its Skynet Score stands at 79, showing a high level of trustworthiness.

Additionally, Mutuum Finance (MUTM) has launched a $50,000 bug bounty program with rewards scaled by severity, as well as a $100,000 giveaway where 10 early believers will receive $10,000 each in MUTM tokens.

With over 12K+ Twitter followers, the project’s community is growing as quickly as its presale numbers.

Investors who entered in Phase 1 at $0.01 are already up 250% in value. At today’s $0.035 in Phase 6, their gains have compounded to 3.5x on paper.

When MUTM lists at $0.06, those same tokens will represent an unrealized 500% ROI compared to Phase 1.

Analysts expect that with the upcoming beta launch and expected listings on Binance, KuCoin, Coinbase, Kraken, and MEXC, demand will surge further.

Early exchange exposure will introduce new users to its real utility, a catalyst missing from ADA’s flat chart action.

The crypto fear and greed index frequently shows that the market is unsure, but ventures like Mutuum Finance (MUTM) are showing that new ideas and real-world uses may get things moving again.

ADA investors are still waiting for a rebound, while MUTM is getting the kind of traction that experts say is good for long-term ROI.

Analysts say that Mutuum Finance (MUTM) is giving people the same type of chance that Ethereum (ETH) had in its early days.

This project is gaining traction as older tokens like ADA struggle to get people excited. It has a live beta launch at listing, a proven presale track record, and a loan environment built for sustainability.

If you’re wondering what crypto to purchase right now, experts are pointing more and more to MUTM as the rally contender to keep an eye on.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post ADA's boring run leaves investors asking what crypto to buy now before the next rally, experts favor MUTM appeared first on Invezz