When markets reach a new stage, investors will always question where to invest. As Bitcoin and Ethereum take up a large portion of the limelight, it is common among analysts to find altcoins with more favorable relative upside.
To the investor looking into the top crypto to put money into with an investment of $750, analysts are pointing at a blend of both existing giants and an emerging player that can bring in the early mover and the potential of a real protocol. This combination will be used to create the balance between stability and growth opportunity as we head into early 2026.
Bitcoin (BTC)
Bitcoin is the most widely known digital asset. It is currently trading at approximately $96,000, and the market cap of the company is about $1.85T. BTC is a core of the crypto ecosystem and tends to dominate sentiment throughout significant market cycles. It has a great volume, indicating profound liquidity and institutional desire, which smaller assets are yet to possess.
However, there are areas where Bitcoin can be opposed to slacking its steps. The major areas of concern where traders tend to look at the price action of the market include the price ranges of $99,000 and $110,000.
These areas may serve as fences until such a point that there is volume that can definitively break through them. These trends imply that BTC cannot generate as high percentages as a growth driver as the investor who wants higher profitability might prefer.
Ethereum (ETH)
Ethereum, the second biggest crypto, trades close to $3,300, with a market cap of approximately $400B. The utility layer of decentralized finance and tokens of ETH contributed to the previous cycles. Premature holders have enjoyed numerous waves of adoption and protocol utilization.
With such a solid basis, however, ETH has its opponents too before further success can be enjoyed. Selling pressure has been experienced in the past moves at price levels of about $3,500 and $4,000.
Since Ethereum is already substantially owned and known to many, the upside will be significant in percentage terms, though not as large as smaller start-ups. This has prompted other traders to look at some of their $750 allocation of assets that are still early in their growth story.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a more recent altcoin that is gaining attention as it is early in the decentralized finance category. MUTM is associated with a lending protocol currently under development that will allow users to borrow and lend crypto assets upon launch.
In early 2025, the current presale of MUTM began at a price of $0.01. It has progressed systematically and is now selling at $0.04. Out of the 4B supply, approximately 45.5% was allocated to distribution, which amounts to approximately 1.82B tokens. To date, 830M MUTM have been sold. The project has attracted approximately $19.8M and has more than 18,800 holders participating in the distribution process.
This initial interest is not merely theoretical. The number of participants has been on a gradual increase, not a sharp spike. This, as seen by many analysts, is an indication that capital is flowing into genuine use possibilities as opposed to mere short-term hype.
Why Analysts Have Trust in MUTM
When evaluating goals in a diversified allocation of $750, analysts tend to emphasize that small initial selections may generate a significant relative payoff when the underlying protocol offers utility. With regards to the case of Mutuum Finance, a number of factors can be highlighted.
First, the structure of the protocol enables predictable lending yields and structured borrowing, which can attract sustained activity as it becomes operational. Second, the buy-and-distribute mechanic, in which MUTM acquired on the open market is resold to those who post mtTokens in the safety module, unites demand and usage measures with sentiment, not sentiment alone. Third, the roadmap includes stablecoin support and oracle pricing, which is attractive to traders desiring predictable risk profiles.
To elaborate, consider a $900 allocation in MUTM. The purchase would yield 22,500 MUTM. A number of research desks have projected conservative post-launch values between $0.18 and $0.26 in the event of a steady increase in usage following V1 activation. Assuming MUTM reaches $0.22, a $900 position would be worth $4950 in a measured adoption scenario.
V1 Preparation and Launch Security
As per the official X statement, Mutuum Finance (MUTM) is working on getting its V1 protocol ready for deployment on Sepolia testnet and then on to mainnet. This phase is a major milestone, as it makes the system more realistic in terms of usage and revenue dynamics.
Security has been a major area of concern. The smart contracts in the protocol were audited by Halborn Security. The MUTM token has been rated at 90/100 by CertiK token scan, and the project has a bug bounty of $50,000 on code vulnerability. The importance of these steps is that lending platforms need to rely on accurate oracles, sound collateral logic, and safe liquidation processes to be effective during stressful market situations.