A new DeFi crypto project is gaining serious momentum as its allocation nears the edge of a full sellout. With Phase 6 now approaching 99% completion, investors tracking early-stage opportunities say the window at the current price is almost gone. Analysts studying upcoming market cycles believe this project could line up for a strong rally, with several pointing to a possible 10x path once its first public version goes live.
What you'll learn 👉
Rapid Presale Growth
Mutuum Finance (MUTM) began its presale in early 2025 at $0.01. Since then, it has climbed to $0.035, showing a 250% increase even before the protocol’s first release. The project has raised $19.1 million, gathered more than 18,300 holders, and sold over 810 million tokens to early contributors.
Out of the 4 billion total supply, 1.82 billion tokens were allocated for early participants. Analysts say this structure creates strong community ownership, which often supports better long-term growth compared to tokens with concentrated supply.
Mutuum Finance is developing a lending protocol built around real activity. The system uses two lending environments and gives users a way to supply assets, borrow against collateral, and earn yield generated from interest repayments. The protocol is designed to balance liquidity through flexible borrowing rates, clear loan-to-value rules, and accurate liquidations. Early user interest has placed MUTM on lists of top crypto candidates for the next cycle as investors look for utility-focused projects.
V1 Testnet and Analyst Forecasts
Mutuum Finance confirmed through its official X account that its V1 testnet will launch on the Sepolia network in Q4 2025. The first version includes the liquidity pool, mtTokens, the debt-token system, and the liquidator bot. ETH and USDT will be the first supported assets.
mtTokens are one of the major utility drivers of the protocol. When someone supplies assets, they receive mtTokens that grow in value as borrowers repay interest. This gives users a real yield model based on actual protocol usage instead of flat APR promises.
Analysts say the mtToken system could make Mutuum Finance one of the most active DeFi crypto projects of 2026 because the yield is tied to performance, not inflation.
Another important driver is the buy-and-distribute mechanism. A portion of protocol revenue will be used to buy MUTM from the open market. Those purchased tokens are redistributed to users who stake mtTokens in the safety module. This creates long-term buying pressure and continued demand as the platform grows.
Some analysts now believe MUTM could rise 500% to 900% in its first strong cycle after V1 goes live. Others have modeled a possible 10x increase, citing the combination of real utility, rising community growth, and built-in buy pressure.
Stablecoin Launch
Mutuum Finance is preparing a USD-pegged stablecoin that will be minted and burned based on demand. Borrower interest will support the stablecoin’s backing. Analysts say this is one of the most important future expansions because stablecoins historically help grow DeFi ecosystems much faster.
The team also plans to deploy Mutuum Finance across multiple layer-2 networks. L2 scaling can bring larger borrowing markets, lower fees, and deeper liquidity. Multi-chain support often becomes a major advantage during bull markets, as more users and capital migrate to networks with low transaction costs.
Accurate pricing is also a core priority. Mutuum Finance will use Chainlink price feeds for reliable market data, fallback oracles for redundancy, aggregated data sources, and on-chain DEX pricing where liquidity allows. Analysts say this system helps prevent inaccurate liquidations and protects the health of the lending market.
As long as these roadmap items launch as expected, the next crypto price projections estimate that MUTM could climb 700% or more through 2026. Analysts say stablecoin adoption and L2 deployment are two of the strongest signals for long-term valuation growth.
Security, Bug Bounty, Community Incentives, and Why Urgency Is Rising
Mutuum Finance has focused heavily on security from the beginning. The project completed a CertiK audit with a 90/100 Token Scan score, placing it among the more secure early-stage DeFi protocols entering the market. Halborn Security is reviewing the lending contracts, and the team launched a $50,000 bug bounty to identify issues before mainnet deployment.
The project also uses a 24-hour leaderboard that rewards the top daily contributor with $500 in MUTM. This incentive has pushed consistent participation and has helped increase daily funding numbers through each stage.
Phase 6 is now at 99% completion, which means only a small amount of tokens remain at $0.035 before the price increases. Analysts say that late-stage presales often accelerate sharply as buyers move in to secure the final tokens before the next valuation jump.
A recent $100,000 whale allocation has added even more attention to the project. Large entries like this typically signal strong confidence from higher-net-worth investors and often bring in more retail buyers who do not want to miss the last part of the current stage.
With rising demand, a confirmed V1 launch, strong audits, early user growth, and advanced DeFi features, Mutuum Finance is now one of the most watched new crypto tokens under $0.04.
Mutuum Finance shows several signs of becoming a major entry for the next market cycle. The protocol is preparing a full lending ecosystem with yield-bearing mtTokens, dynamic borrowing markets, a stablecoin system, L2 expansion, accurate oracles, audited code, and rapid community growth.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.comLinktree: https://linktr.ee/mutuumfinance
