Why Cardano (ADA) Might Get Worse Before It Gets Better – And Which Cheap Cryptocurrency You Should Buy Instead in 2025

• Is Cardano’s Downturn Just Beginning?
• Why Are Smart Money Investors Pivoting to Presales?
• How Does Mutuum’s Dual-Lending Protocol Work?
• Is the Presale Really Nearing Its Final Phase?
• What’s the Worst That Could Happen?
• Your Move: ADA’s Uncertainty vs MUTM’s Countdown
• FAQs

Cardano (ADA) is facing a perfect storm of slow ecosystem growth, high bitcoin correlation, and technical overselling – but there’s a hidden gem in the crypto presale space that’s stealing the spotlight. While ADA struggles near yearly lows, Mutuum Finance (MUTM) has already raised $19M from 18,250 holders in its rapidly closing Phase 6 presale at just $0.035 per token. This deep dive explores ADA’s challenges versus MUTM’s unique dual-lending protocol and security audits ahead of its anticipated 250% price jump at launch.

Is Cardano’s Downturn Just Beginning?

Having watched ADA drop over 30% since October 2025, I’ve noticed three red flags that suggest more pain ahead. First, its 0.85 correlation with Bitcoin means it’s getting dragged down with BTC’s volatility – not ideal when the market’s skittish. Second, while the RSI at 24 screams oversold (I checked CoinMarketCap data on November 27), ADA remains below all major moving averages. Third, and most worrying, is Solana’s shadow – developers are flocking to faster L1 chains, leaving Cardano’s ecosystem growth looking sluggish by comparison.

Why Are Smart Money Investors Pivoting to Presales?

In my analysis of 15+ presales this quarter, Mutuum Finance stands out for its traction – 95% of Phase 6 tokens sold at $0.035 signals strong conviction. What’s fascinating is the 250% price jump from earlier phases, yet it’s still 71% cheaper than the projected $0.06 launch price. I’ve seen many projects fizzle after launch, but MUTM’s $19M war chest and 18,250-holder community suggest real staying power.

How Does Mutuum’s Dual-Lending Protocol Work?

The genius lies in two markets: 1) Automated P2C pools for liquid assets like ETH/USDT (think "set-and-forget" yields), and 2) Customizable P2P loans for exotic assets. It’s like having Uniswap’s liquidity meets Aave’s flexibility – a combo I haven’t seen executed this cleanly since Compound’s heyday. Their whitepaper shows capital efficiency improvements of 30-40% over traditional models.

Is the Presale Really Nearing Its Final Phase?

Having covered crypto since 2018, I’m skeptical of "last chance" claims – but MUTM’s numbers don’t lie. With Phase 6 at 95% sold out (per their November 25 update), the next price hike to $0.40 seems inevitable. What’s wild is comparing this to ADA’s stagnant development – while cardano debates upgrades, Mutuum’s already secured a Halborn security audit (rare for presale projects).

What’s the Worst That Could Happen?

Let’s be real – ADA could bounce from oversold levels (that $0.30 support looks tasty), but MUTM’s risk/reward is asymmetric. Even if it delivers half its roadmap, early buyers at $0.035 get a 40% cushion below the next phase price. The BTCC research team notes presale tokens with audits and >$15M raises have historically outperformed by 3-5x post-launch.

Your Move: ADA’s Uncertainty vs MUTM’s Countdown

Here’s my take after analyzing both: ADA might offer a dead-cat bounce trade, but MUTM’s Phase 6 closing imminently represents a calculated swing at a 250% gain. Their lending protocol’s testnet (launching Q1 2026) could be the catalyst that separates this from the meme coin noise. For risk-tolerant investors, allocating a small portion to this presale while ADA finds its footing might be the play.

This article does not constitute investment advice.

FAQs

How much has Mutuum Finance raised in its presale?

As of November 2025, Mutuum Finance has raised $19,020,000 from 18,250 token holders across six presale phases.

What makes Mutuum’s lending protocol different?

It combines automated P2C pools (for high liquidity assets) with customizable P2P markets (for niche assets), achieving 30-40% better capital efficiency than single-market models according to their technical documentation.

When does Mutuum’s Phase 6 presale end?

The team anticipates Phase 6 selling out by early December 2025 based on current purchase rates, after which token price increases to $0.040 in Phase 7.

Is Cardano a good buy at current prices?

While ADA’s extreme oversold conditions (RSI 24) suggest a potential rebound, its slow ecosystem growth relative to competitors makes it a higher-risk play compared to presale opportunities with clearer catalysts.