Cardano is facing a difficult period as the token slips deeper into a downward trend, losing investor confidence and falling behind newer, faster-moving altcoins. While ADA continues to struggle, a rising new crypto priced at $0.035 is closing in on a full 99% allocation and gaining strong momentum across the market. Many traders now wonder whether Cardano can recover soon, or whether a newer DeFi project is about to take the spotlight. Cardano (ADA) Cardano is currently trading near $0.43, with a market cap close to $15B. While ADA remains one of the better-known altcoins, its recent price action has been disappointing. Cardano once delivered strong surges during earlier bull cycles, but that momentum has faded this year. ADA continues to face heavy resistance. The token remains stuck below the $0.47 to $0.50 range, where sellers repeatedly reject upward movement. Even its higher resistance zone near $0.70 to $0.85 has been unreachable for months. Without stronger volume or fresh catalysts, ADA’s path to recovery remains unclear. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is gaining attention fast as one of the most promising DeFi crypto entries for 2026. Instead of relying on hype or speculation, the project is developing a decentralized lending and borrowing protocol focused on stability, strong collateral systems and predictable returns. Mutuum Finance supports advanced borrowing mechanics, mtTokens that grow in value as interest accumulates, liquidation tools and accurate pricing systems. These features create a safer environment for users and help distinguish the project from many early-stage altcoins. According to the official Mutuum Finance X account , V1 will launch on the Sepolia Testnet in Q4 2025. This version will include the liquidity pool, mtTokens, the liquidation bot and the debt-tracking token, with ETH and USDT supported from day one. Security is one of the biggest reasons investors are paying attention. The project is undergoing a full review by Halborn Security , one of the most respected blockchain security firms. Their involvement gives Mutuum Finance a higher level of trust at a time when many new projects skip thorough auditing. With developing utility, strong development progress and confirmed security oversight, Mutuum Finance is now being viewed as one of the top crypto newcomers in DeFi. User Activity and Fast Adoption Mutuum Finance began its offering at $0.01 in early 2025. Today, the price has risen to $0.035, marking a 250% increase during its early development stage. The project has already raised $19M and expanded to 18,200 holders, reflecting rapid growth across several months. Out of the 4B total supply, 1.82B tokens are allocated to the offering. More than 800M tokens have already been purchased. The offering is now in Phase 6, which is 99% allocated, leaving only a tiny portion left under $0.04. Mutuum Finance also keeps its community active through a 24-hour leaderboard, where the daily top contributor earns $500 in MUTM. This helps drive daily engagement and attract consistent participation. The project supports direct card payments, making it simple for new users to join without needing complex setup steps. This accessibility has allowed more first-time buyers to enter during the later stages, increasing daily inflow. With allocation levels shrinking fast, the remaining supply is moving quicker than any previous stage. Why Many Investors Believe MUTM Has Higher Upside Cardano already carries a market cap in the billions. This makes large surges difficult. ADA cannot repeat its early explosive rallies unless large amounts of new liquidity enter the market. MUTM, priced at $0.035, is still early and has far more room to grow. Cardano is a respected blockchain, but its slow development pace has discouraged some investors. On the other hand, Mutuum Finance is delivering lending tools, mtTokens that generate real yield, and a buy-and-distribute model that creates ongoing buy pressure. A portion of the platform’s revenue buys MUTM on the open market, and MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This provides long-term value that ADA does not currently offer. Many early ADA supporters are now turning toward rising new crypto entries like MUTM after seeing how quickly its offering is being consumed. With V1 launching in Q4 2025, investors expect strong visibility for the platform before the token reaches exchanges. This timing has pushed more ADA investors to add MUTM to their portfolios before the final phase sells out. Whale Allocation and Urgency Phase 6 is now at 99% allocation, and only a very small number of tokens remain at $0.035. This stage has accelerated dramatically in recent days, driven by growing exposure and strong social momentum. A recent $115K whale allocation pushed Phase 6 even closer to completion. Whale entries at this stage usually signal strong confidence in the project’s progress and future potential. Smaller investors often follow these large entries, increasing allocation speed even more. With demand rising and supply shrinking, buyers believe this may be the final chance to secure MUTM at a sub-$0.04 price. As Mutuum Finance prepares for its V1 release, expands its community and moves toward its launch value of $0.06, urgency among early investors is now higher than at any point during the offering. Cardano is struggling with resistance levels, slower growth and a shrinking outlook. Meanwhile, Mutuum Finance has surged 250%, raised $19M, built a community of 18,200 holders and pushed Phase 6 to 99% allocation. With strong DeFi utility, security audits, rising demand and whale activity increasing, MUTM is becoming one of the top cryptocurrencies to watch going into 2026. With Phase 6 almost gone, the remaining supply at $0.035 may disappear far sooner than expected. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses. The post Cardano vs This New DeFi Crypto: ADA Drops 20% While This $0.035 Coin Nears 99% Allocation Under $0.04 appeared first on Times Tabloid .