Can Ripple (XRP) & Dogecoin (DOGE) Recover by Q4 2026? Experts Highlight This New Crypto Under $1

DUBAI, United Arab Emirates, January 31, 2026

For much of the last decade, projects built on high-speed payments or community-driven energy dominated the headlines. Now, a new era is emerging where capital is moving away from speculative assets and toward projects with functional, working code. Experienced participants are quietly shifting their gaze. They are looking for the next generation of infrastructure that can survive a cooling market. 

One specific new cheap crypto is now capturing this attention. It is moving through its development stages with surprising speed. As we look ahead to the final quarter of the year, the question is no longer just about survival, but about who will lead the next major expansion.

Ripple (XRP)

Ripple (XRP) enters 2026 in a state of high-stakes consolidation. At press time, the token is trading around $1.60, reflecting a difficult period of price rejection at higher levels. While the network remains a leader in the cross-border payment sector, it has struggled to break through the massive resistance sitting between $1.90 and $2.15. For much of the year, every attempt to climb has been met with significant selling pressure from long-term holders.

The market capitalization of XRP remains substantial at over $100 billion, but this large size makes it difficult for the price to see explosive moves. Analysts are closely watching the $1.45 support zone, warning that a break below this level could lead to a deeper slide. Without a new institutional catalyst, many believe XRP could spend the rest of 2026 moving sideways. 

Dogecoin (DOGE)

Dogecoin (DOGE) is currently trading near $0.10, a level that is a far cry from its historic highs. The original meme coin has entered a long phase of price discovery. While its market cap is still roughly $16 billion, the asset has lost over 50% of its value in recent months. The early surges that were driven by viral social media posts have become much harder to replicate. The market has matured, and investors are now demanding more than just community memes.

Many early DOGE holders are starting to reconsider their positions. They remember the thrill of the 2021 rally, but they see that the current market rewards utility over jokes. This is why many are now turning their attention toward Mutuum Finance (MUTM). 

Mutuum Finance (MUTM)

Mutuum Finance is a new decentralized protocol building an advanced hub for lending and borrowing on the Ethereum network. It is designed for people who want to keep their digital wealth while accessing cash. 

By using their crypto as collateral, users will be able unlock liquidity without having to sell their favorite tokens according to the official roadmap. The market response to this idea has been incredible. The project has already raised over $20.1 million in funding. Even more impressive is the holder count, which has now surpassed 19,000 individuals.

Currently, the project is in Phase 7 of its distribution. The token is priced at $0.04, which is a significant discount compared to the confirmed launch price of $0.06. This structured growth has already seen the price jump 300% from its starting level. 

Out of a total supply of 4 billion tokens, nearly half of the presale allocation has already been sold. This shows that the window for early participation is closing as the project moves closer to its public debut.

Why XRP and DOGE Investors are Moving to MUTM

Experienced investors in XRP and DOGE are noticing a pattern. Many believe that MUTM is following the same early steps of successful projects by building a massive, loyal community before hitting exchanges. A major trigger for this recent interest was the announcement that the V1 protocol is now live on the Sepolia testnet. This is no longer just a concept; it is a working piece of technology that anyone can test.

The V1 launch includes several key features that set it apart. Users can explore liquidity pools for established assets like ETH, USDT, and LINK. They can also test the mtToken system, which turns deposits into yield-bearing receipts that grow in value. 

There is also an automated Liquidator Bot to keep the system safe. Seeing these tools in action gives investors the confidence they need. They see a project that is delivering on its promises, which is a rare sight in today’s market.

Security and the Path to Launch

Security is the foundation of Mutuum Finance. The team has completed a full independent audit with Halborn Security to ensure the code is safe. They also hold a high 90/100 score from CertiK and offer a $50,000 bug bounty to find any hidden risks. This professional approach is a major reason why the project has reached its current milestones.

To keep the community engaged, the platform features a 24-hour leaderboard. Every day, the top daily contributor receives a $500 bonus in MUTM tokens. This has helped maintain high energy as Phase 7 moves toward a sell-out. With the V1 protocol active and nearly 20,000 holders on board, Mutuum Finance is positioning itself as the potential top growth opportunity for 2026. While older giants like XRP and DOGE struggle to recover, this new protocol is already moving into its utility era.

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

Website:https://www.mutuum.com

Linktree:https://linktr.ee/mutuumfinance