Mutuum Finance gains traction as MUTM rises to USD 0.035 in Phase 6; strong utility, audits, and V1 launch plans position it as a top DeFi contender.
Mutuum Finance
A growing number of investors are looking beyond the usual large-cap coins and turning toward early-stage DeFi crypto projects. Momentum tends to form around tokens that show real development progress, clear utility, and early traction. One project now entering that discussion is Mutuum Finance (MUTM), a new crypto priced at $0.035 and drawing long-term interest ahead of several major product releases. Many market watchers are asking a simple question: could this be one of the best cryptocurrency opportunities for multi-year growth?
What Mutuum Finance Is Trying to Build
Mutuum Finance is building a dual-lending platform designed to support everyday crypto users. The protocol focuses on transparent lending markets powered by smart contracts. It aims to give depositors yield while keeping borrowing predictable through clear rules, fair rates and risk controls.
The presale has been a core part of its early growth. The project has raised $18.8 million, built a community of 18,000 holders, and sold 800 million tokens. The token price now sits at $0.035 during Phase 6, which is over 88% allocated. With a total supply of 4 billion MUTM, roughly 45.5%, about 1.82 billion tokens, is reserved for the presale.
The presale began in early 2025 at $0.01, meaning the token has already climbed 250%. Early participants are positioned for strong upside if the token reaches its confirmed exchange launch price of $0.06. These figures help explain why some investors are checking MUTM when searching for top crypto, new crypto, or best crypto to buy now options.
V1 Launch and Security Audit
According to the project’s official X announcement, the team will launch the V1 protocol on Sepolia testnet in Q4 2025. This rollout includes the liquidity pool, mtToken system, debt token and the liquidator bot. ETH and USDT will be the first supported assets.
The project also completed a CertiK audit, scoring 90/100 on Token Scan. It runs a $50k bug bounty focused on code vulnerabilities. These signals are important because they help build trust before the project’s mainnet release.
Some analysts believe that if V1 gains traction during 2026, MUTM could climb 3x to 5x from its current $0.035 pricing. They base this on typical early-stage DeFi adoption curves and the token’s confirmed launch mechanics.
mtTokens, Buy-and-Distribute Model, Second Price Prediction
One of Mutuum Finance’s most studied features is the mtToken system. Depositors receive mtTokens when supplying assets. These tokens accumulate yield over time and can be used inside the protocol.
Another core part of the system is the buy-and-distribute model. Revenue from lending activity is used to purchase MUTM on the open market. The purchased tokens are then redistributed to users who stake mtTokens in the safety module. This creates steady buying pressure and long-term demand.
Mutuum also plans a strong oracle setup using Chainlink feeds, fallback sources and DEX-based price references to maintain accuracy. Analysts reviewing token models with these mechanics suggest a possible 6x to 8x increase after mainnet once market conditions remain stable.
Layer-2 Plans
Mutuum Finance has also confirmed long-term plans for a USD-pegged stablecoin minted and burned on demand. Interest from borrowers would help support its structure and add revenue to the MUTM ecosystem.
A layer-2 deployment is also in the roadmap. This would reduce transaction costs, increase speed and make the lending markets more scalable. Projects that shift to layer-2 with working products generally see stronger user activity.
Industry commentary suggests that as long as Mutuum Finance releases both the stablecoin and its layer-2 roadmap before 2028, the token could aim for 8x to 10x growth from current levels. In a stronger market cycle, some long-term models point toward 850% upside, though these projections rely on continued delivery and user adoption.
Leaderboard, Payment Options, and Phase 6 Acceleration
Mutuum Finance also runs a 24-hour leaderboard where the top daily contributor receives $500 worth of MUTM. This system keeps the presale active and transparent.
The project also allows direct card payments with no preset purchase limits, which increased participation during recent stages.
Phase 6 moving past 88% allocation suggests the project is entering the later part of its early financing cycle. Whale activity has also increased, with higher-value contributions arriving more often. Many investors see this as a key moment because stages have fixed supply and fixed pricing. When demand rises, stages close faster, which pushes the price forward.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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