Every cycle brings one token that begins quietly before turning into a major gainer. Analysts watching top crypto trends say a new DeFi altcoin may be entering that same breakout zone now. Mutuum Finance (MUTM) sits at the key point where rising demand, shrinking supply, and upcoming product milestones begin to align. With Phase 6 now at 94% and the price still under $0.04, many traders believe this project may be positioned for a large move sooner than expected.
Inside Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is building a full lending system designed to support real on-chain activity. The protocol uses two connected markets that keep liquidity active and adaptable.
In the Peer to Contract market, users supply assets such as ETH or USDT and receive mtTokens. These mtTokens grow in value as borrowers repay interest. To show how this works, imagine someone supplies $800 in USDC. As borrowing increases and interest flows back into the pool, the mtTokens increase in value. This increase reflects organic APY created by active borrowing, not fixed rewards.
The Peer to Peer market gives borrowers a flexible rate model. When liquidity is high, borrowing costs stay low. When liquidity tightens, the rate rises to attract more deposits. This creates a responsive environment that adjusts to market conditions.
Borrowers must follow LTV rules to keep positions safe. If collateral drops too far, the protocol triggers liquidations. Liquidators purchase a portion of the collateral at a discount and repay part of the debt. This protects the system from bad loans and keeps liquidity healthy. These mechanics place Mutuum Finance in the category of DeFi crypto projects that offer real utility and revenue potential, not hype-driven speculation.
Massive Early Demand
Mutuum Finance began its presale in early 2025 at $0.01. The project has grown steadily since then and now trades at $0.035, showing a 250% rise from the first stage. The price is set to list at $0.06 during launch, which means early buyers could see strong gains if demand continues at this pace.
The presale has now raised $19.1 million, attracting more than 18,300 holders. Over 810 million tokens have been sold. Out of the 4 billion total supply, 1.82 billion tokens were set aside for early contributors. Nearly half of the entire supply is held by early users, which analysts say can help support long-term stability.
Mutuum Finance’s presale structure has fixed prices for each phase. As demand increases, stages sell out faster, pushing the token toward the next price level. This dynamic is clear in Phase 6, which has already reached 94% allocation. Traders who track new crypto projects note that once a stage crosses the 90% mark, the final stretch often sells out much faster.
The project also runs a daily 24-hour leaderboard. The top contributor earns $500 in MUTM, encouraging constant participation. Combined with card payments for fast access, these features have accelerated both holder growth and treasury inflow.
Security Layers
Mutuum Finance confirmed on its official X account that its V1 testnet is scheduled for Q4 2025 on the Sepolia network. The first version includes the liquidity pool, mtTokens, the debt-tracking system, and the liquidator bot. ETH and USDT will be the initial supported assets.
Security is a major focus for the team. Mutuum Finance completed a CertiK audit with a 90/100 Token Scan score. Halborn Security is reviewing the lending and borrowing contracts to ensure the protocol is ready for the public testnet. The team also launched a $50K bug bounty to catch issues early.
Analysts now watching the project believe the V1 launch could be the moment when visibility jumps across the market. Some analysts say that in a bullish scenario, MUTM could climb between 800% and 1,000% over the next year if presale momentum aligns with strong product activity after launch. Market commentators point out that the early growth, rising holder count, and confirmed testnet timing create a setup similar to early lending projects that later became major DeFi players.
Long-Term Price Potential
Mutuum Finance is preparing to launch a USD-pegged stablecoin designed to improve liquidity inside the protocol. The stablecoin will be minted and burned on demand, supported by interest paid by borrowers. Analysts say this feature strengthens the ecosystem because it helps maintain stable borrowing conditions and gives users a liquid asset to use across lending markets.
The protocol also plans to expand to multiple layer-2 networks. L2 chains continue to attract high activity due to low fees and fast transactions. With cross-chain access, Mutuum Finance could grow its borrowing markets far faster than if it stayed on a single network. This is why many analysts place MUTM among the next crypto projects with strong scalability potential.
Accurate pricing is essential for lending platforms, so Mutuum Finance will rely on Chainlink price feeds along with fallback oracles and aggregated data from decentralized exchanges. These tools help trigger liquidations at the right moment and protect borrowers and lenders from incorrect price updates during volatile periods.
If the stablecoin and L2 plans launch as expected, some analysts believe MUTM could grow more than 20x from early levels over the long term. These projections are based on growing user activity, stronger revenue from borrowing markets, and the buy-and-distribute system increasing buying pressure throughout the year.
Why Urgency Is Rising Now
Phase 6 of the Mutuum Finance presale is now 94% filled, leaving very little supply at the current price of $0.035. Once this allocation disappears, the token automatically moves to the next price level. Analysts say this point of the presale is often where interest increases sharply. Many traders jump in before the next phase to secure the lowest entry.
The project also recorded a $100K whale allocation during this phase. Large entries like this often signal rising confidence from early institutional or high-net-worth buyers. Such moves tend to speed up the final stages of a presale and often encourage smaller traders to act before the next price increase.
With a confirmed V1 launch, strong audits, fast holder growth, stablecoin expansion, and solid DeFi mechanics, interest in Mutuum Finance continues to climb. Many traders watching best crypto to buy now discussions say the final part of Phase 6 may be the most important stage of the entire presale.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
