Mutuum Finance (MUTM) is entering one of its strongest phases so far, gaining major attention as analysts suggest the token could be among the best cryptocurrencies under $0.05 heading into 2026. With demand rising daily and early investor sentiment turning sharply positive, some projections now point toward an upside of more than 800% in a bullish scenario. As momentum builds and its upcoming development milestones approach, urgency around MUTM is increasing fast.
Presale Growth and What Mutuum Finance Is Building
Mutuum Finance launched its offering in early 2025 at $0.01 and has quickly risen to $0.035, marking a 250% increase before the token even hits exchanges. The project has already raised $19M and attracted more than 18,300 holders. Out of the 4B total supply, 1.82B tokens are allocated to the presale, and over 800M have already been purchased. The current phase is now close to full allocation, with limited supply left at the $0.035 price point.
Mutuum Finance is building a decentralized lending and borrowing protocol designed for real DeFi usage. The platform will support yield through mtTokens, flexible borrowing with clear LTV rules, liquidation protections, accurate pricing systems and an active interest-rate model that shifts based on demand. Instead of offering a simple token with no core utility, Mutuum Finance plans to launch a complete lending environment where users can supply assets, borrow securely and earn stable yield based on the activity of the platform. These early fundamentals are one reason traders searching for the best crypto to buy now are taking a closer look at MUTM during the final stages of its offering.
V1 Launch Timeline
Mutuum Finance confirmed through its official X account that V1 of the protocol will debut on the Sepolia Testnet in Q4 2025. The first version includes a working liquidity pool, mtTokens, the debt-token system and the liquidation bot. ETH and USDT will be supported at launch. Having a functioning version of the protocol available before the token lists is rare among early-stage projects, and analysts consider this one of the strongest signs that MUTM may perform well after its exchange debut.
mtTokens are a key part of the expected growth cycle. When users supply assets to Mutuum Finance, they receive mtTokens that increase in value as borrowers repay interest. This creates real yield driven by genuine borrowing activity. It also means suppliers benefit directly from higher protocol usage, making the token more appealing over time.
Another important feature is the buy-and-distribute model. A portion of protocol revenue will be used to buy MUTM on the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This creates consistent buying pressure that many analysts believe could support a strong price increase after launch.
With these mechanics in place, analysts believe MUTM could move from its $0.06 launch price toward the $0.35 to $0.45 range in its early growth stage. This would represent a sharp increase and position MUTM as one of the top cryptocurrencies among new DeFi projects in 2026.
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