The search for a new cryptocurrency with strong upside has intensified as January approaches. Many traders now look beyond short-term hype and focus on projects that combine clear structure, steady demand, and long-term utility. When scanning crypto charts for early-stage opportunities, presales often stand out because they offer defined entry prices and visible growth paths. One project that fits this profile is Mutuum Finance (MUTM), a DeFi protocol currently in presale phase 6 and positioned for its next stage of expansion.
Presale Structure and Early Momentum Behind Mutuum Finance (MUTM)
Mutuum Finance (MUTM) has a fixed total supply of 4 billion tokens. Out of this, 45.5% was allocated to the presale, equal to around 1.82 billion tokens. The presale was divided into multiple phases, each with a clear price point. This step-by-step model allowed early participants to enter at lower prices while reflecting rising demand as participation grew.
The presale began in early 2025 at $0.01 per token. Instead of sharp jumps, the price increased gradually by around 10–20% per phase. This predictable structure helped build confidence and reduced sudden volatility. Phase 6 is now 99% concluded, with the current token price at $0.035 and allocations almost fully taken. More than 18,600 holders have already participated across the presale phases, showing broad interest rather than reliance on a small group of buyers.
Accessibility also played a role in this growth. Participants were able to join using both crypto and card payments, opening the door to a wider audience. With Phase 6 nearly sold out, the project is preparing for the next phase of its roadmap, where token distribution will continue at a higher price level. For those tracking crypto charts for early entries, this steady rise from $0.01 to $0.035 highlights a clear demand trend rather than a one-time spike.
Mutuum Finance (MUTM) Model and Protocol Development
At its core, Mutuum Finance (MUTM) is being built around a dual lending model that combines peer-to-contract and peer-to-peer lending. This design will allow users to lend assets into shared liquidity pools or interact directly with other users, depending on their preferences. This flexibility is designed to serve different risk profiles while keeping liquidity active across the system.
The team has confirmed through its official X account that the V1 of the protocol is set to launch on the Sepolia Testnet in Q4 2025. This first release will introduce the platform’s base infrastructure, including the liquidity pool, mtToken and debt-token systems, and an automated liquidation bot. ETH and USDT will be used as collateral in this stage, allowing users to participate in lending and borrowing while the protocol operates in a controlled test environment. Launching on a testnet first will allow early interaction, transparency, and feedback, which supports stronger engagement before the mainnet phase and reinforces long-term demand for the MUTM token.
Security is another layer strengthening confidence. The team recently announced that an independent audit by Halborn Security is underway for the lending and borrowing smart contracts. With the code finalized, this review is designed to test for vulnerabilities and confirm correct behavior. A professionally validated audit reduces risk and reinforces trust, which is essential for a DeFi protocol aiming for sustained usage rather than short-lived attention.
What Makes 5X Realistic
One major growth driver for Mutuum Finance (MUTM) is its planned decentralized stablecoin. This stablecoin will always aim to maintain a $1 value and will only be minted when users borrow against collateral such as ETH. It will be burned once loans are repaid or liquidated. Only approved issuers will be allowed to mint it, each with defined limits to manage risk. Interest rates will be governed by Mutuum’s system and adjusted to keep the price close to $1, supported by arbitrage and overcollateralized loans.
This stablecoin will act as a central engine for Mutuum’s dual lending markets. By keeping borrowing and lending activity within the ecosystem, it will create recurring usage and steady liquidity flows. Stablecoins are widely used across DeFi, and an overcollateralized, well-governed version is expected to drive consistent demand that feeds back into the MUTM token economy.
Another key driver is price discovery. Mutuum Finance (MUTM) is designed to rely on robust oracle infrastructure, with plans to use Chainlink data feeds for accurate asset pricing. These feeds can return values in USD and native assets, supporting flexible integration across chains. The roadmap also includes fallback oracles, aggregated data sources, and on-chain metrics such as time-weighted average prices from decentralized exchanges. Reliable pricing reduces the risk of incorrect liquidations and manipulation. This reliability encourages larger and longer-term positions, which supports steady fee generation and treasury growth tied to MUTM’s economic role.
When these elements work together, the cycle becomes clear. Secure contracts and reliable pricing build trust. Trust increases usage in lending, borrowing, and stablecoin activity. Higher usage keeps liquidity active and fees flowing through the system. This ongoing activity reinforces demand for the MUTM token as the platform moves through its roadmap.
Final Verdict: Why MUTM Is Drawing Attention for January
For anyone asking what is the new crypto coin is for at least 5x in January, Mutuum Finance (MUTM) stands out due to timing, structure, and clear growth drivers. Phase 6 of the presale is already 99% sold out at $0.035, reflecting strong participation and limited remaining supply at this level. The next presale phase is set to move the price higher, with a planned increase of around 15% to $0.040. Missing Phase 6 means entering at a higher price, while securing tokens now aligns with the project’s next stage of growth as January approaches.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a sponsored article. ABP Network Pvt. Ltd. and/or ABP Live do not endorse/subscribe to its contents and/or views expressed herein. Crypto products and NFTs are unregulated and can be highly risky. There may be no regulatory recourse for any loss from such transactions. Cryptocurrency is not a legal tender and is subject to market risks. Readers are advised to seek expert advice and read offer document(s) along with related important literature on the subject carefully before making any kind of investment whatsoever. Cryptocurrency market predictions are speculative and any investment made shall be at the sole cost and risk of the readers.
