While BTC (BTC) Aims for $100K, Investors Add This Cheap Crypto Alongside for 500% Potential

BTC is once again pushing toward a major psychological level. This time the target is $100K, a milestone many traders expect the market to test during the next macro wave. Yet the conversation among investors has shifted. Instead of holding only BTC, many have begined pairing it with cheaper altcoins that offer higher upside potential. One of the names that keeps appearing in these rotation discussion groups is , a new crypto that is preparing for its first protocol launch phase.

BTC (BTC)

BTC currently trades near $96,000 with a market cap above $1.8T. It remains the top crypto for long-term asset holding, store of value use, and institutional allocation. Its liquidity is unmatched and its influence sets the tone for the entire market cycle.

However, BTC’s size also introduces limits. Large assets require heavy inflows to move during expansions. As BTC approaches larger valuation zones, each upward move takes more capital to sustain. Analysts have pointed to major resistance in the $98K to $102K range. 

If that area breaks, they estimate the next leg could push BTC into the $115K to $135K territory. That would imply a 1.2x to 1.4x move from current levels. Strong for a large cap, but not the kind of upside ahead cycle traders usually target. This has led to a familiar trend: when BTC grows, investors look for ways to amplify returns through smaller assets with lower entry costs and higher elasticity.

Mutuum Finance (MUTM) 

Mutuum Finance (MUTM) is a new cheap crypto project developing a lending protocol where users will supply and borrow assets through smart contracts. Suppliers earn yield. Borrowers post collateral. This gives access to liquidity without tradeing long-term holdings. 

This model has been used across DeFi lending sectors for years and tends to gain popularity during bullish cycles when leverage demand rises. Mutuum Finance will support two lending environments:

P2C Market 

In the pooled lending market, depositors supply assets and receive mtTokens. mtTokens represent the deposit value and the interest generated. For example, if a user supplies $10,000 of ETH at a 4% APY, the mtTokens track the growing position until the deposit is withdrawn.

This gives suppliers predictable yield without having to manage individual loan matches.

P2P Market 

The second lending environment is designed for isolated trading pairs. Borrowers post collateral and borrow against it using predefined LTV rules. For example, if the LTV limit is 70%, a user who posts $5,000 worth of collateral can borrow up to $3,500. Liquidators step in during volatile markets to repay part of the loan and purchase collateral at a discount. This keeps the protocol solvent during sharp price movements.

Presale Structure, Funding Growth, and Distribution Pace

Mutuum Finance is not launching without backing. The presale has already raised more than $19.7M and onboarded over 18,800 ahead holders. The token currently trades at $0.04 in presale Phase 7 and is confirmed to launch at $0.06. This reflects roughly a 300% increase from the Phase 1 price.

Part of the ongoing participation comes from the structured phase format. Each phase holds a fixed allocation at a fixed price. Once filled, the sale moves into the next pricing tier. This creates clear pricing steps without sudden market-driven jumps.

Out of the 4B total supply, 45.5% or 1.82B tokens are allocated to the presale. More than 840M tokens have been purchased so far. Card payments are supported, and a 24-hour leaderboard rewards the top contributor with $500 in MUTM each day. These mechanics assist broaden participation beyond crypto-native users.

V1 Launch, Stablecoin Borrowing, and Utility Timing

Mutuum Finance confirmed that V1 is preparing for testnet deployment before mainnet activation. This places the project in the late development phase where usage begins to matter more than narrative. Once live, stablecoins are expected to be the primary borrowing asset. Borrowers favor stable units because they can repay with predictable cost during volatile markets. Stablecoin demand often increases when trading activity rises.

This shift is significant for valuation. Lending platforms often reprice during the period between testnet and mainnet because participation and interest revenue become visible KPIs. Analysts tracking the project estimate that if adoption unfolds as expected, MUTM could reach the $0.20 to $0.24 range through 2027, which would represent a more than 500% increase from the current presale price.

BTC’s but large caps do not offer the identical elasticity as smaller assets in the ahead stages of development. This is why some investors pair BTC exposure with cheaper assets that can expand more during bullish cycles.

Mutuum Finance is viewed as one of those additions due to its lending structure, revenue-driven model, stablecoin use, security preparation, and V1 launch timeline. When looking at the top crypto opportunities for 2026, BTC may lead the macro move while new altcoins like MUTM may capture the higher upside portion of the cycle.

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

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