3 Best Crypto to Buy Now for Long-Term Portfolio

Navigating the crypto market requires assets with resilient fundamentals. While established names face significant headwinds, new projects with tangible utility and structured growth plans offer shelter. Ethereum grapples with substantial institutional selling, and Cardano contends with persistent whale distribution, casting doubt on their near-term stability. 

In contrast, Mutuum Finance (MUTM) presents a calculated entry into high-yield DeFi, combining a successful presale with a live protocol. For investors, this represents an opportunity to get the best crypto to buy now before exchange listings catalyze its next growth phase. A modest investment today, such as $250, could see transformative returns, potentially multiplying 24x as the project gains broader market adoption.

Ethereum Confronts Sustained Selling Pressure

The continued liquidation of positions by big holders will keep pressure on Ethereum’s price. Analytics show that entities such as Trend Research, have transferred billions of dollars’ worth of ETH into exchanges, which indicates the continuing withdrawal of institutions from the ecosystem. This follows a loss of billions of dollars through failed multi-billion dollar leveraged long positions which have resulted in forced liquidations and eroded confidence in the market.

Although some of the founders of these projects are optimistic about the long term, in the immediate-term, the massive portfolio adjustments meant to mitigate risk are creating a heavily saturated sell-side market. For portfolio builders trying to find stability in a highly volatile environment of significant amounts of distribution, as well as the large number of unrealized losses being held by the largest treasury holders in the ecosystem creates a great deal of uncertainty and it is likely that an ETH will be more of a speculative asset than a reliable barometer of value during a time of significant market distress.

Cardano's Recovery Hampered by Whale Activity

Although Cardano (ADA) is seeing early signs of a stabilization from a previous week of steep declines, it faces challenges in fully recovering. On-chain metrics illustrate that whales with between 10M-100M ADA have sold off 180M tokens in recent weeks, thereby providing increasing downward pressure on the price. Additionally, derivative metrics show that open interest on major exchanges has been declining to multi-month lows and that funding rates have turned negative, indicating declining participation and an ever-growing tendency toward shorting cardano. Technical indicators may imply that there is decreasing bearish momentum in the background; however, large volume sellers create a large limit to short-term price rebounds and therefore place cardano at a position as a DeFi cryptocurrency with limited upside potential in a recession-proofing strategy.

Mutuum Finance's Presale Momentum and Tangible Utility

Mutuum Finance stands apart with its demonstrated traction and concrete protocol development. The project has raised over $20,400,000 from 18,980 holders, evidencing robust demand. Currently in Phase 7 at $0.04, a 300% increase from its $0.01 Phase 1 price, the presale is selling out rapidly. This is the final chance to acquire MUTM at this level; Phase 8 will launch at $0.045, almost 20% higher for an investor who misses phase 7 entry.

For a potential investor, acting now is critical. For instance, a $100 investment at the current price could grow to $2,400 should the token achieve its post-listing analyst targets, showcasing why it's considered the best cryptocurrency to invest in. Analysts point to strong presale momentum as a strong indicator for the token’s 24x growth potential. 

Dual-Market Lending for Passive Income Generation

The core utility lies in Mutuum's live lending protocol on the Sepolia testnet. The testnet features key Mutuum Finance (MUTM) features, among them lending (Peer-to-Contract), borrowing, and staking. With P2C lending, lenders deposit funds into a common lending pool where borrowers can access them as loans. 

When a P2C pool gets a $10,000 loan from an ETH lender, it can expect to earn about $1,000 or 10% annualized interest without liquidating its ETH holdings. In turn, for borrowers it provides the same ETH can be used as over-collateralized assets in order to secure a loan of $7,500 at a loan-to-value (LTV) ratio of 75% to meet the borrower's liquidity needs directly. This functional ecosystem creates value and demand for the MUTM token.

Sustainable Tokenomics and Shareholder Rewards

Mutuum's tokenomics are engineered for long-term value appreciation. With a fixed supply of 4 billion tokens and 45% allocated to the presale, scarcity is built-in. Beyond capital gains, the protocol employs a buy-and-redistribute model, using a portion of fee revenue to purchase MUTM on the open market and distribute it to mtToken stakers.

This creates a powerful feedback loop: as protocol usage grows, so does the revenue for token buybacks, effectively paying dividends to long-term stakers. This mechanism provides a continuous yield stream on top of asset lending returns, a feature absent in many crypto projects reliant solely on speculation.

A Conclusive Case for Strategic Allocation

Mutuum Finance transcends the hype-driven narrative common to many new crypto projects. It offers a recession-resistant package: a presale with clear, immediate upside, a fully audited and testnet-proven protocol generating real yield, and a tokenomic model that rewards holders directly from ecosystem growth. While ETH and ADA navigate significant sell-offs and weakened momentum, MUTM provides a foundation of security, utility, and structured growth. Investors building a robust portfolio should strongly consider this best cryptocurrency to invest in for its unique convergence of early-stage opportunity and developed-platform functionality.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance