Best Crypto to Buy Now? Some Analysts Favor MUTM Over Stalling Meme Coins

When major holders begin shifting their stakes, it often signals a turning point in the market. These whales, having captured significant gains from crowded trades, are now exploring fresh opportunities. One project attracting their attention is Mutuum Finance (MUTM), hailed by some analysts as the best crypto to buy now thanks to its tangible utility and revenue-driven tokenomics.

Several high-net-worth wallets have quietly taken profits and redeployed capital into new protocols offering real yield. In an environment where meme coins have plateaued, large players are asking what cryptocurrency to invest in next. Their focus has moved toward platforms delivering real-world financial services—like lending, borrowing, and stablecoin minting—instead of purely speculative tokens.

Mutuum Finance (MUTM)

Mutuum Finance is built on a non-custodial framework that gives users full control over their assets. Depositors supply stablecoins—such as USDC or DAI—to earn a dynamic APY, while borrowers lock collateral to access liquidity without selling holdings. When you deposit, you receive mtTokens, which grow in value as the protocol allocates a portion of its fees to buy back MUTM and distribute it to participants.

In contrast to meme-driven tokens with unpredictable supply sinks, MUTM’s buyback mechanism ties demand directly to usage. As more users borrow and lend, fee revenue funds ongoing token repurchases. This creates a steady buying pressure, setting the stage for long-term crypto investment that isn’t reliant on social media hype.

Mutuum’s lending suite offers two modes. In the pool-based system, users deposit assets like ETH or USDC into smart-contract pools. Lenders earn an APY that adjusts with demand—single digits when utilization is low and mid-teens when borrowing spikes. Under the peer-to-peer model, individuals can negotiate terms directly for less common tokens. For example, an investor holding LINK could agree to lend it at 12% APY with a 75% LTV, tapping liquidity without relinquishing exposure to price gains.

Consider borrowing against Ethereum as an example. With ETH trading around $1,800, locking in 2 ETH (worth $3,600) lets you borrow up to 75%—about $2,700 in stablecoins. This setup protects lenders with ample overcollateralization while letting borrowers keep potential upside on their ETH holdings.

Currently, MUTM is in its presale phase at $0.025, its lowest available price. Eleven scheduled rounds will incrementally raise the token cost, and more than half of the current phase has already sold to over 9,000 holders. Early investors secure a 140% gain upon listing at the fixed launch price of $0.06—an opportunity that won’t last long.

Analysts foresee further gains after exchange listings. Projections suggest MUTM could climb into the $2–$4 range within months, implying 80x–160x returns from today’s level. To illustrate, a $2,000 investment at the presale price could expand to $160,000–$320,000 when MUTM hits $4. Such figures are grounded in the protocol’s roadmap: growing lending volume, a forthcoming overcollateralized stablecoin, and continuous buybacks.

Community incentives reinforce this momentum. A live dashboard features a top-50 holder leaderboard, awarding bonus MUTM to those who retain their rank. This gamified element encourages ongoing engagement and keeps MUTM visible across social channels and crypto charts.