Why Smart Investors Are Skipping Cardano (ADA) in 2026 – Here Are the Top Cryptocurrencies They’re Buying Instead

• Cardano (ADA): Weakness Amid Selling Pressure
• Why Mutuum Finance (MUTM) Is Gaining Traction
• Risk Controls: How MUTM Protects Users
• Access Liquidity Without Selling Your Assets
• Final Thoughts: Is MUTM the Next ADA?
• Q&A: Your Mutuum Finance Questions Answered

While cardano (ADA) has been stuck in a sideways trend with high volatility in recent years, savvy investors are turning their attention to early-stage alternatives with explosive growth potential. Enter Mutuum Finance (MUTM), currently in Phase 7 of its presale at just $0.04 per token—positioning itself as one of the top cryptocurrencies to watch this year. Unlike ADA, which faces maturity-driven growth limitations, MUTM focuses on decentralized lending and borrowing, offering a fresh opportunity for those seeking high-risk, high-reward plays in DeFi. Below, we break down why MUTM could be the next big thing and how it stacks up against ADA.

Cardano (ADA): Weakness Amid Selling Pressure

Cardano (ADA) is struggling to regain momentum, with its price hovering between support at $0.41 and resistance NEAR $0.50. Although ADA remains above its 20-day EMA of $0.39, the wide gap between these levels makes it a less attractive gamble for risk-tolerant traders. A drop below key averages could trigger a further decline toward $0.33, pushing investors toward alternatives like Mutuum Finance (MUTM). According to CoinMarketCap data, ADA’s trading volume has stagnated, while newer DeFi projects are capturing market interest.

Why Mutuum Finance (MUTM) Is Gaining Traction

Mutuum Finance’s presale is drawing attention for its structured growth phases. Phase 7 offers tokens at $0.04—a steal before the price jumps to $0.045 in Phase 8. Early investors stand to gain significantly: a $5,000 investment at the current rate could grow to $7,500 by launch ($0.06), and if MUTM mirrors past DeFi successes, that same investment might balloon to over $50,000. With nearly $20 million raised already, MUTM is shaping up to be a dark horse for 2026.

Risk Controls: How MUTM Protects Users

Mutuum Finance employs robust safeguards like Loan-to-Value (LTV) ratios and liquidation triggers. For example, a borrower depositing 1 ETH ($3,000) can borrow up to $2,250 (75% LTV). If the collateral value drops, triggering a 70% LTV threshold, the position is liquidated to protect lenders. These mechanisms minimize defaults, making MUTM a safer bet in volatile markets.

Access Liquidity Without Selling Your Assets

MUTM’s "Borrow" feature lets users leverage holdings without selling. Deposit $10,000 in ETH, borrow $6,500 in USDC, and keep your ETH—ideal for long-term holders. Rates range from 7–10% annually, with peer-to-peer options for niche assets. Repay the loan (e.g., $6,500 + $325 interest) to reclaim full collateral control.

Final Thoughts: Is MUTM the Next ADA?

While ADA remains a large-cap stalwart, its growth potential pales next to MUTM’s early-stage upside. For investors eyeing 2026’s breakout stars, Mutuum Finance’s presale offers a rare low-entry opportunity. Just remember: This article does not constitute investment advice.

Q&A: Your Mutuum Finance Questions Answered

What’s the current price of MUTM in its presale?

As of Phase 7, MUTM tokens are priced at $0.04, rising to $0.045 in Phase 8.

How does MUTM’s LTV system work?

It limits borrowing to a percentage of collateral value (e.g., 75% of your ETH’s worth) to mitigate risk.

Where can I buy MUTM?

Visit Mutuum Finance’s official website or check BTCC exchange for future listings.