Big moves rarely start with noise. They usually begin when progress happens quietly and most people are still looking elsewhere. A 250% climb often signals that something has already gone right, but when the price remains low, it raises a different question. Is this move finished, or is it only the early stage? That is the situation surrounding this new cryptocurrency at $0.035. For investors asking what crypto to buy now before the next phase begins, the timing is starting to stand out. Behind that number is a project that has advanced steadily rather than suddenly.
What you'll learn 👉
Presale Growth That Has Built Step by Step
Mutuum Finance (MUTM) began its presale in early 2025 at a price of $0.01. Since then, the token has moved through multiple phases, reaching its current price of $0.035. That shift represents a 250% increase during the presale alone, achieved without sharp spikes or sudden drops.
Phase 6 of the presale is now over 99% allocated, meaning supply at the current price is almost exhausted. The official launch price is set at $0.06, which places early participants in a position that many market commentators view as favorable when compared to current levels.
So far, Mutuum Finance has raised $19.45M, attracted 18,650 holders, and sold 825M tokens. From a fixed 4B total supply, 45.5% has been reserved for the presale, equal to roughly 1.82B tokens. These figures point to steady participation rather than short bursts of interest. For those tracking crypto prices today and looking for consistency rather than volatility, this type of progression often matters more than sudden price jumps.
What Mutuum Finance (MUTM) Is Building
Mutuum Finance is focused on one clear goal. Creating a decentralized lending protocol that allows users to put capital to work instead of letting it sit idle. The platform is designed around dual lending functionality, where users can supply assets to earn yield and borrowers can access liquidity against collateral.
When users supply assets, they receive mtTokens. These tokens represent their share of the system and grow in value as interest accumulates. The process is automatic and does not rely on manual reward claims. Over time, the value of mtTokens reflects the performance of the lending pools.
Another core element is the buy-and-distribute model. A portion of protocol fees is used to purchase MUTM on the open market. Those tokens are then redistributed to users who stake mtTokens in the safety module. Some analysts believe this structure supports long-term demand, since usage of the platform feeds directly back into token buying activity.
Security has also been addressed early. Mutuum Finance has completed a CertiK audit with a 90/100 token scan score, adding credibility as development continues. An additional independent audit with Halborn Security is currently in progress, reviewing finalized contracts.
Stablecoin Plans and Oracle Infrastructure
Beyond lending, Mutuum Finance plans to introduce a stablecoin backed by multiple assets. This approach allows borrowers to use diverse collateral rather than relying on a single token. By spreading risk across assets with different volatility profiles, the system can remain more stable during market swings.
Reliable pricing is essential in any lending protocol. Mutuum Finance’s design anticipates the use of decentralized oracle feeds such as Chainlink, along with fallback and aggregated data sources. This helps ensure accurate collateral valuation and fair liquidation processes.
Some analysts believe that strong oracle infrastructure is often overlooked when evaluating new cryptocurrency projects. In a bullish scenario, projections show that combining stablecoin functionality with reliable price data can support broader adoption. Market commentators suggest that this foundation could support a 300% to 500% increase over time if usage grows as expected.
V1 Launch and Why Timing Matters
According to official statements shared on X, V1 of the Mutuum Finance lending protocol is planned for the Sepolia testnet in Q4 2025. Core features include liquidity pools, mtTokens, debt tokens, and an automated liquidator bot. Initial supported assets will be ETH and USDT.
This timing matters. Having a working version available around the token launch period often improves visibility and credibility. Some analysts believe this increases the likelihood of listings on major exchanges, which can attract new users organically.
At the same time, Phase 6 is quickly selling out. As allocation tightens and Phase 7 approaches, supply becomes more limited. Early investor sentiment indicates that these moments often draw interest from larger buyers who prefer entering before a phase transition rather than after.
Whale allocations are particularly sensitive to timing. Larger participants tend to look for projects where supply dynamics and upcoming milestones align. A nearly completed presale phase combined with a clear launch roadmap often fits that profile.
Why the 250% Move May Not Be the End
The fact that this new cryptocurrency has already climbed 250% while remaining under $0.04 is what keeps it in discussions about the best cryptocurrency to invest in today. The price has moved, but the market cap remains relatively modest compared to established assets.
Some analysts believe that if MUTM moves from the current $0.035 level toward and beyond the $0.06 launch price, early participants could see 200% to 300% growth from today’s levels. In more optimistic scenarios tied to adoption and exchange visibility, projections show even higher outcomes over longer time frames.
A 250% presale climb often signals that momentum has already started. The fact that the price remains at $0.035 suggests the story may still be unfolding rather than concluding. With Phase 6 nearly complete, a V1 launch on the horizon, stablecoin plans in development, and a demand-driven token model, Mutuum Finance is entering a stage where early progress can translate into broader attention.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
DISCLAIMER: CAPTAINALTCOIN DOES NOT ENDORSE INVESTING IN ANY PROJECT MENTIONED IN SPONSORED ARTICLES. EXERCISE CAUTION AND DO THOROUGH RESEARCH BEFORE INVESTING YOUR MONEY. CaptainAltcoin takes no responsibility for its accuracy or quality. This content was not written by CaptainAltcoin’s team. We strongly advise readers to do their own thorough research before interacting with any featured companies. The information provided is not financial or legal advice. Neither CaptainAltcoin nor any third party recommends buying or selling any financial products. Investing in crypto assets is high-risk; consider the potential for loss. Any investment decisions made based on this content are at the sole risk of the readCaptainAltcoin is not liable for any damages or losses from using or relying on this content.
