Cardano (ADA) has had many moments where momentum seemed ready to turn, but the $1 level continues to act as a cap. Although ADA remains a widely followed large-cap company, a growing number of investors are also following Mutuum Finance (MUTM) as it is still early in its market entry window, priced at $0.04 in presale and positioned to enter a broader trade with utility available early on.
Cardano price action still stalls below $1
ADA is trading around $0.42. This price level has kept Cardano in a familiar zone that many traders recognize: active interest, periodic bounces, but difficulty sustaining a breakout into higher ranges.
The reason why $1 continues to rise is simple: Cardano has spent most of the post-2021 period below $1, with only short-lived spikes during stronger market surges. This is a level that tends to attract attention on crypto charts, as crossing it often signals a change in confidence.
When could Cardano reach $1 again?
Most forecast outlooks for ADA in 2026 lean towards sub-$1 ranges, with bullish scenarios typically requiring stronger market backdrop to push the token back towards this psychological line. Some commentary sees $1 as the key resistance area, suggesting that a clear move above this level would likely require greater market strength and sustained demand.
In other words, ADA’s dollar recovery is still on many watch lists, but it’s generally treated as something that happens when the market gives it room, rather than something that easily happens on its own.
Why Investors Follow Mutuum Finance (MUTM)
Mutuum Finance is being watched for a different reason: its price is still considered an early-stage opportunity, but it is built with direct utility behind the token. MUTM is currently in presale stage 7 at $0.04, with a confirmed launch price of $0.06. The presale raised $19.75 million and exceeded over 18,800 holders, with over 830 million tokens sold, a large portion of the $1.82 billion presale allocation.
This early participation is important because it shows that demand is increasing before broader trading begins. And with the price still below the introductory level of $0.06, the current phase is widely seen as a discounted entry while the token has yet to reach full public price discovery.
Mutuum Finance is also designed to be easy to understand for everyday DeFi users. On the lending side, assets are provided in pooled markets where interest rates adjust based on demand, so yields can increase when borrowing activity increases. On the borrowing side, users can unlock liquidity without selling, which can be useful when the priority is to hold a primary position but capital is needed for other opportunities or expenses.
The protocol supports two market styles. P2C pooled markets are designed for simple lending and borrowing with shared liquidity, while P2P markets allow lenders and borrowers to agree on personalized terms such as rate and duration. This structure is also intended to support higher volatility assets in the P2P framework, including meme coins like SHIB, DOGE or PEPE, while keeping the pooled side focused on a more standard loan application.
Depositors receive mtTokens that represent their position in the pool, and mtToken holders can stake to receive MUTM rewards via the protocol’s planned buy-and-distribute approach, where a portion of the platform’s revenue purchases MUTM on the open market and distributes it to mtToken stakers.
On the delivery side, the team confirmed HalbornSecurity carried out the independent audit of the V1 lending and borrowing protocol, and V1 is getting ready to launch soon on the Sepolia testnet. The initial rollout is expected to focus on ETH and USDT, with core components including Liquidity Pool, mtToken, Debt Token, and Liquidator Bot. Mutuum Finance also highlighted a Certified token review, with a score of 90/100 Token Scan.
The case for $1 for MUTM in 2026
The $1 outlook for MUTM is closely related to how the project plans to enter the market. The roadmap states that the token will debut alongside the platform, so MUTM is expected to launch broader exchanges with real utility available from day one. This structure can help demand grow faster, as interest can come from both market participants following a new listing and users actively using the protocol. This also strengthens the chances of landing on major exchanges, as broader listings are more likely when a token arrives with clear utility and strong early participation already in place.
Beyond the initial rollout, the long-term utility plan adds another layer to the $1 discussion. The team described the development of an overcollateralized stablecoin, issued against collateral inside the protocol, which can expand borrowing use cases and sustain more activity across the platform. At the same time, multi-chain expansion is planned to broaden access beyond a single network and attract users from other ecosystems. As these additions come live, they will be able to deepen platform usage, strengthen retention, and support the conditions under which many analysts connect with MUTM to reach $1 in 2026.
When MUTM hits $1 in 2026, it would represent a move from $0.04 to $1.00, or approximately +2,400%. On a simple investment example, a $1,500 entry at $0.04, rising to $1.00, would become $37,500, for approximately $36,000 in profit.
Cardano remains a major name, but the $1 barrier has proven tenacious since the post-2021 cooldown, and most forecasts view a sustained move above that barrier as something that will likely require stronger market conditions.
Mutuum Finance is being followed because it is still early, still discounted at $0.04, and positioned to enter broader trades with utilities already online. With strong pre-sale participation, completed audits, and a roadmap that aligns platform availability with the token’s debut, MUTM is increasingly seen as the best cheap cryptocurrency opportunity to buy now for investors targeting a potential $1 move in 2026.
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