As Q1 2026 unfolds, crypto investors are closely tracking new cheap altcoins that show early momentum while the broader market remains uncertain. One new crypto priced below $0.05 has quickly become one of the most watched projects this quarter, driven by rising interest, steady development updates, and growing community attention. Analysts note that early-stage tokens with working technology and clear roadmaps often attract the most capital during market transitions. This shift is putting a spotlight on cheap cryptocurrencies with utility and long-term growth potential heading into 2026.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is building a modern hub for decentralised lending and borrowing. At its core is the Peer-to-Contract (P2C) market. This system uses shared liquidity pools where users can deposit assets to earn a high Annual Percentage Yield (APY). When you deposit funds, the protocol gives you mtTokens.
These are special receipts that represent your share of the pool. For example, if you deposit $1,000 into a pool with a 12% APY, your mtTokens will grow in value over time as borrowers pay interest back into the system. It is a simple way to build passive wealth without moving your assets.
For users who want more flexibility, the protocol’s whitepaper also supports a Peer-to-Peer (P2P) model. This setup lets borrowers and lenders agree on their own terms directly, including fixed or variable borrowing rates based on individual strategy. To manage risk, Mutuum Finance applies clear Loan-to-Value (LTV) limits.
For example, with $2,000 in collateral and a 70% LTV, a user can borrow up to $1,400. If the collateral value falls too much, an automated liquidator bot steps in to close the position, helping keep the system stable and protecting lenders.
The Numbers Behind the Success
The growth of Mutuum Finance has been steady and transparent. The project has already raised over $20.4 million in funding. The community is also very large, with more than 19,000 individual holders worldwide. The total supply of MUTM is fixed at 4 billion tokens. A significant portion of this supply—45.5% or 1.82 billion tokens—has been set aside specifically for the public presale. This wide distribution helps prevent a small group of people from controlling the price.
The price action during the presale shows clear momentum. The project started in Phase 1 at a price of only $0.01. Now, in Phase 7, the price is $0.04. This represents a 300% appreciation for the earliest participants. With a confirmed launch price of $0.06 on the horizon, the token is set to see another 50% jump once it hits the open market. These stages are selling out quickly as more people realise the value of joining before the official expected mainnet.
