Analysts Bet on $0.04 Token as the Next Crypto to Hit $1, Leaving Cardano (ADA) Behind

Forget the usual suspects—a dark horse at four cents is pulling ahead in the race to a dollar.

Market watchers are shifting their gaze from established names to an under-the-radar asset. The thesis is simple: massive upside potential from its current micro-cap price point. While Cardano continues its methodical development, this contender represents a different kind of gamble—one with a steeper, faster trajectory.

The Math of the Moonshot

A jump from $0.04 to $1 isn't just growth; it's a 25x explosion. That kind of return makes institutional yield-chasing look like a savings account. It's the siren song of crypto: parabolic moves that rewrite portfolios overnight. The analysts leaning in here aren't looking for incremental gains; they're hunting a unicorn in the wild.

Why Not ADA?

Cardano's strength—its peer-reviewed, deliberate pace—is also its limitation for this specific bet. Reaching a dollar from its current price requires a much larger total market cap expansion. The four-cent token, however, has runway. It's a play on pure, unfiltered multiplier effect, where every fraction of a cent gain translates to a double-digit percentage return. It's finance, stripped back to its most speculative core.

The final word? In a market that rewards narratives as much as technology, the next big story might not come from the top ten. It could be brewing for pennies. Just remember, for every asset that goes 25x, a dozen quietly fade to zero—but try telling that to someone counting their hypothetical millions.

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