Cardano (ADA) is a methodical blockchain project that focuses on in-depth research. However, due to its high circulating supply and established market structure, rising higher is becoming increasingly challenging. Cardano (ADA) is currently trading within an accumulation range. However, expectations for explosive percentage price movements in the near term are dampened. In such a situation, investors are looking towards new crypto projects. The next crypto to hit $1 is currently considered to be Mutuum Finance (MUTM) . The token has been priced at $0.04. It has been considered the best cheap cryptocurrency to invest in due to its decentralized lending and borrowing model. It has been gaining immense popularity in the presale phase. Cardano (ADA) Consolidates as Whales Accumulate Cardano (ADA) has been trading in the $0.33 to $0.34 range for several times in 2025. It has been stable in a downtrend since early 2025. According to on-chain data, large wallets or whales have been accumulating Cardano (ADA). The 100K–100M ADA holders added 454.7M ADA ($161M) in the last two weeks. However, small retail investors continue to sell their holdings. Amidst this indecisiveness, Mutuum Finance showcases stronger momentum as the next crypto to hit $1. Early Entry Positions Investors for Higher ROI While all parties involved in the presale of the MUTM token stand to gain, those who enter the presale at earlier stages will be able to benefit from higher returns. If the price of the MUTM token were to reach the projected price of $1, investors who enter in phase 7 today at $0.04 will gain a 25x ROI. However, if an investor were to enter at Phase 8, at a price of $0.045, their return on investment would only be 21, while entering at launch at a price of $0.06 will only give an ROI of 16x. The fact that over $20.25 million has been raised from over 18,930 unique presale investors indicates that MUTM is gaining significant traction in the market, thus making it one of the new crypto coins that has significant potential for growth and is frequently discussed as the next crypto to hit $1. MUTM V1 Protocol: Hands-On DeFi Experience The Mutuum Finance Protocol is live on the Sepolia testnet, giving users a hands-on experience of what the platform has to offer, especially regarding the DeFi options available on the platform. Using the platform, users can borrow or lend their crypto, thus earning interest passively, as well as keeping their crypto in their portfolio at the same time. Once the crypto is placed in the liquidity pool, the user is rewarded with mtTokens, which represent their stake in the pool. For example, if a user were to deposit 9,000 USDT, they would receive 9,000 mtUSDT and an annual yield of between $900 and $1,080, assuming a 10–12% APY. Debt tokens ensure full transparency for the borrowers as the interest earned is reflected in real time. For example, a $2,000 USDT loan with 0.03 WBTC ($3,500) as collateral can earn interest between 4% and 6% annually. The automated liquidator bot ensures the solvency of the protocol, protecting lenders. The testnet currently has support for high-liquidity assets such as USDT, ETH, LINK, and WBTC, with more tokens to be added to the protocol with the launch of the mainnet. Buyback Rewards: Incentivizing Active Participation Mutuum Finance incentivizes active investor participation through the use of a portion of the revenue generated to repurchase MUTM tokens, which are then distributed to mtToken stakers as rewards. Revenue is generated through borrowing fees, interest spread, penalties, and reserves. For example, the protocol could generate $12 million in revenue, out of which 10% is used for rewards, resulting in $1.2 million for the rewards pool. If an investor is able to stake 0.08% of the total mtTokens staked, they would be able to receive $960 as rewards for their investment in the protocol, further strengthening its profile as a best cheap cryptocurrency to invest in. Analysts are choosing Mutuum Finance (MUTM) over Cardano as the next crypto to hit $1 for its strong DeFi focus, rapidly selling out presale and newly launched protocol. Priced at $0.04 with over $20M raised, it’s the best cheap cryptocurrency to invest in for high growth. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance
