As 2026 begins, investors are looking for the best cryptos to buy now amid changing market trends. Ripple (XRP) ended 2025 with key wins like settling its SEC case for $50 million and launching spot ETFs that attracted $1.1 billion in inflows, but its price remained below $3.66. Analysts predict a possible breakout above $3 by mid-2026 if network activity rebounds, but declining on-chain usage raises doubts.
In the meantime, Mutuum Finance (MUTM)a booming DeFi token, offers new appeal with its lending platform about to launch. For small investors, a $200 stake at the current pre-sale price could increase 25x within 12 weeks of launch, turning it into $5,000 as adoption of the protocol grows, making it one of the best cryptos to buy now for high returns.
The way forward for XRP
Ripple (XRP) has overcome major obstacles in 2025, but challenges persist. The SEC settlement removed regulatory barriers, allowing US banks to engage freely, which briefly pushed XRP past $3.30. However, the rally faded, with prices falling to $1.80 amid market consolidation. Spot ETFs from companies like Bitwise saw no outflows and built $1.1 billion in assets, reducing exchange supply by 45%. This setup portends a supply squeeze that could drive XRP towards $3.10 by Q2 2026 if retail demand returns.
Still, network activity fell from 600,000 daily users in March to 38,500 by the end of the year, reflecting low real-world usage. Unlike Mutuum Finance (MUTM), which ties value to revenue from active protocols, XRP relies more on speculation and hype, lacking built-in mechanisms for sustainable growth. This makes XRP less attractive as one of the best cryptos to buy right now, as its fundamentals appear weaker without consistent utility demand.
Mutuum Finance emerges
Mutuum Finance (MUTM) stands out as one of the best cryptos to buy right now, with its Phase 7 presale selling out quickly. The project has raised $19,600,000 since its launch, attracting 18,650 holders. At the current price of $0.04, this represents a 300% increase from the Phase 1 price of $0.01, rewarding early buyers handsomely.
Phase 7 offers the last chance to obtain tokens at this price. Imagine buying for $150 now. With strong post-launch demand, it could quickly grow by 2,400%, fueled by increasing adoption. Analysts expect this adoption to propel MUTM past $1.50 during the next bull run, thanks to fundamentals such as multi-chain expansion and CEX listings, similar to how SOL rose from $0.5 in pre-selling to $256 during its first bull run.
This urgency creates real FOMO for those on the margins. With over 800 million tokens already sold out of the 1.82 billion presale allocation, supply is tightening daily. Missing phase 7 means paying later, because the staged model creates organic demand without hype. To boost engagement, Mutuum Finance is hosting a 24-hour leaderboard reset at 00:00 UTC, where the top daily depositor wins $500 in MUTM. Additionally, a $100,000 gift will share $10,000 each among 10 winners.
The recently Halborn Security Completion of the audit underlines security. Industry data shows that more than 40% of unaudited projects fail due to exploits, but Mutuum incorporated all the feedback from the audit, preparing its project. Protocol V1 for the debut of the Sepolia testnet.
MUTM’s purchasing and distribution model further enhances its appeal. Protocol fees purchase MUTM on open markets and redistribute them to mtToken shareholders in the form of passive dividends. This creates buying pressure, reduces the circulating supply, and rewards holders with additional tokens. Investors benefit from ecosystem growth that could turn as little as $100 into ongoing returns. Compared to XRP’s hyped moves, MUTM’s utility-focused approach positions it as the best crypto to buy now for real, compounding returns. As MUTM gains traction, 2026 could reward those considering the best cryptos to buy now with strong fundamentals over speculation.
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