Investors Are Adding This New Crypto Under $0.05 Alongside Bitcoin (BTC), Here's Why

Large investors often pair stability with growth. While they continue to hold core assets like Bitcoin (BTC), many are also adding smaller cryptocurrencies priced under $0.05. These positions are not meant to replace Bitcoin, but to complement it with higher upside potential. In early Q1 2026, this strategy is becoming more common. As Bitcoin consolidates, attention is turning to new crypto projects that are still early in development and trading at lower valuations. For investors, this mix offers balance between long-term security and exposure to future growth.

Bitcoin (BTC)

Bitcoin (BTC) continues to serve as the ultimate store of value and the primary entry point for global capital. As of late January 2026, Bitcoin is trading near $84,200, supported by a massive market capitalization of approximately $1.65 trillion. While Bitcoin's long-term dominance is undisputed, its massive size presents a unique challenge for those seeking massive percentage gains.
Because the market cap is already so large, it requires hundreds of billions of dollars in new buying pressure just to double the price. This lack of volatility compared to its early days has led many to view it as "digital gold" rather than a high-growth startup asset.

Technically, Bitcoin is currently navigating a period of consolidation after testing significant resistance zones. The area between $88,000 and $90,000 has proven to be a heavy psychological barrier where sellers have consistently stepped in to take profits.

Mutuum Finance (MUTM)

Mutuum Finance is positioning itself as a utility-focused option for Bitcoin holders who want more from their portfolios. The project is building a lending and borrowing platform designed to improve capital efficiency without relying on intermediaries. Its roadmap outlines a dual-market system intended to support different user needs once fully deployed.

The first planned market is Peer-to-Contract (P2C). Under this model, users would be able to supply assets into shared liquidity pools and receive mtTokens in return. These mtTokens are designed to act as interest-bearing receipts that increase in value as interest is generated by borrowers. For example, if a user were to supply $10,000 in USDT at a 12% APY, the mtTokens would be designed to reflect a value of $11,200 after one year.

The second planned market is Peer-to-Peer (P2P) lending. This model is intended to allow borrowers and lenders to set custom terms, such as interest rates and loan duration. Borrowing would be managed through a Loan-to-Value (LTV) framework. For instance, a user could pledge assets at a 75% LTV to borrow stablecoins without selling long-term holdings. Automated liquidation mechanisms are planned to protect lenders if collateral values fall too low, helping maintain overall system stability.

Presale Success and Institutional Safety

The market response to Mutuum Finance has been exceptional, with over $20.25 million raised so far. The project has already attracted more than 19,000 individual holders, which is a key signal of trust for large-scale participants. This wide distribution ensures that the protocol is owned by a diverse community rather than a few large entities.

Participation is currently managed through a structured presale that is in Phase 7. The token is priced at just $0.04, representing a 300% increase from its initial starting price of $0.01 in early 2025.

Security is the primary pillar of the Mutuum ecosystem. The project has successfully completed a full independent audit by Halborn Security, a firm famous for reviewing high-stakes DeFi contracts. Even though the official launch price is set at $0.06, several analysts believe MUTM could surge up to $0.20-$0.30 as long as the roadmap unfolds as planned and expected.

V1 Activation and Future Scaling

A key milestone was reached with the activation of the V1 protocol on the Sepolia testnet. This step shows that the project has moved beyond theory and into live testing. Users can now explore the core lending system in a risk-free environment using test assets.

The V1 testnet supports USDT, ETH, WBTC, and LINK. Users can interact with liquidity pools, see how mtTokens are issued for supplied assets, and track borrowed positions through debt tokens. The interface also displays health and stability factors, which are designed to show collateral safety and borrowing risk in real time. These tools give a clear view of how the protocol is intended to manage risk once fully deployed.

Looking ahead, the roadmap outlines plans for a native over-collateralized stablecoin. This feature is still under development and is intended to be backed by protocol activity, adding another layer of utility to the system.

With the V1 protocol live on testnet and security audits completed, interest in the current presale phase has increased. The token is priced at $0.04 in Phase 7, with an official launch price set at $0.06. As development continues toward mainnet, Mutuum Finance is being closely watched by investors who prefer cheap crypto opportunities ahead of Q2 2026.

For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

About Mutuum Finance

Mutuum Finance (MUTM) is an Ethereum-based, non-custodial decentralized finance (DeFi) protocol designed for lending and borrowing digital assets without intermediaries.

Contact Information
J. Weir
Contact@mutuum.com

This release was published on openPR.