Cheapest Coins Under That Analysts Say Will Deliver Upside

The spotlight moves to Mutuum Finance (MUTM) because it remains in presale Phase 7 and still trades at a discounted price. The project has a total supply of 4 billion tokens. Across all presale phases so far, around $19.82 million has already been raised. The current presale price stands at $0.04. More than 18,850 holders now own MUTM across all phases combined. In Phase 7 alone, 7% of the 180 million token allocation has already sold out, showing steady demand.

Even at $0.04, the token is still discounted. Buying now is cheaper than waiting for later phases. For example, purchasing 10,000 MUTM today costs $400. In Phase 11 at $0.06, the same 10,000 tokens will cost $600. That is a clear 50% price jump before launch. Early buyers lock in better cost per token and higher returns when analysts project an 800% upside after listing. At that target, MUTM will trade around $0.32, turning today’s $400 into $3,200.

P2C, P2P Lending & Halborn Security

Mutuum Finance (MUTM) is a decentralized lending platform built around two models. The first is Peer-to-Contract, or P2C. In this system, users lock stablecoins like USDT into smart-contract liquidity pools. These contracts run automatically, distribute rewards, and protect funds through on-chain logic. This creates passive income that is simple, transparent, and secure.

The second model is Peer-to-Peer, or P2P. Here, lenders and borrowers interact directly without middlemen. They set custom terms, interest rates, and repayment schedules. This gives privacy, flexibility, and control to users who want personalized financial agreements. When combined, P2C and P2P create a full lending ecosystem that serves both retail users and professional capital providers.

Mutuum Finance (MUTM) is not a paper project. The November 24, 2025 protocol update proves real development. Front-end data testing is complete, meaning balances, positions, and market stats will display correctly from day one. The ELK monitoring system is already live, giving the team full visibility into performance, logs, and system health. This level of operational readiness is rare for a project still in presale.

The staking workflow is also finished and tested. Users will stake mtTokens, unstake them, and track rewards smoothly. Automated deployment scripts are in place to ensure secure updates. Smart-contract audits are ongoing, and admin dashboards are being refined. Heavy performance testing shows the team’s commitment to stability before launch.

Security carries serious weight. Halborn, a respected blockchain auditor, reviewed Mutuum Finance (MUTM)’s smart contracts in November 2025. Six issues were flagged, including one high-severity finding. Every single issue was fixed. Halborn confirmed 100% remediation. This clean result strengthens confidence in the protocol as it moves toward testnet and mainnet.

What Drives Value?

Several clear drivers will push Mutuum Finance (MUTM) toward the projected 800% upside. The first is an expected simultaneous platform launch and token listing. Unlike many presales that list tokens with no product, Mutuum Finance (MUTM) will go live with working lending modules on day one. Traders, lenders, and stakers will all use the platform immediately. Real activity will generate real demand. This ready-to-use product structure makes Tier-1 and Tier-2 exchange listings more attractive and more likely.

The second driver is a real utility tied directly to MUTM. Every key feature connects back to the token, from lending to staking to buybacks. The roadmap includes an over-collateralized stablecoin system pegged to $1. Users will lock assets like ETH, SOL, or AVAX to mint this stablecoin. Each mint and repayment will create on-chain transactions inside the Mutuum ecosystem. More activity means more token circulation and higher organic demand for MUTM.

The third driver is the upcoming dividend and buy-back mechanism. Mutuum Finance (MUTM) will use platform revenue from borrowing fees to buy MUTM from the open market. These tokens will then be distributed to stakers as rewards. This creates constant upward pressure on price while also paying loyal participants. Higher platform usage leads to higher revenue, more buybacks, and stronger price momentum.

Together, these elements make Mutuum Finance (MUTM) a serious new crypto rather than a hype play. It sits at the intersection of lending, staking, and decentralized finance innovation while still priced under $0.05 in presale.

Cardano (ADA)

Cardano (ADA) represents the infrastructure side of the market. Governments, universities, and enterprises already work with its technology. Layer-2 scaling upgrades are rolling out, making transactions faster and cheaper. Developers continue to build decentralized apps across finance, identity, and supply chains.

Cardano (ADA) looks bullish as it breaks key resistance and forms higher lows. The RSI shows strengthening momentum, suggesting buyers are returning. If ADA sustains above $0.40, it could target $0.95 next, and potentially $1.21 in the coming weeks. Continued volume and market confidence will be critical to fuel this uptrend. Overall, ADA appears positioned for strong upside continuation with these bullish price levels in sight.

Dogecoin (DOGE): Culture, Speed, and Global Attention

Dogecoin (DOGE) started as a joke but became a financial movement. Its brand recognition now reaches far beyond crypto circles. Merchants accept DOGE. Influencers promote it. Communities rally behind it. This cultural power keeps demand alive even in slow markets.

Dogecoin (DOGE) is showing bullish strength as price holds above key support and forms higher lows on the chart. Momentum indicators suggest growing buying pressure. If DOGE maintains above $0.15, it is expected to move toward $0.28 as the next resistance, with a further extension to $0.35 on sustained volume. Increased market interest and social sentiment could accelerate this upside trend.

Cardano (ADA) brings institutional trust, Dogecoin (DOGE) brings cultural energy, while Mutuum Finance (MUTM) delivers practical DeFi utility with a clear roadmap, audited smart contracts, and an active Phase 7 presale at $0.04. Buying now secures a lower price before Phase 11 reaches $0.06 and exchanges list. Launch activity, lending, staking rewards, and buybacks will drive steady demand as communities grow toward 800% upside.

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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