Crypto Millionaires Are Adding This Cheap Crypto Alongside Binance Coin (BNB), Experts Explain

Dubai, UAE, February 2, 2026

Big investors do not usually chase hype. They buy when the market is quiet and prices are still low. Many of them continue to hold strong assets like Binance Coin (BNB), but they are also adding cheaper cryptocurrencies with more upside. In early 2026, this trend is becoming clearer. Crypto millionaires are not selling their core positions. Instead, they are adding new projects alongside them. These cheap cryptocurrencies can move faster when demand increases. For many experts, this mix of stability and growth is a common strategy before a broader market move.

Binance Coin (BNB)

Binance Coin (BNB) continues to be one of the most successful projects in the history of the industry. As of late January 2026, BNB is trading near $840, supported by a massive market capitalization that exceeds $120 billion. 

While the token remains a cornerstone of the Binance ecosystem, its sheer size has become a limitation for those seeking life-changing returns. Because the market cap is already so high, it requires tens of billions of dollars in fresh capital just to achieve a modest 20% gain. This lack of elasticity is why many experienced investors are now looking for lower-cost alternatives that have more room to run.

From a technical perspective, BNB is currently navigating several major resistance zones that are capping its upward momentum. The $900 to $1,000 range has proven to be a difficult barrier to clear, with sellers defending these levels aggressively.

Mutuum Finance (MUTM)

Mutuum Finance is starting to attract investors who are searching for new growth opportunities. The project is building a non-custodial lending and borrowing hub focused on flexibility and capital efficiency. Its goal is to support different user needs through a dual-market design, once development is complete.

The first planned model is Peer-to-Contract (P2C). In this setup, users would supply assets into shared liquidity pools and receive mtTokens in return. These mtTokens are designed to act as interest-bearing receipts that grow in value over time. 

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. This structure is intended to make yield accumulation automatic and easy to track.

The second model is Peer-to-Peer (P2P) lending. This market is designed for custom agreements, where borrowers and lenders can set their own terms, such as interest rates and loan duration. 

Borrowing would be managed through a Loan-to-Value (LTV) system. For instance, a user could pledge ETH as collateral at a 75% LTV to borrow stablecoins without selling their long-term holdings. If collateral value falls too low, automated liquidation mechanisms are planned to protect lenders and maintain system stability.

MUTM Success and Security

The market response to Mutuum Finance has been overwhelming. The project has raised over $20.1 million and attracted more than 19,000 individual holders. This wide distribution is a key signal for whales, as it shows the project is not controlled by a few large entities. Participation is managed through a structured presale, which is currently in Phase 7. 

MUTM is priced at $0.04, representing a 300% increase from its initial starting price of $0.01. With a total supply of 4 billion tokens, exactly 45.5% (1.82 billion) are allocated to the community, and nearly half of those tokens have already been claimed.

Security is the foundation of the Mutuum ecosystem. The project has successfully completed a full independent audit by Halborn Security, a firm famous for protecting high-stakes DeFi contracts. Additionally, the token has earned a high 90/100 score from CertiK, verifying that the code meets institutional safety standards. 

To keep the community engaged, Mutuum features a 24-hour leaderboard that rewards the top daily contributor with $500 in tokens. This transparent approach has created a high-energy environment where new and returning investors are constantly active.

New Roadmap Milestone Activated

This week marked a clear breakthrough with the V1 protocol going live on the Sepolia testnet. For the first time, the system is no longer just a design on paper. The core mechanics are active and testable.

Users can explore how liquidity pools operate, see how mtTokens are created, and track debt positions using test tokens. This release offers a practical look at how the protocol is intended to function before any real assets are introduced.

Looking ahead, the roadmap includes plans for a native, over-collateralized stablecoin. This asset will provide borrowers with a stable medium of exchange that is backed by the interest generated within the protocol, creating a closed-loop economy that rewards long-term participants.

Because the V1 protocol is now live and the security audits are complete, Phase 7 of the presale is selling out fast. The project has disclosed an official launch price of $0.06, meaning that current participants are positioned for a significant jump before the token reaches the open market. 

Experts believe that as long as the protocol moves to the mainnet and begins capturing the multi-billion dollar DeFi market, the token could reach far beyond its initial valuation. For those who missed the early days of BNB, Mutuum Finance represents the next major opportunity to secure a position in a utility-driven project before it gains mainstream recognition.

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

Website:https://www.mutuum.com

Linktree:https://linktr.ee/mutuumfinance