Ripple has seen swift gains since the beginning of 2026, with XRP briefly reaching the $2.3 area on the back of a strong market advance. The move was fueled by increasingly positive sentiment about US legislation on cryptocurrencies and ongoing inflows into XRP spot ETFs. Volatility remains high, however.
News out of the US Senate about the Market Structure Bill led to profit-taking after the rally, highlighting how XRP will continue to be at the mercy of political and judicial news for a while longer. As the price nears $2.5 and beyond, many seekers of the best cryptocurrency to buy now are turning attention to a new token in the vicinity of $0.04 offering significantly higher upside potential.
XRP Rally Faces Resistance
XRP has moved further on headlines than on consolidated, organized growth. The asset was up about 15% after initial development on US cryptocurrency laws, only to retreat after legislators developed cold feet over expanding regulatory purview. Bulls continue to defend the $2 level, but risks persist.
Moving from $2.30 to $3 would represent less than a $1 profit per coin, which, for smaller investors looking to maximize returns, minimizes the gains that can be achieved. In this environment, traders looking at what cryptocurrency to buy now are delving deeper than large-cap assets. While XRP as an asset remains important, due to its scale and political factors, the near-term potential for profits is more muted compared with the cheapest cryptocurrency to buy now.
Presale Growth at $0.04
Mutuum Finance is a novel cryptocurrency, which is relevant due to its rising stability. The project has been able to raise $19,800,000 in funds since the presale started and claimed 18,820 holders. Phase 7 is in operation and is selling well at the price of $0.04 per unit. Its price has already risen nearly 300% from the first stage costing $0.01. Phase 8 will be at $0.045 where buyers who paid $0.04 will be offered an opportunity to gain early value.
The present value of a 200-dollar investment would allow the investment to provide 5,000 tokens. Assuming that the price increases 30 times within 90 days this will be equivalent to $6,000. This high potential makes Mutuum one of the best cryptocurrencies to purchase at the moment.
Mutuum Finance is also introducing a lending platform that will enable individuals to make income without selling their properties. A user is able to provide $4,000 in stablecoins and earn 12% per year, which is approximately $480 within a twelve month time period.
On the other hand, a borrower can access a loan of $4,200 with a $6000 collateral on an asset like Ethereum at a 70% loan-to-value ratio, which meets their expenses without the necessity to sell the ETH.
Rewards and Supply Management
The supply of tokens is 4 billion with 45% being in the presale. The number of the sold tokens exceeds 850 million. Mutuum protocol will do buybacks and allocate rewards. Part of the protocol revenue will be allocated to repurchasing tokens on the market and re-distributing them to stakers. An individual who has staked $5000 in Mutuum Finance’s safety module, would for instance be awarded $500 in additional MUTM, a model that awards long-term commitment to the project.
Security & Transparency Indicators
To further bolster interest, security and transparency have been improved. An independent audit by Halborn Security has been completed, with the team implementing all recommendations in preparation for the release. Industry insiders report that many DeFi projects which failed did not pass audits, making this relevant.
Mutuum has also introduced a dashboard complete with a top-50 holder leaderboard along with a $500 MUTM bonus for the top daily MUTM buyer. These are just some of the improvements to ensure ongoing activity and growth.
XRP has the potential to reach $3 or higher if the legislative developments go its way, but upside seems limited for new entrants. With a more favorable entry point, explicit mechanisms for rewarding holders, and better growth economics, Mutuum Finance ranks as one of the best cryptocurrencies to buy now and, in particular, the best affordable option to consider as 2026 progresses, at $0.04 in Phase 7.