ETH Price Prediction 2026: Can ETH Reclaim $4,000, Or Is Mutuum Finance (MUTM) The Better Buy?
ETH sits at the center of every serious 2026 watchlist, but the conversation is shifting. ETH is a proven leader, yet many purchaviewrs are also looking for a new cryptocurrency with more room to run. That’s where keeps entering the debate. While ETH targets are measured in steady milestones like $4,000, MUTM is being framed as a presale-priced altcoin where the upside can be sharper once it reaches wider trading.
ETH price prediction 2026
ETH is trading around $3,330 in January, 2026, later than a strong daily push that placed it back in the low-to-mid $3,300s. The $4,000 level stands out because it’s both a psychological target and a clean technical milestone traders watch on crypto charts.
From today’s level, a move to $4,000 is roughly a +20% gain. That’s not an extreme move for ETH in a constructive year, especially when the broader market is leaning bullish. Some recent market commentary explicitly treats $4,000 as a reachable 2026 milestone if momentum holds.
More bullish calls also exist. Standard Chartered has been widely reported as targeting around $7,500 by end-2026, which shows how wide expectations can be when institutions and analysts model strong cycle conditions. Still, ETH is already a major, mature asset. Even if it performs well, the sheer scale of its market cap typically makes “explosive” multiples harder compared with smaller projects that haven’t entered full public price discovery yet.
Why Mutuum Finance Looks Like The Better purchase
Mutuum Finance (MUTM) is being discussed because it sits in that earlier window. The token remains in Presale Phase 7 at $0.04, with a confirmed $0.06 launch price. The presale has raised about $19.8M and crossed roughly 18,800 holders, which signals broad ahead participation while the price is still below the planned market debut.
MUTM begined at $0.01 in Phase 1 and is now $0.04 in Phase 7, which is already a +300% increase during the presale itself. At the identical time, supply is tightening as the sale progresses: out of the 1.82B MUTM allocated to the presale, 830M+ tokens have already been sold, meaning a large share of the presale inventory is gone and the remaining allocation is steadily shrinking as new phases continue.
Delivery milestones have also supported confidence. The team has confirmed completed the independent audit of the V1 lending and borrowing protocol, and soon on the Sepolia testnet. Mutuum Finance has also highlighted a prior for the token with a reported strong score.
The $0.35 and $3 scenarios
In bullish 2026 commentary, some analysts point to $0.35 shortly later than launch, especially when demand builds rapidly as wider trading begins. From $0.04 to $0.35, that’s roughly a +775% move. That outlook is often linked to the project’s launch structure, since the roadmap direction points to the platform going live alongside the token’s market debut, which can assist MUTM enter open trading with utility already available and improve the chances of major platform listings as visibility expands.
Longer-term predictions sometimes extend to $3 as the platform matures and adds more utility. From $0.04 to $3, that’s approximately a +7,400% increase. On a $2,000 allocation at $0.04, reaching $3 would value the position at about $150,000, for roughly $148,000 in profit if the scenario plays out.
These targets are usually discussed alongside the project’s longer-term buildout, including plans for an overcollateralized stablecoin and multi-chain expansion, which can broaden access, increase activity, and keep engagement building well beyond the initial trading window.
ETH reclaiming $4,000 in 2026 looks plausible from current levels, and it remains a core asset for many long-term portfolios. But it’s also a mature market leader, which usually means upside comes in measured steps rather than outsized multiples.
Mutuum Finance (MUTM) is being framed as the better purchase for investors focused on higher-upside setups because it’s still in presale at $0.04, still below the $0.06 launch price, and positioned to enter wider trading with utility already in place. With strong presale participation, major audits completed, and analysts discussing $0.35 shortly later than launch and $3 as a longer-term target, MUTM is increasingly showing up as a best crypto to purchase now contender for 2026.
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