Top 3 Must-Buy Cryptos in February 2026

Dubai,UAE, February 3, 2026

As investors look for the top crypto to buy in February 2026, established leaders like Binance Coin (BNB) and Ethereum (ETH) continue to shine with their proven infrastructure. While these blue-chip assets provide stability and steady growth. However, both BNB and ETH have seen their days of wild rallies. That has put the spotlight on new crypto coins and one standout is Mutuum Finance (MUTM). Priced at just $0.04, MUTM is a high-conviction DeFi project, with more than 18,950 unique token holders invested in its presale and over $20 million raised.

Binance Coin (BNB) Tests Key Zone

Binance Coin (BNB) is currently trading within the OB 4h zone between $745.7 and $765.4, a level that could serve as a base for a potential upward move. If the price holds within this zone, BNB may gradually target the $900 level. This measured momentum aligns with BNB’s role as a mature exchange token. Its pace contrasts with Mutuum Finance that is still in early development stages and may offer higher growth potential for  investors seeking a new crypto to buy. 

Ethereum (ETH) Consolidates Near Key Accumulation Zone

Ethereum (ETH) recently broke below the $2,500 support and saw a sharp decline, with price now stabilizing just above the $2,200 zone, a key accumulation area identified in Q2 2025. While reclaiming $2,500 could trigger a moderate 10%–15% relief rally, a sustained drop below $2,200 might open the path toward $1,700–$1,800. ETH’s  consolidation and moderate recovery potential highlight why smart money is turning to Mutuum Finance for its higher growth potential.

MUTM Presale: Rewarding Early Investors

Since its presale launch, MUTM has rewarded early participants. Starting at $0.01 in Phase 1, the token has risen to $0.04 in Phase 7 and is set to reach $0.045 in Phase 8 and $0.06 at launch. A $5,000 investment today will grow to $7,500 at launch, delivering a $2,500 profit even before MUTM gains adoption in the open market. Looking further ahead, the new crypto is predicted to hit, which will turn the $5,000 investment into $50,000.

Staking mtTokens for Passive MUTM Dividends

Mutuum Finance enhances the utility of mtTokens through its safety module and dividend system, creating an additional reward layer for long-term liquidity providers. A portion of protocol revenue, from interest fees and other sources, is used to buy back MUTM tokens on the open market. These repurchased tokens are then distributed as passive dividends to users who stake their mtTokens. For example, suppose Mutuum generates $1,000,000 in protocol revenue over a quarter, primarily from high utilization in P2C pools like USDT or ETH. If 20% ($200,000) is allocated to buybacks, the protocol purchases MUTM at the current market price, say $0.10 per token, acquiring 2 million MUTM. 

If you have staked mtUSDT tokens that represent 1% of the total value locked in the safety module, you would receive approximately $2,000 worth of MUTM in dividends. This is in addition to the interest your mtUSDT accrues from the lending pool, which could range from 6–10% APY. Over time, as the protocol scales, potentially generating $5 million revenue, the buyback pool could grow to $1 million or more, amplifying rewards for active stakers of this new crypto.

Strong Risk Management Boosts Investor Confidence

Mutuum Finance places security and risk management at the forefront of its platform. All loans are over-collateralized to protect both borrowers and investors. For instance, for stable assets like ETH, the loan-to-value (LTV) ratio is set at 80%. This means $15,000 worth of ETH can generate a loan of up to $12,000, ensuring borrowers maintain a safe buffer. The platform leverages Chainlink oracles to provide real-time asset prices, preventing unfair liquidations during sudden market swings. For example, if ETH drops from $2,600 to $2,100 within minutes, the oracle updates the price instantly, safeguarding the borrower’s collateral. This makes MUTM a highly reliable investment, reinforcing its position as the top crypto to buy now.

For February 2026, smart investors are adding Mutuum Finance (MUTM) to their portfolios for stronger growth. While Binance Coin and Ethereum remain top cryptos in market ranking, their upside is limited. This has led to capital flowing to newcomers among them Mutuum Finance. This new crypto has raised more than $20.25 million and attracted over 18,950 investors. Join today before the next big jump.

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

Website: https://mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance