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

Monicah W

mutuum-finance

The post Best Crypto to Buy Now? Some Analysts Favor MUTM Over Stalling Meme Coins appeared first on Coinpedia Fintech News

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.

mutuum-finance

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.

Mutuum’s stablecoin will be minted algorithmically when users deposit collateral above a set threshold and burned upon repayment or liquidation, preserving its peg to the US dollar. Interest from stablecoin loans flows directly into the treasury, adding another revenue stream for token repurchases. This integrated approach to product development is rare among low-cap cryptocurrencies, making MUTM a compelling crypto investment for those seeking real utility.

As whales reposition their holdings, investing in platforms with genuine earnings potential has become a priority. Mutuum Finance’s blend of transparent mechanics, tangible use cases, and a ground-floor presale price positions it as a leading contender among the next big crypto projects. For anyone mapping out crypto predictions this cycle, MUTM offers a clear answer to what crypto to buy today, combining measurable utility with explosive upside potential.

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

Related Posts

Will XRP Become The Cornerstone OF US Global Financial Policy?

Can XRP Become The Cornerstone OF US Global Financial Policy?

As cryptocurrency regulations become clearer, there are suggestions that XRP could lead a US dollar global resurgence. The comments from US Treasury Secretary Scott Bessent have given life to the theories for future XRP relevance but the specter of its long-running case with the SEC looms behind.

RLUSD Will Change The Narrative For XRP

XRP’s community is buzzing with optimism that the asset could play a significant role in America’s ambition to keep the US dollar as the global reserve currency. Pundits are hinging their theories on recent comments by US Treasury Secretary Scott Bessent at the White House Crypto Summit.

Bessent confirmed plans to maintain the US dollar’s supremacy but disclosed a changing stance from fiat. According to Bessent, the US will explore other options including stablecoins to keep the dollar’s dominance as the primary currency for global trade.

“We will keep the US the dominant reserve currency and use stablecoins to do that,” said Bessent.

Right out of the bat, XRP’s community is tipping RLUSD, Ripple’s USD-backed stablecoin to lead the new financial renaissance. Optimists say RLUSD has a raft of positives to justify its bid to spearhead the US stablecoin ambitions.

RLUSD Surging Growth And Regulatory Compliance Gives It An Edge

RLUSD, live on the XRP Ledger and Ethereum, is recording impressive growth metrics in recent months. At the moment, RLUSD has a market capitalization of $140 million, rising by leaps and bounds.

Adoption rates for RLUSD have reached new highs with a 327% volume growth recorded over the last year. Furthermore, its cross-border payments capabilities put it in a prime position but it will have to stave off competition from Circle’s USDC following a string of regulatory victories in the Middle East.

Experts are tagging RLUSD as a regulatory-compliant stablecoin in the US, noting that the government’s decision to lean on the stablecoin will be “huge” for XRP. Higher RLUSD adoption will trigger an increased demand for XRP as the bridge asset, sending asset prices to new levels.

OCC Clears The Pathway For Increased  Adoption

The Office of the Comptroller of the Currency (OCC) has announced that financial institutions in the US can carry out stablecoin transactions. The OCC, via its Interpretive Letter 1183, confirmed the end of Operation Chokepoint 2.o, allowing banks adopt RLUSD for transactions.

The inclusion of XRP in the Crypto Strategic Reserve and Digital Asset Stockpile signals broader regulatory acceptance for the assets. A masterstroke for XRP will be the dismissal of the Ripple SEC case as whales gobble up large coin volumes.

Despite the optimism, XRP price has fallen by nearly 6% over the last day to trade at $2.33. Daily trading volume is also down by 38.34% but bulls continue to scan the horizon for a silver lining for XRP.

The post Will XRP Become The Cornerstone OF US Global Financial Policy? appeared first on CoinGape.

Crypto Scam Losses Soar 66% in 2024, Says FBI Report

Crypto Scam

The post Crypto Scam Losses Soar 66% in 2024, Says FBI Report appeared first on Coinpedia Fintech News

Crypto scams are getting worse in the U.S. A new report by the FBI’s Internet Crime Complaint Center (IC3) reveals that Americans lost $9.3 billion to crypto fraud in 2024 alone—a shocking 66% increase compared to the $5.6 billion lost in 2023.

