Analysts across the market are now pointing toward 2026 as the year when utility-based tokens will dominate. Many experts believe that the next big crypto to explode will not come from memes or trends but from platforms that deliver real value. Mutuum Finance (MUTM) is among the most talked-about names in this category. It is designed for real lending, borrowing, and staking functions, and its rapid presale growth is already drawing investor attention. As crypto watchers look for signals of why is crypto going up again, MUTM’s mix of innovation and use case offers a clear answer.
Presale Momentum and Early Confidence
The presale journey of Mutuum Finance (MUTM) shows strong progress and investor trust. The project has a total supply of 4 billion tokens, and the current presale price stands at $0.035. Phase 6 is already 85% complete, with about $18.35 million raised and over 17,750 holders combining all the phases. This early support highlights how investors are positioning ahead of what they expect to be the next crypto to hit $1. Once Phase 6 closes, the price will automatically rise to $0.040 in Phase 7, marking a 15% increase. That means each new phase gives earlier buyers an instant price edge. The pace of the presale shows how demand keeps building as the project moves closer to its live release.
Mutuum Finance (MUTM) will introduce a dual lending framework that supports both everyday users and advanced investors. The Peer-to-Contract (P2C) system will allow users to lend assets such as USDT or ETH into secure liquidity pools. In return, they will receive mtTokens, representing both their deposit share and interest growth. The Peer-to-Peer (P2P) model will offer direct lending between users with flexible rates. This simple but powerful system will attract a wide range of users. Conservative investors will find steady yields in P2C pools, while those seeking higher returns can use the P2P feature.
Mutuum Finance (MUTM) revealed through its official X account that its V1 protocol will be launching on the Sepolia Testnet in Q4 2025. This initial version will feature the core elements of the platform, including the liquidity pool, mtTokens, debt tokens, and a liquidator bot that ensures the system remains balanced and secure. Users will be able to lend, borrow, and choose ETH or USDT as collateral from the beginning.
This testnet phase will serve as an early hands-on experience for the community, allowing users to test the platform’s mechanics before the full release. Early engagement can help build confidence, attract more participants, and potentially increase long-term demand for the token once the ecosystem is fully live.
Utility That Drives Long-Term Growth
Real utility is the reason why experts list Mutuum Finance (MUTM) among their top 2026 picks. Every function on the platform—lending, borrowing, and staking—will use MUTM tokens. This means more users will create more pool volume, more fees, and ultimately more demand for MUTM. The token’s growth is tied to real activity, not market speculation.
When users lend assets, they receive mtTokens that earn interest and can also be staked for MUTM rewards. This ongoing use creates a self-sustaining demand cycle. As the ecosystem expands, experts believe this is exactly why is crypto going up again across platforms with clear value propositions.
The planned beta launch around mainnet release will act as a major momentum booster. Early testers will get hands-on access to lending, borrowing, and staking functions using mtTokens. This early exposure will build user confidence before the full public release. As users begin earning real rewards and sharing their experiences online, excitement around Mutuum Finance (MUTM) will grow rapidly.
Analysts expect the beta phase to mirror early success stories like those of AAVE and COMP, where first-time users drove massive adoption through word of mouth. The beta launch is set to become the ignition point for MUTM’s first major market surge.
Early investors are already seeing strong growth within the presale. A participant from Phase 3 who invested $5,000 at $0.02 now holds tokens valued $8,750 at the current price of $0.035. Experts who once predicted Ethereum’s 2020 breakout have now listed Mutuum Finance (MUTM) among their top 2026 watchlist. They highlight that when real utility meets active market demand, it becomes easy to identify the next crypto to hit $1.
A Lively and Rewarding Community
Mutuum Finance (MUTM) is already engaging users through live features. A $100,000 giveaway is ongoing, with ten winners each receiving $10,000 in MUTM tokens. The dashboard and leaderboard are active, tracking daily returns and investor rankings. Every 24 hours, the top investor receives a $500 MUTM reward. With over 12,000 Twitter followers, the growing community reflects strong belief in the project’s vision. These features bring transparency and daily engagement, helping users stay active while earning consistent incentives during the presale.
Crypto experts agree that Mutuum Finance (MUTM) has the right mix of real-world use and market appeal. With its dual lending framework, upcoming beta testnet, and buy-and-distribute model, the project is built for sustainable growth. Phase 6 is already nearing completion, and the move to $0.040 in Phase 7 will reduce token availability for new buyers.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
