A new crypto trend is forming across the market. Many investors are watching a rising DeFi token that is gaining momentum faster than expected. The project has already delivered a 250% jump since launch, and some analysts believe its next move could arrive sooner than most traders expect. With interest shifting toward new crypto coins with real utility, this one is now appearing in crypto predictions for 2026.
Mutuum Finance Presale and What the Project Is Building
Mutuum Finance (MUTM) is an Ethereum based defi crypto protocol that is creating dual lending markets. The idea is to let users lend and borrow crypto assets in a fully non custodial system. The project is building smart contract markets that manage yield, liquidity and borrowing rules without middlemen. The team aims to give users more control and more efficient tools for crypto investing.
The presale is now one of the most active new cryptocurrency events of this year. Mutuum Finance started in early 2025 at $0.01. It is now priced at $0.035 in Phase 6. That is a 250% gain since Phase 1. The project has raised $18.8 million, reached 18,000 holders, and sold 800 million tokens. Out of the 4 billion total supply, 45.5% is allocated to the presale. Buyers can use a card with no limits, which has helped the demand accelerate.
At $0.035, many investors consider MUTM one of the best crypto to buy now because the launch price is set at $0.06. This gives a clear early target before the token appears on exchanges.
Security Audit and First Price Prediction
Mutuum Finance confirmed on its official X page that the first version of the protocol will launch on the Sepolia testnet in Q4 2025. The V1 build will include the liquidity pool, mtTokens, debt tokens and the liquidator bot. These four parts are the foundation of the full lending system. The testnet release is viewed as a strong signal that the project is moving from concept to delivery.
The protocol also passed a CertiK review with a 90 out of 100 Token Scan score. Mutuum runs a $50,000 bug bounty for responsible disclosure. This has helped position MUTM as a safer choice among new crypto projects, especially for users who watch security closely.
Based on the current momentum and the upcoming V1 launch, some analysts predict a move from $0.035 to $0.12, which is more than 3x from the current presale price. This first target is considered reachable once the platform shows real activity on the testnet.
24 Hour Board and Second Price Prediction
mtTokens are one of the core parts of the Mutuum Finance system. When users supply assets to the liquidity pool, they get mtTokens in return. These mtTokens grow in value as interest builds inside the pool. The concept is simple and easy to track, which makes it attractive for new crypto users.
The protocol also uses a buy and distribute model. When the platform earns revenue, part of it is used to buy MUTM on the open market. These tokens are then distributed to users who stake mtTokens in the safety module. This design creates long term buying pressure. It is one reason many analysts include MUTM on lists like best crypto to invest in and next big crypto.
The 24 hour leaderboard rewards the top buyer of the day with $500 worth of MUTM. This adds daily activity and improves visibility on social platforms.
With these systems in place, analysts give a second target near $0.25, which would be around 7x from the current presale price. This prediction is tied to early mainnet usage and revenue flow into the buy and distribute system.
Layer 2 Plans With Third Price Prediction
Mutuum Finance also plans to introduce its own stablecoin in a later phase. The stablecoin will be minted and burned on demand. Interest from borrowing markets will flow back into the treasury. This makes the stablecoin part of the revenue engine for the entire ecosystem. It also supports long term sustainability, which is rare among new cryptocurrency launches.
The team is exploring layer 2 expansion as well. Deploying on a layer 2 network would lower fees and increase activity, which is important for lending platforms. With oracles also planned for precise price data, the system is being built with the tools needed for long term growth.
Because of these long term features, some analysts give a third prediction near $0.60. This would be a 1,600% increase from the presale price if the project meets its roadmap, builds real user activity, and grows lending volume.
These predictions are not guaranteed, but they reflect the growing attention from crypto investing communities who look for tokens that can outperform larger caps like SOL, XRP and ETH.
Why Timing Matters Now
Phase 6 is now over 88% allocated. Buyers expect it to close soon because interest has increased after the V1 announcement. Many whales have already made large buys because the supply is fixed at each stage. Once a phase is fully allocated, the price moves to the next tier with no delay. This structure has created a fast moving presale where timing plays a major role.
Whale activity usually signals that large holders see long term value. It also pushes smaller investors to act earlier because they want to lock in the lower price before moving into the next phase.
At this stage, many investors say MUTM is one of the top crypto choices for Q1 2026. It combines a low entry price, growing demand, a strong roadmap and a confirmed V1 launch. With the presale moving closer to completion, the current phase is viewed as one of the most important moments.
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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