Top 3 Cryptos to Watch as Ethereum (ETH) Eyes $3,500

As Ethereum (ETH) approaches the $3,500 area, analysts believe capital will flow into assets with higher upside potential. Once ETH reaches psychological resistance, investors tend to search for the best crypto deals that can expand without billions of dollars in inflows just to move a small amount. Three cryptocurrencies are drawing attention for different reasons, and one of them is priced under $1 and rising with little visibility.

Ripple (XRP)

Ripple (XRP) remains focused on cross-border settlement. It trades around $2.10 with a market cap near $130B. Over the years, XRP has built an institutional user base and regulatory clarity has attracted new capital.

However, XRP now sits near a major technical region. The $2.30–$2.50 band has acted as resistance multiple times. Clearing this range would require sustained buying and deeper liquidity. 

XRP may continue to function as a long-term settlement token, but its large market cap and visible adoption curve limit short-term expansion. This is why some early XRP participants from previous cycles are now rotating into smaller assets capable of disproportionate returns over shorter periods as ETH nears resistance.

Solana (SOL)

Solana (SOL) is one of the largest L1 networks of the last cycle. It trades near $137 with a market cap of about $77B. The previous cycle saw Solana post triple-digit gains as liquidity rotated into high-performance chains. 

Analysts now highlight market cap gravity. With valuations at current levels, even a 50% move requires material inflows. Early Solana holders remain long-term optimistic but are reallocating slices of capital into earlier-stage assets. 

This is where Mutuum Finance (MUTM) enters the discussion. Allocation desks tracking rotation note that some early Solana investors are viewing MUTM as next-cycle positioning due to its early development stage and smaller valuation base.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is developing a decentralized lending and borrowing protocol focused on usage rather than narrative. The protocol supports two connected markets. In peer-to-contract markets, lending and borrowing occur through shared liquidity pools. Users supplying assets receive mtTokens that gain value as interest accrues. In peer-to-peer markets, lending and borrowing occur through direct agreements with loan-to-value limits and liquidation provisions enforced by smart contracts.

This dual structure accommodates passive lenders and active borrowers. Analysts highlight this distinction because lending platforms generate revenue through fees and interest rather than attention cycles.

The presale launched in early 2025 and has grown without sudden spikes. Funding has reached about $19.6M across more than 18,800 holders. Roughly 825M tokens have been sold. Phase 7 pricing sits at $0.04, up from $0.01 in Phase 1.  This is approximately 300% growth heading into the $0.06 launch price. Out of 4B total supply, 45.5% (about 1.82B tokens) is allocated to the presale. 

Rotation from XRP and SOL into MUTM

Interest among former XRP and Solana winners is not driven by speculation but by structure and timing. Both XRP and SOL appreciated significantly during infrastructure build-out, prior to broad public visibility. MUTM appears to be in that early period of muted growth where development outpaces marketing.

According to its official X account, Mutuum Finance is preparing its V1 Protocol launch on Sepolia testnet by Q1 2026. Supported assets include ETH and USDT, with components such as liquidity pools, mtTokens, debt tokens, and an automated liquidator bot. Early Solana investors recognize the advantage of entering protocols prior to functional release rather than after.

Analysts also note that early-stage functional assets tend to attract rotation during cycle transitions. MUTM fits that profile with a defined roadmap, audited contracts, and operational milestones.

Security Stack and Phase 7 Behavior

Security is a major focus for lending protocols due to liquidation risk and collateral management. Mutuum Finance has completed a full audit with Halborn Security. It holds a 90/100 CertiK token scan score and maintains a $50K bug bounty for code vulnerabilities. This reduces execution risk and appeals to longer-horizon capital.

A 24-hour leaderboard awards the top daily contributor with $500 in MUTM, keeping presale activity steady during late phases. Phase 7 distribution has accelerated compared to earlier phases. During the shift from Phase 6 to Phase 7, a whale allocation of roughly $115K was recorded. For investors watching rotation trends, such positioning is viewed as a structural signal rather than noise.

Capital rotation has become a theme as ETH nears the $3,500 zone. XRP provides structural stability, SOL maintains proven performance, and MUTM offers early-stage asymmetry backed by a functioning roadmap. That combination is why Mutuum Finance is appearing on lists of the best crypto to watch into the next altcoin quarter of 2026.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance