A new wave of interest is forming around a cheap crypto that many early investors say could emerge as one of the next major movers in the DeFi sector. Mutuum Finance (MUTM), currently priced at just $0.035, has already surged 250% during development and is now becoming a contender in discussions about the next 100x coin for 2026. With demand rising, allocation tightening and core features nearing release, the excitement around MUTM is increasing quickly.
What you'll learn 👉
Strong Growth in Early Stages
Mutuum Finance entered the market in early 2025 with a starting price of $0.01. Interest expanded steadily through each phase, pushing the token to $0.035 as the platform advanced through its roadmap. This early movement has brought the project more than $19M in funding and a user base that has grown to over 18,300 holders, showing strong traction for a new crypto still preparing for its first public version.
The project’s offering includes 1.82B MUTM reserved for early distribution out of a total 4B supply. More than 800M tokens have already been purchased. Phase 6, which is priced at $0.035, has reached the final part of its allocation as users move in quickly before the token transitions toward its $0.06 launch price.
Daily activity remains high due to the project’s 24-hour leaderboard, where the top contributor receives $500 in MUTM. Combined with direct card payments, the project has become accessible even for newcomers who want simple participation without complicated onboarding steps. This early performance has placed Mutuum Finance on the radar of investors looking for the best crypto to buy now before the next cycle intensifies.
What Mutuum Finance Is Building
Mutuum Finance is creating a decentralized lending protocol that focuses on safety, transparency and predictable user experience. The lending system is built around dual markets, letting users access different types of borrowing depending on their needs. This setup supports more flexibility than traditional single-market DeFi lending models.
The project uses mtTokens, which represent a user’s deposit in the system. When someone supplies assets, they receive mtTokens that increase in value as borrowers repay interest. This gives suppliers yield tied to actual activity in the protocol instead of inflation-based rewards.
The protocol also uses a revenue system designed to support long-term token strength. A portion of platform revenue is used to buy MUTM from the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This design increases buy pressure and helps reduce circulating supply as platform usage grows.
Security is another major focus. Mutuum Finance completed a CertiK audit, earning a 90/100 Token Scan score, and is also undergoing review by Halborn Security, which is analyzing the core lending contracts, liquidation logic and collateral behavior. With lending tools, mtToken yield, buybacks, strong audits and a clear product roadmap, Mutuum Finance is shaping into one of the more complete DeFi crypto projects entering 2026.
Key Features Driving Higher Interest
One reason Mutuum Finance is being called a potential next crypto to explode is the combination of real functionality and a fast-moving offering structure. The upcoming stablecoin will be a key part of the ecosystem, supporting predictable borrowing and generating additional interest for the Mutuum Treasury. The stablecoin is expected to strengthen user trust, especially for borrowers who want stable-value repayment options.
Another important part of the future roadmap is layer 2 expansion. By expanding its lending engine to L2 networks, the protocol plans to reduce transaction fees and increase execution speed. As more users begin moving to layer 2 networks, this gives Mutuum Finance an advantage when aiming for wider adoption.
The system will also integrate Chainlink oracles, fallback price feeds and on-chain metrics to keep liquidation events accurate and safe. This helps protect users from price volatility and supports the stability of collateral-backed loans.
With multiple features set to go live over time, Mutuum Finance is gaining attention from investors searching for the top crypto to position themselves in before broader market adoption begins.
V1 Testnet Launch and Why It Adds Urgency
According to the official Mutuum Finance X account, V1 will launch on the Sepolia Testnet in Q4 2025. This version includes the liquidity pool, mtTokens, liquidation bot, debt tracking and initial support for ETH and USDT. Unlike many early-stage altcoins that launch without working features, Mutuum Finance is delivering a functional Testnet before its exchange listings.
This early delivery has contributed to the growing belief that MUTM could be a strong contender among the best crypto to invest in for Q1 2026. Investors who follow early DeFi launches often value real product progress more than marketing, and MUTM is showing clear signs of entering that category.
The V1 release also increases urgency because the closer the project gets to its first working version, the faster presale stages tend to move. Phase 6 has already shown faster progress than earlier phases, and with only a limited number of tokens left under $0.04, interest is beginning to accelerate.
Whale Activity and End-of-Phase Pressure
Large investors have started to take positions in the final part of Phase 6. A recent $75K whale purchase pushed the allocation closer to full capacity and increased visibility across the community. Whale activity often speeds up remaining stages and contributes to a surge in smaller purchases as participants react to shrinking supply.
With the token set to move toward its $0.06 launch price, the remaining allocation at $0.035 has become a focal point for investors interested in early top crypto opportunities. As Phase 6 nears completion, the pressure around the final supply is increasing, creating a narrow window for entry at the current level.
Mutuum Finance has seen a 250% increase, raised over $19M, drawn in 18,300+ holders, completed major audits, introduced real lending mechanics and pushed its offering to the final stretch. With only a small amount of supply remaining at $0.035 and V1 approaching in Q4 2025, the token is gaining momentum at one of the most critical moments of its early growth.
For investors tracking the next 100x coin or the best crypto to buy now, Mutuum Finance is becoming one of the top names to watch as Q4 progresses and the window to secure this price is closing quickly.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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