The crypto market is going through a noticeable shift. While most attention remains on established names, a quieter development is unfolding behind the scenes. A newer cheap crypto project has been steadily reaching key technical milestones and building momentum during its early stages. Its structured rollout and measurable progress have attracted growing interest from early participants.
After recording strong growth in its initial phases, expectations are rising that it could become one of the more closely watched performers this year. As the project advances toward its final launch stages, the lower entry window that defined its early distribution period is gradually narrowing.
What you'll learn 👉
Mutuum Finance (MUTM) and the V1 Protocol Launch
Mutuum Finance (MUTM) is a new decentralized lending and borrowing platform built on Ethereum. It is designed to be more flexible than older systems. It uses two main models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, users put their crypto into shared pools to earn interest. In the P2P model, users can negotiate their own loan terms directly with each other. This makes it useful for both stable coins and more volatile assets.
The big news this month is that the V1 protocol is now live on the Sepolia testnet. This is a major milestone because it allows users to test the actual tech before the main launch. Key features include mtTokens, which act as digital receipts when you lend assets and automatically increase in value as interest accrues.
The protocol also includes an Automated Liquidator Bot that monitors loan positions 24/7 to help maintain system stability. In addition, a Health Factor score gives users a clear and simple indicator of whether their loan position is safe or approaching liquidation risk.
The Road to $0.06: Presale Details
The MUTM token is currently in its presale stage. This is a special time where early supporters can buy the token at a discount. The project has a fixed supply of 4 billion tokens, with 45.5% set aside for the presale. So far, the project has raised over $20.4 million and has nearly 19,000 holders.
The token started at just $0.01 in its first phase. It is currently priced at $0.04 in Phase 7, which is a 300% increase (3x) already. The next crypto phase will see the price jump to $0.045. The team has confirmed an official launch price of $0.06. This means that buying now offers a guaranteed gain once the token hits the open market. The demand is so high that phases are selling out faster than expected.
2026-2027 Price Prediction and Growth Catalysts
Many analysts are very bullish about the future of MUTM. They see several factors that could drive the price much higher after the mainnet launch. One catalyst is the buy-and-distribute model highlighted in the project’s roadmap. The protocol uses its own revenue to buy back tokens from the market and give them to stakers. This creates a constant demand for the token. Another catalyst is the move to Layer 2, which will make transactions faster and much cheaper.
Based on these features, analysts predict a strong growth case for 2026 and 2027. Many experts believe the token could reach $0.25 to $0.35 by the end of 2026. Some even see a target of $0.50 to $0.60 by 2027 if adoption continues to grow. This would be a 1,250% to 1,500% increase from the current presale price. Analysts say this is possible because Mutuum is building a product with developing utility.
Security and the Current Entry Window
Safety is a top priority for Mutuum Finance. The project has successfully completed a manual security audit with Halborn, a world-class security firm. It also holds a high 90/100 trust score from CertiK. These audits prove that the code is safe and ready for institutional-grade use. To add more protection, the team also has a $50,000 bug bounty active for the community.
Right now, the MUTM is still available at $0.04. Compared to the confirmed $0.06 launch price, this is a massive 50% discount. In fact, if you look at the long-term potential, the current price is a huge bargain. With a working protocol on the testnet and top-tier security in place, Mutuum Finance is checking every box. The 24-hour leaderboard also offers a $500 bonus to the top daily contributor, keeping the community very active.
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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