BTC and SOL Rally Stalls Post ETH Pump, Forcing Analysts to Debate What Penny Crypto to Buy Next for 2026 Gains

The crypto market is experiencing another familiar pattern: Bitcoin (BTC) and Solana (SOL) rallies have started to stall after Ethereum (ETH)’s latest push. While these giants continue to dominate headlines, analysts are questioning their near-term upside. Crypto prices for these larger networks show stability, but traders searching for aggressive 2026 gains are beginning to ask what penny crypto will outperform next. Increasingly, attention is turning toward Mutuum Finance (MUTM), a project gaining momentum with a mix of DeFi innovation, strong presale traction, and whale-level interest.

What makes MUTM stand out among other crypto coins is its ability to offer both immediate investor appeal and long-term functionality. With Ethereum (ETH) already carrying much of the market narrative, analysts say smaller tokens with disruptive features will have more room to deliver high multiples in the coming cycle.

Bitcoin (BTC) and Solana (SOL) paused their rallies after Ethereum (ETH) surged 6.0% to ~$4,650, as of September 2, 2025. BTC trades at ~$108,824, down 4.1% weekly, with a 24-hour trading volume of $45 billion, while SOL holds at ~$195, up 17% weekly, with $13.4 billion in volume. The stall follows $1 billion in liquidations across BTC ($450M) and ETH ($346.46M), driven by U.S. tariffs and Federal Reserve uncertainty. 

Technical indicators show BTC testing $108,000 support, RSI at 42, and SOL testing $188 support, RSI at 64. ETH’s rally, fueled by $341M in ETF inflows, outshone SOL’s 140% DEX volume spike and BTC’s $1.5B ETF inflows. Analysts project BTC at $116,713 and SOL at $225 if resistances clear, but drops below $108,000 and $188 risk $105,000 and $170, respectively.

Mutuum Finance (MUTM)

The conversation often starts with Mutuum Finance (MUTM)’s presale. Phase 6 is already live, priced at just $0.035 per token, and the project has generated around $15.3 million so far. Over 16,000 holders have joined, and 32% of this phase’s 170 million token allocation is already gone. With a 15% price jump ahead in Phase 7, investors are recognizing this as the last chance to secure discounted entry.

The project’s credibility has also been reinforced by a full CertiK audit. The Token Scan score sits at 95.00 and Skynet rating at 78.00, giving further confidence to early participants who are seeking safer opportunities in a crowded field. This blend of technical validation and surging demand is exactly the kind of setup that analysts often highlight before crypto charts reflect exponential growth.

Real Lending Utility Driving Interest

Utility remains the backbone of Mutuum Finance (MUTM). Its peer-to-collateral (P2C) lending system will allow borrowers to take out loans without losing exposure to their digital assets. For example, someone holding $10,000 worth of ETH will be able to borrow $8,000 in USDC at a 75% loan-to-value ratio. At the end of the term, they can repay the loan while maintaining their ETH exposure. On the lending side, users will be able to deploy assets such as BTC into the platform. Lending $12,000 worth of BTC at 7% APY will generate $840 annually, turning idle assets into steady yield.

Alongside this, Mutuum is preparing to launch Peer-to-Peer (P2P) lending. In this model, lenders and borrowers will interact directly, rather than drawing from shared liquidity pools. This setup will allow flexible loan terms, interest rates, and repayment schedules, while keeping the protocol’s reserves protected from volatile swings. Risk-adjusted rewards will make this option attractive to advanced traders looking for more control.

Incentives, Security, and Early Community

Security and adoption incentives are also being taken seriously. A $50,000 bug bounty has been announced, with critical findings paying up to $2,000. This ensures that vulnerabilities will be caught and resolved before wider release. In parallel, Mutuum Finance (MUTM) has rolled out a $100,000 giveaway to reward early believers, while its 12,000+ Twitter followers are helping expand visibility across retail and institutional circles.

The project’s design also emphasizes strong safety mechanics. Loan-to-value ratios and liquidation cushions are structured to maintain solvency in volatile environments, ensuring the platform will remain sustainable during swings in crypto prices. This blend of caution and innovation is exactly what experienced investors want to see.

From Presale Entry to $4 Debate

The investment comparison is what has caught the attention of analysts and whales. An early participant who swapped 5 ETH into Phase 1 at $0.01 already holds assets worth 3.5x more today at $0.035. At the time of listing, which is expected to start at $0.06, this same investment will already represent a 6x gain. Looking forward, the upcoming beta launch that will open Mutuum’s platform to real-world users, combined with anticipated listings on exchanges such as Binance, Coinbase, KuCoin, Kraken, and MEXC, is projected to push demand sharply higher.

These catalysts are why analysts are debating whether Mutuum Finance (MUTM) will be the next penny crypto to reach $4 by 2026. While BTC and SOL look strong for long-term stability, they no longer deliver the kind of aggressive upside traders are chasing. MUTM, with its presale traction, DeFi lending features, and buyback-and-distribute model, has already captured the narrative as the next high-growth contender.

Conclusion: Analysts Look Beyond Stalled Leaders

With Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) slowing after their rallies, attention has shifted toward projects capable of outperforming on a relative scale. Mutuum Finance (MUTM) is emerging as the penny crypto that fits this bill. Its mix of audited credibility, strong presale momentum, lending innovations, and roadmap execution has created the perfect setup for exponential growth. By 2026, analysts expect MUTM to not only reward early buyers but also reshape how DeFi tokens are valued in the next bull market.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance