When people talk about which crypto to purchase right now, they usually fall into one of two groups: those who want to buy short-lived meme tokens that go up and down with the market cycle, and those who want to buy organized projects with usefulness that will help them expand over time. 

Recent waves of a crypto meltdown in speculative tokens have warned traders of the risk that comes with pursuing hype. Investors looking for real gains should not look at risky meme coins.

Instead, they should look at Mutuum Finance (MUTM), which is currently in a $15.32 presale and is expected to return 700x by 2026.

Memecoins are made to go viral, not to last. They do well when people are excited about retail, but they rapidly lose their appeal when traders move on to better stories like crypto ETF launches or DeFi infrastructure. 

The dilemma is whether short-term thrills are worth long-term loss of money. Traders now know that meme tokens may get a lot of attention, but they don’t usually develop systems that institutional players or serious investors can trust.

Mutuum Finance (MUTM) is filling this gap with a model that combines security and usefulness. By using calibrated Loan-to-Value ratios and exact liquidation thresholds, it will lower the chance of default, which will make lenders feel assured that their assets are still safe. 

This is very important in a lending protocol since continuous trust leads to more liquidity, more use, and higher fees.

The project will also use a strong oracle strategy that uses Chainlink feeds with time-weighted average price fallbacks to protect against manipulation. 

Not only will that feature make prices more equal across assets, but it will also make Mutuum Finance (MUTM) a platform that can ultimately welcome institutional engagement as more people start using it. 

When you add a utilization-based interest model to this, liquidity will keep moving through the system, which will increase protocol income and make MUTM tokens more valuable.

The presale has already shown how interested people are in this notion. At its current Phase 6 stage, Mutuum Finance (MUTM) has raised $15.32 million, and tokens are just $0.035. 32% of the 170 million tokens set up for this round have already been claimed.

More than 16,000 people have joined the ecosystem, which shows that it is gaining popularity quickly. Third-party audits also show that security is important. CertiK did manual reviews and static analysis and gave MUTM a 95.00 Token Scan rating and a 78.00 Skynet rating.

The crew is dedicated to earning the confidence of the community, as shown by a $50,000 bug bounty and a $100,000 giveaway campaign that is still going on.

People who trade cryptocurrencies should pay attention to the presale period while deciding which coins to buy. The next step will raise the price of the token by 15% to $0.040.

This means that this is the last chance to buy MUTM for $0.035. People who got in early are already set up to make more money, as the token’s listing is verified at $0.06 before the exchange opens.

Mutuum Finance (MUTM) will not delay utilities after it is operational. The beta launch will show off genuine lending services right away, which will help the number of users expand.

The plan also includes a Layer-2 migration to make transactions faster and cheaper. There will also be a $1 stablecoin release that will safeguard users from price swings and open up new uses for the coin.

There will be more visibility when the coin is listed on exchanges like MEXC, KuCoin, and Binance. This development path shows why the 700x return prediction is achievable.

The presale price of $0.035 now means that the price might reach $24 by 2026. This is because more people will use it, the treasury will expand through reserve factors, and there will be more demand for consistent DeFi returns in a market that is tired of hype cycles.

The conversation around which crypto to buy now reflects the wider split in the market: one side continues to gamble on fleeting meme tokens, while the other looks toward structured projects capable of delivering consistent upside. Bitcoin is consolidating as an institutional asset.

Ethereum and Solana are rallying with the hype of new crypto ETF discussions. But traders who want to transform relatively small amounts of capital into generational wealth are increasingly identifying Mutuum Finance (MUTM) as the clear choice.

By 2026, Mutuum Finance (MUTM) will have rolled out its stablecoin, transitioned into Layer-2, and solidified exchange listings.

These catalysts align with its strong presale foundation and will place it in a position to meet a 700x price expansion from its current level.

For traders navigating the uncertainty of crypto crash cycles, the choice between volatile memecoins and a secure, utility-first DeFi project is obvious. The real answer to which crypto to buy now lies in Mutuum Finance (MUTM).

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Which crypto now? Risky memecoins or MUTM, $15M presale with 700x by 2026 appeared first on Invezz

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