A 1000% move is a 10x. That kind of return is rare, and it usually does not come from the biggest names once they are already valued in the tens or hundreds of billions. It tends to show up when a token is early in its growth curve, utility is close, and attention has not fully caught up yet. That is why many “best crypto” watchlists for 2026 mix two proven large-cap plays with one new crypto that is still building its base. Below are three names that keep showing up in that kind of lineup, with the third entry framed as the next crypto style bet some long-time holders of major coins are starting to track. Ripple (XRP) XRP remains a top crypto by size, and it still pulls serious volume when the market turns risk-on. XRP is trading around $2.36. CoinMarketCap lists XRP’s market cap at about $143B, which shows just how mature this asset already is. For 2026 upside, the chart story often comes down to one level: $3. Multiple technical takes have described $3 as a key area where XRP needs follow-through, not just a brief tag. One recent note also pointed to a nearer resistance zone around $2.56 as a step on the way toward that $3 level. That is the tradeoff with XRP. It has depth, brand recognition, and liquidity. But because it is already so large, a 10x run needs a massive wave of new capital. That is why XRP often lands on lists as a steady major, not the pure 1000% candidate. Solana (SOL) Solana is another headline name, and it is also one of the clearest examples of what early timing can do. SOL is trading around $138.29. CoinMarketCap lists Solana’s market cap near $78B. Solana’s early surge is part of crypto history. It traded below $1 for much of 2020, then grew into a major. It also set an all-time high around $260 in 2021, which is still a reference point many traders watch. Right now, the near-term chart is focused on reclaiming and holding key zones. Several recent reads put resistance in the high $130s to mid $140s, with levels like $138 and $145 often mentioned as hurdles. If SOL clears that band, traders often talk about the next test being around $150.. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is building a lending and borrowing protocol. The project describes a system where users supply assets to liquidity pools and borrowers take loans against collateral, with automated risk controls such as liquidations. Mutuum Finance also outlines core components like a Liquidity Pool, mtToken, Debt Token, and a Liquidator Bot, with ETH and USDT planned as the initial assets for lending, borrowing, and collateral. The design focuses on practical lending basics, meaning deposits flow into shared pools, borrow demand drives rates, and an automated liquidation system helps keep positions healthy when markets move. On the Presale side, Mutuum Finance reports $19.6M raised and about 18,750 holders, with roughly 825M tokens sold so far. The token is priced at $0.04 in Phase 7, after rising from $0.01 in Phase 1 since the Presale began in early 2025, a 300% step-up across stages. Mutuum Finance also references an official launch price of $0.06, which is why MUTM is often discussed as a next crypto style candidate among buyers who prefer earlier-stage positioning tied to a clear product rollout. Why Early Investors Are Now Watching MUTM This is not about abandoning major coins. It is about how upside math changes with size. Early investor sentiment indicates some long-time XRP and SOL holders are adding exposure to smaller projects where utility is close and price discovery is still forming. MUTM fits that profile because it is still pre-mainnet, but it is no longer just a concept. Mutuum Finance has stated that V1 is being prepared for release on the Sepolia testnet, then finalized for mainnet, with timing described as “coming shortly.” That kind of timeline often matters more than short-term noise. It is the point where markets start to shift from “idea” pricing to “execution” pricing. There is also a built-in participation signal inside the community. Mutuum Finance runs a 24-hour leaderboard that rewards the top daily contributor with $500 in MUTM. It is a small detail, but it shows ongoing activity during the build phase. Security Checks For a lending protocol, security is not optional. Mutuum Finance has stated that Halborn Security completed an independent audit of its V1 lending and borrowing protocol. That matters because lending systems involve collateral, debt, and liquidations, which need tight code. Phase 7 is also meaningful because it shows the Presale has progressed into later pricing. Mutuum Finance reports the Presale began in early 2025 and the token price moved from $0.01 in Phase 1 to $0.04 in Phase 7, a reported 300% increase across stages. That price path is why MUTM is often framed as a new crypto that has already shown steady step-by-step demand, rather than a single-day spike. Mutuum Finance (MUTM) is the developing new crypto on the list, positioned around an upcoming V1 Protocol milestone, Presale participation metrics, and a build-first approach that some early-cycle investors tend to favor when they are looking for 2026 upside. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance
