Best Crypto to Buy With $750: Analysts Break Down 3 Cheap Altcoins

Dubai, UAE, February 7, 2026

Many investors are now looking past the major cryptocurrencies to find where the next crypto wave of growth will start. The era of buying coins based only on social media hype is slowly ending. People are now searching for real technology that can solve financial problems. This shift in how people spend their money is creating a new path for smaller projects. While some famous coins are struggling to keep their value, a new name is starting to catch the eye of top experts. 

Dogecoin (DOGE)

Dogecoin (DOGE) remains one of the most recognizable assets in the world of crypto. As of February 2026, it is trading at approximately $0.10 with a market capitalization of nearly $15 billion. While it still has a loyal community, it is no longer the low-cost secret it used to be. The coin now requires massive amounts of new money just to move the price by a few cents. This makes it harder for a $750 investment to see the explosive gains that were common during its early years.

The technical charts show that Dogecoin is facing heavy resistance levels at $0.12 and $0.15. These zones have acted as a ceiling for several months. Every time the price nears these points, sellers step in to take profits. Without a major viral event or a new use case, Dogecoin remains stuck in a tight range. This lack of clear growth is leading many to look for younger assets that have more room to run before they hit a market cap ceiling.

Ripple (XRP)

Ripple (XRP) is another major player that many people consider for a $750 budget. It is currently trading around $1.60 with a market cap of about $100 billion. XRP is well-known for its role in cross-border payments and its work with banks. However, this focus on the banking sector also means it moves more like a traditional stock. It is often slow to react to general market rallies unless there is specific news about its legal status or a new partnership.

The resistance zones for XRP are quite clear at $0.65 and $0.72. These levels have proven to be very difficult to break through. Because XRP already has a multi-billion dollar valuation, it is unlikely to see a 10x or 20x gain in a short period. It is often seen as a safer, more stable pick, but it may not satisfy those looking for aggressive growth. For a $750 allocation, XRP offers steady exposure to the payment sector but lacks the high-upside potential of a newer protocol.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a new protocol that is gaining attention for its focus on decentralized credit. It is building a hub where users can borrow and lend digital assets without a middleman. The project is currently in Phase 7 of its distribution. The token is priced at $0.04, which is a 300% increase from its starting price of $0.01 in early 2025. Mutuum Finance has already raised over $20.4 million and has more than 19,000 holders.

The structure of the Mutuum ecosystem is built for sustainability. It uses mtTokens, which are special receipts that grow in value as interest is paid into the system. It also features a buy-and-distribute model where protocol fees are used to buy tokens from the open market. 

This creates a natural demand for the MUTM token that is not found in older coins. With a confirmed launch price of $0.06, the project offers a 50% discount for those who join before presale phase 8.

Why Analysts See More Upside in MUTM

Experts believe MUTM is positioned to outperform DOGE and XRP because of its stage in the market cycle. Dogecoin is a meme coin with a very high market cap. Ripple is a payment coin that is already widely adopted. Both have reached a point where their growth is slow. Mutuum Finance is still in its early growth phase. It is a utility token that solves a specific problem in the DeFi space. This means it has the potential for much higher percentage moves as more people start using the lending protocol.

If you put $750 into each asset, the math of market capitalization reveals why analysts are focusing on newer protocols for smaller budgets. In DOGE, a 2x move requires the market cap to jump by another $15 billion, which is a massive hurdle for an established meme coin. Similarly, in XRP, a 2x move requires $100 billion in new capital to enter the system, making significant gains much slower to achieve.

In MUTM, a move to the confirmed launch price of $0.06 is already a 50% gain for those participating at the current phase. If the token reaches the analyst target of $0.25, your $750 investment could grow to over $4,500. This comparison highlights that the opportunity is not built on hype, but on the fundamental reality of market caps. While large-cap assets face heavy resistance, a utility-focused project in its early stages has the structural room to provide much higher percentage growth for the same amount of capital.

V1 Launch and Security Verification

The most exciting update for Mutuum Finance is the recent activation of its V1 protocol on the Sepolia testnet. This milestone shows that the technology has moved beyond theory and into real use. Users can now test lending pools built around major assets such as ETH, USDT, WBTC, and LINK, along with core borrowing flows and automated liquidation mechanics, all within a live but risk-free environment.

This public testing phase allows participants to see how liquidity provision, mtToken issuance, and risk controls function in practice. It marks an important step toward a future mainnet release as the team continues to refine the system based on real user interaction.

Security is also a top priority for the team. The protocol has successfully completed a full audit by Halborn, a top-tier firm in the blockchain space. As Phase 7 quickly sells out, the window to enter at the $0.04 price is closing fast. For those with $750 to spend, the combination of security and utility makes Mutuum Finance a standout top crypto pick.

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

Website:https://www.mutuum.com

Linktree:https://linktr.ee/mutuumfinance