With over 140,000 complaints filed last year, authorities are warning that the true extent of losses may be even higher due to underreporting and outdated reporting systems.

Seniors Are the Primary Targets

The report highlights that 33,000 of the complaints came from seniors aged 60 and above, who lost more than $2.8 billion. The FBI notes that scammers deliberately target elderly victims, exploiting their lack of familiarity with digital assets.

A major tactic? Crypto ATM scams. In 2024, at least 2,700 senior citizens were tricked into withdrawing money from their bank or retirement accounts and sending it via crypto ATMs, resulting in total losses of around $107 million.

Fake Investments Drive Most Losses

Another major driver of crypto scams: fake investment opportunities. The report reveals that Americans lost over $1.6 billion in 2024 to fraudulent schemes that promised high returns from nonexistent or high-risk crypto projects.

With scammers constantly evolving their methods, the FBI urges the public to stay alert, avoid unsolicited investment offers, and report suspicious crypto activity. The bottom line? If it sounds too good to be true, it probably is.

Never Miss a Beat in the Crypto World!

Stay ahead with breaking news, expert analysis, and real-time updates on the latest trends in Bitcoin, altcoins, DeFi, NFTs, and more.

The post Crypto Scam Losses Soar 66% in 2024, Says FBI Report appeared first on Coinpedia Fintech News
Crypto scams are getting worse in the U.S. A new report by the FBI’s Internet Crime Complaint Center (IC3) reveals that Americans lost $9.3 billion to crypto fraud in 2024 alone—a shocking 66% increase compared to the $5.6 billion lost in 2023. With over 140,000 complaints filed last year, authorities are warning that the true …

Banana Gun Price Rallies 44% After Major Selling, Profit Taking Still Likely

Banana (BANANA) has recently seen a price rally, gaining 44% as it attempts to break out of a descending wedge pattern. While this bullish setup suggests the potential for further gains, investors’ behavior could hinder the altcoin’s progress. 

Despite the price rise, many investors are reluctant to hold, potentially delaying the breakout.

Banana Gun Faces Selling

Over the past two weeks, the supply of Banana on exchanges has risen by 300,000 tokens, worth just under $5 million. This increase in selling pressure amounts to roughly 9% of the entire market cap, which stands at $55 million. The growing supply on exchanges is a direct result of the altcoin failing to sustain its recovery, pushing many investors to sell and lock in profits.

This increased selling activity points to a highly bearish sentiment surrounding Banana. The failure to recover has triggered a wave of profit-taking, further weighing on the price.

BANANA Supply On Exchanges
BANANA Supply On Exchanges. Source: Santiment

The overall macro momentum for Banana has been marked by a significant spike in active deposits over the past 24 hours, the highest since November 2024. This surge indicates that more Banana tokens are being offloaded, reflecting investor sentiment and profit-taking behavior. 

Unlike previous selling periods where investors sought to offset losses, this round of selling appears to be driven by those booking profits. This shift in behavior could signal further selling in the short term, particularly if the price stabilizes or continues to rise. 

BANANA Active Deposits
BANANA Active Deposits. Source: Santiment

BANANA Price Is Looking For A Gap

At the moment, Banana is trading at $15.95 after rising by 44% over the past day, sitting within a descending wedge pattern that typically signals bullish potential. However, despite this setup, the altcoin has struggled to break out in the last 24 hours, leaving its future uncertain.

If the current weak momentum and selling trends persist, Banana will likely test the lower trend line of the pattern. This could push the price down to $10.29, delaying any potential recovery and reinforcing the bearish outlook.

BANANA Price Analysis.
BANANA Price Analysis. Source: TradingView

On the other hand, if broader market conditions improve and investor sentiment shifts, Banana could see a breakout from the wedge pattern. Successfully breaching the $17.57 barrier would signal a reversal and could send the price towards $23.24. Such a move would invalidate the current bearish outlook and mark the beginning of a stronger upward trend for Banana.

The post Banana Gun Price Rallies 44% After Major Selling, Profit Taking Still Likely appeared first on BeInCrypto.