Cardano (ADA) has been poor lately since the price hasn’t been able to hold crucial support levels.

Traders looking at crypto charts are wondering whether ADA can go up a lot in value right now, particularly because investors are becoming more cautious due to worries over why crypto is plummeting.

With the buzz over memecoins dying down and classic blue-chip altcoins reaching maturity, investors are seeking crypto investments that will provide them more returns than they put in.

Mutuum Finance (MUTM) is a next-generation DeFi protocol that is quietly getting a lot of attention.

It is now in Phase 6 of its presale and costs $0.035, which is the type of potential that many traders are looking for.

Mutuum Finance (MUTM) is a decentralized lending and stablecoin platform designed to deliver tangible value to users while keeping the system stable.

Overcollateralized borrowing is its main characteristic. This lets people get cash without having to liquidate their underlying assets.

In the ecosystem, stablecoins may only be made using permitted collateral like ETH, SOL, AVAX, or bluechip tokens. When loans are paid back or liquidated, the stablecoins are instantly burnt.

Governance-driven interest rates keep the $1 peg stable, while arbitrage mechanisms and liquidation incentives make sure the protocol is both secure and solvent.

The system also includes mtToken staking with MUTM payouts that come from buybacks. In MUTM, depositors may receive mtToken staking rewards by giving stablecoins or bluechip tokens.

The platform’s income supports open-market buybacks of MUTMs, which keeps demand for the token steady.

P2C lending accepts institutional capital and stablecoins, whereas P2P lending pools handle more volatile cryptocurrencies like DOGE, SHIB, FLOKI, and PEPE.

The amount of collateral you may use depends on how volatile the asset is. For example, highly liquid stable assets can have up to 75% LTV, whereas volatile tokens can only have 35–42%.

Liquidation thresholds and reserve factors between 10% and 42% keep all pools solvent, which protects both borrowers and depositors from the danger of contagion.

The presale momentum shows how popular MUTM is. Phase 6 has brought in $16million, and 42% of the tokens that were available have been sold to more than 16,400 people.

The next step will raise the price to $0.040, which will reward those who got in early and make new investors feel like they need to act quickly.

The beta launch will let anyone in the community use Mutuum Finance (MUTM)’s borrowing, lending, and staking functions directly. Expected exchange listings and multi-chain growth will also make the currency more liquid and popular.

When it comes to investing, MUTM is a far better option than ADA. At $0.035 today, a $1,000 investment will get you 28,600 tokens.

If MUTM trades at $0.21 by Q1 2026, the stake will be valued at more than $6,000, which is a 500% return. ADA, on the other hand, would have to rise from its current $0.40 to $2.40 to get equal gains.

This would take a lot longer because of its current negative tendencies and slower adoption cycles.

Early investors who bought in at the lower presale rounds are already seeing significant gains, which supports the token’s development path.

The argument for MUTM is much stronger because of security and trustworthiness. The platform has been audited by CertiK, getting a score of 90 on Token Scan and 79 on Skynet.

There is also a $50,000 bug bounty program that encourages people to submit bugs of all severity levels, from $200 to $2,000.

Also, a $100,000 giveaway that is still happening gives ten early entrants $10,000 each in MUTM, which encourages people to use the service and become involved in the community.

The roadmap for Mutuum Finance (MUTM) is meant to help the company expand by giving it real goals to reach.

Phase 1 was all about audits, presales, an AI helpdesk, and listings on the platform. Phase 2 is all about developing the main smart contracts and the DApp.

Phase 3 finishes up testing and audits, and Phase 4 will turn on the entire live platform with institutional partnerships and support for many chains.

These planned changes will make the token more useful in the real world and bring in more users, which will raise demand for MUTM and push the token toward its expected upside.

ADA is going down, and memecoins are losing power. Mutuum Finance (MUTM) is becoming a structured, utility-driven alternative.

Its stablecoin ecosystem, staking rewards, and risk-managed loan pools provide investors a clear way to make 500% profits by the first quarter of 2026.

This is a great chance for anyone who is wondering what crypto to purchase right now.

Even if the overall market is still tough on conventional assets, MUTM’s architecture makes it likely to do better than rivals that aren’t moving and provide early investors with good returns.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post ADA signals bearish, leads traders to ask: what crypto to buy now for 500% potential, is MUTM the answer? appeared first on Invezz

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