As investors position for the next major cycle, Ethereum (ETH) continues to stand out as a foundational layer of the crypto market. Although still a top performer in the market, the overall market capitalization of Ethereum naturally limits the overall potential for future growth. Because of this, analysts focused on finding the best crypto to buy now and invest in for 2026 and beyond are turning to other top cryptos. Among them is Mutuum Finance (MUTM) , a decentralized finance protocol focused on lending and borrowing and revenue-linked tokens. MUTM is currently selling for $0.04 as part of a rapidly accelerating presale phase. Ethereum (ETH) Holds Key Levels Currently, Ethereum (ETH) is holding a key technical level as part of a larger market dynamic that is waiting for a next move. Specifically, the $2,200 level is a key level that needs to be held by Ethereum in order to maintain a larger bullish dynamic within the market. If this level is maintained by Ethereum, then consolidation within the established range is likely to continue. However, a move down to the $1,500 liquidity zone is also possible if downside pressure becomes more pronounced. From a technical standpoint, a successful sweep and reclaim of this zone has historically been a key indicator that a future upside phase is about to begin. As ETH seeks further upside, attention is also turning to Mutuum Finance (MUTM). MUTM Presale Results Show Strong Market Appetite Since the token’s launch in early 2025, Mutuum Finance’s presale has seen a robust appetite for the token from investors. So far, the token has risen from $0.01 at the start of the presale’s Phase 1 to the current price of $0.04 in Phase 7, giving investors a 4x return on their initial investment. Currently, the token has raised $20.25 million from over 18,930 investors. Mutuum Finance’s token price will continue higher until $0.06 at the end of the presale. This pricing means that the biggest returns go to those who join the presale the earliest. For instance if the token hits $1 after launch, a buyer who invests today secures a 25x ROI. However, if they wait and buy later at $0.06, their return on investment will shrink to just 16x. The token’s presale momentum, with more than $20 million raised and nearly 19,000 unique investors, dual-lending model and risk management infrastructure support a potential rally to $1 before the end of 2026. This has drawn a huge crowd of investors seeking for an entry while the token is still discounted. Earn Yield while Maintaining Liquidity Mutuum Finance allows investors to earn a passive income while at the same time keeping their cryptocurrency liquid. For example, if an investor deposits 5 ETH into the Mutuum Finance platform, they could earn a 7-10% supply APY while at the same time using the deposited ETH as collateral to borrow the platform’s native stablecoin. The interest earned from the deposited ETH could then be used to pay the interest on the borrowed stablecoin. The platform offers two types of lending products: Peer-to-Contract (P2C) – Investors deposit their assets into a liquidity pool and earn interest based on the pool’s utilization. Peer-to-Peer (P2P): This involves negotiations between borrowers and lenders. This type of lending is suitable when the assets involved are more volatile such as meme coins. For instance, a borrower could negotiate a loan of $6,000 USDT and use $8,000 worth of SHIB as collateral. These different types of lending options give users a wide array of options to work with, making MUTM a very attractive platform to invest in and the top crypto choice for forward-looking investors. Excellent Risk Management to Boost Investors’ Confidence Mutuum Finance is a platform that prioritizes risk management and security. This is because all loans are over-collateralized. In this regard, the loan to value ratio is 80% for more stable assets like ETH. This means that $12,000 ETH could be used to generate a loan of $9,600. Mutuum Finance uses Chainlink oracles to obtain real-time prices regarding the assets involved. This is very important in risk management because it ensures that borrowers are not unfairly liquidated when there is a sudden or huge price swing. For example if the price of ETH falls from $2,600 to under $2,000 within minutes, the oracle updates this information in real time to protect the borrower’s collateral. This risk management is very important because it makes MUTM a very reliable investment option. This is why it is considered the best crypto to buy now. While Ethereum is a project to keep an eye on in 2026, those looking to make big gains need to look at a different project: Mutuum Finance (MUTM). It is priced at $0.04 and boasts a live DeFi platform with over $20M raised. It is the best crypto to buy now and clearly among the top crypto opportunities for 2026. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance
