Dubai, UAE, February 21, 2026
As Ethereum (ETH) nears the $2,000 mark, many crypto traders are looking for small, cheap gems. These low-priced tokens could have big potential if the market heats up. In this article, we highlight the top 3 cheap crypto picks worth watching now. Each one is affordable and gaining interest from the crypto community. Whether you’re new to crypto or building your portfolio, these gems could be smart additions as ETH eyes higher levels.
Ripple (XRP)
Ripple (XRP) has always been a unique player in the crypto space. Unlike many coins that focus only on retail users, Ripple works directly with banks and payment systems. In early 2026, the project is seeing a massive boost in confidence. The big reason for this is the potential passage of the U.S. Clarity Act.
Ripple’s CEO recently stated there is a 90% chance this law will pass by April. If it does, the legal gray area for XRP will finally close. This would allow large banks to use the XRP Ledger for international payments without fear of legal trouble. Right now, XRP is trading in a tight range between $1.45 and $1.60.
While many coins have been dropping, XRP has actually edged higher by nearly 4% over the last week. Analysts believe that once the $1.80 resistance level is broken, the coin could see a rapid climb.
Dogecoin (DOGE)
Dogecoin is often dismissed as a joke, but its staying power in 2026 is undeniable. Even in a shaky market, DOGE has held its position as one of the top ten cryptocurrencies by market cap. This month, it received a major boost from Coinbase.
The exchange recently added Dogecoin as a collateral option for crypto-backed loans. This means users can now borrow money against their DOGE without having to sell it. This move changes how people view the token. It is no longer just for fun; it is now a recognized financial asset that can be used for serious lending.
Currently, Dogecoin is battling to stay above the $0.10 support level. While trading volume has been lower lately, the coin has a very rich history of bouncing back quickly. With over $1.8 billion in open interest in the derivatives market, there is still a huge amount of money waiting for the next big crypto move.
Mutuum Finance (MUTM)
While XRP and DOGE are established names, Mutuum Finance (MUTM) is the new crypto face of decentralized finance. This project is currently in the middle of a very successful presale. As of late February, it has already raised over $20.6 million from more than 19,000 holders.
Mutuum Finance is built on the Ethereum network. It aims to replace traditional banks with a developing dual lending system. Instead of waiting for a bank to approve a loan, users can use smart contracts to lend or borrow money instantly. This is part of the reason why the project is gaining so much attention as Ethereum nears the $2,000 mark.
The MUTM token is currently in Phase 7 of its presale. The price is locked at $0.04. This is significant because the team has confirmed the official launch price will be $0.06. For investors, this represents a built-in discount.
Mutuum Finance have already launched their V1 Protocol on a test network. This allows people to see the lending system in action. The project’s roadmap also features a “buy-back” model. A portion of the fees earned by the platform is used to buy MUTM tokens from the market and give them back to those who support the network. This creates a natural demand that can help keep the price healthy.
The Big Picture
Choosing the right crypto “gem” involves evaluating utility, community, and timing. For those seeking long-term slow stability, Ripple (XRP) is often noted for its established bank partnerships and its navigation of clear regulatory pathways. For those who value social momentum, Dogecoin (DOGE) is frequently cited for its massive community and is being explored for new use cases in the world of collateralized loans.
However, Mutuum Finance (MUTM) stands out as the most compelling opportunity for growth potential and early-stage utility. While the other assets are already well-established, MUTM is in a high-growth “sweet spot.” It is currently advancing through Phase 7 of its presale, where the MUTM is priced at $0.04.
Investors are watching closely to see which of these cheap gems will be the first to break out. With its active development, audited security, and clear roadmap toward native stablecoins and Layer-2 scaling, Mutuum Finance offers a rare combination of lower entry costs and higher potential upside.
Whether you prefer the steady track record of Ripple, the cultural presence of Dogecoin, or the innovative utility of Mutuum Finance, 2026 is providing plenty of options for a diverse portfolio. However, for those looking to get ahead of the next major DeFi wave, the window to join Mutuum Finance at its current presale discount is narrowing.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer:
This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry risk, including total loss of capital.
All market analysis and token data are for informational purposes only and do not constitute financial advice. Readers should conduct independent research and consult licensed advisors before investing.
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