Mutuum Finance (MUTM) is entering one of the most important stages of its development, and the crypto market is already taking notice. With the $0.035 DeFi token moving through its final presale phase and the long-awaited V1 release approaching, many investors wonder whether this new crypto could deliver one of the next major breakouts of 2026. As anticipation builds, analysts are beginning to model scenarios where MUTM could rise several multiples after its first live version goes public.
Yield Structure and Strong Presale Progress
Mutuum Finance is building a decentralized lending system centered around two lending environments. The Peer-to-Contract (P2C) structure allows users to supply assets into liquidity pools. In exchange, they receive mtTokens that increase in value as borrowers repay interest. These mtTokens create APY tied directly to real lending activity. For example, if a user supplies $1,000 worth of USDC, the mtTokens they receive will appreciate over time as demand for loans increases.
The Peer-to-Peer (P2P) model provides borrowers with more flexibility. Users can choose variable rates that move with utilization or stable rates when predictable borrowing costs matter more. Loan-to-value limits help maintain safety. Lower-volatility assets often support LTV ratios near 75%, while more volatile assets remain closer to 35% to 40%. If collateral falls below required thresholds, automated liquidations are triggered. Liquidators purchase discounted collateral to repay debt, protecting the system from cascading losses.
The presale began in early 2025 at $0.01. As interest increased across each stage, the token climbed to $0.035, marking a 250% growth before launch. Mutuum Finance has now raised more than $19M and grown to over 18,200 holders. Out of its 4B total supply, 1.82B tokens are allocated to the offering and more than 800M have been sold. Phase 6 is now nearing completion, with allocation levels rising daily as the V1 release approaches.
V1 Launch Timeline and Security Review
According to the official Mutuum Finance X account, V1 is scheduled to launch on the Sepolia Testnet in Q4 2025. This first release will introduce all core components of the lending protocol. The version will include the main liquidity pool, the mtToken system, the liquidation bot and the debt-tracking token. ETH and USDT will be supported from day one, giving users direct access to the platform’s primary lending and borrowing tools. For a new crypto entering the DeFi space, having these functions available at Testnet launch is a significant step, as it allows early users to explore how the DeFi crypto system behaves before the mainnet version goes live.
Security continues to play a central role in Mutuum Finance’s development. The project has already completed a CertiK audit, achieving a 90/100 Token Scan score, which is above the average for most early-stage projects. In addition to this, the lending and borrowing contracts are undergoing a full review by Halborn Security, a firm widely recognized for auditing large-scale blockchain and top crypto protocols. Halborn is evaluating the contract structure, liquidation logic, mtToken behavior and oracle integrations to ensure all components function safely under different conditions.
This multi-layered verification process is intended to reduce risks and prepare the system for user testing. With both CertiK and Halborn involved, expectations for a stable and smooth V1 rollout have increased. Investors following this next crypto project view the dual-audit approach as an important indicator that Mutuum Finance is progressing with long-term reliability in mind.
Because of this level of development and early traction, many analysts believe MUTM could rise sharply once the $0.06 launch price goes live. Some projections indicate that the token could reach the $0.25 to $0.35 range in its first strong market period after V1. These forecasts are based on the demand structure seen during the presale and the real usage expected from the lending platform.
Second Price Projection
mtTokens play a central role in the yield mechanics of Mutuum Finance. Unlike many staking-based DeFi systems, where returns rely on inflation, mtTokens are tied to true lending activity. As borrower demand increases, mtTokens appreciate, and suppliers earn higher returns.
Mutuum Finance also includes a buy-and-distribute mechanism. A portion of protocol revenue buys MUTM tokens on the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This creates long-term buy pressure and supports price sustainability in a way that meme tokens or low-utility coins cannot match.
Accurate pricing is another essential part of the platform. Mutuum Finance is integrating Chainlink oracles along with fallback oracles and on-chain metrics. These help ensure fair liquidations, safe borrowing conditions and stable collateral management even during volatile swings.
With these mechanics working together, several market analysts project that MUTM could reach the $0.35 to $0.50 range as long as adoption grows consistently through 2026 and the platform gains real usage. From its current $0.035 price, this would represent a potential 800% increase in a favorable market cycle.
Why Analysts Compare MUTM to Early Solana
Some analysts have begun comparing Mutuum Finance’s growth patterns to Solana’s early years. Solana gained traction because it introduced a high-utility system early, delivered strong development milestones and attracted interest just before its breakout period.
Mutuum Finance is showing several indicators that resemble the early stages of successful projects. The team is preparing a working product before the token launches, supported by strong funding and fast community growth. The protocol offers dual-model utility rather than relying on a single-feature narrative, and it has already completed security audits by recognized firms. Demand has also remained consistent throughout the presale, adding to the project’s early momentum.
Mutuum Finance aims to build a fully functional lending and liquidity ecosystem, not a temporary speculative token. This focus on utility is a major reason analysts believe MUTM may follow a similar early-stage trajectory to successful platforms like Solana — even though the market environment is different.
With V1 approaching, growing presale activity and an expanding user community, the project is entering a critical period where momentum typically accelerates. Many early Solana investors entered at similar points in that project’s roadmap, which is why comparisons continue to surface across market commentary.
Mutuum Finance is emerging as one of the strongest DeFi projects entering 2026. With dual lending markets, mtToken yield mechanics, a buy-and-distribute system, strong oracle design, a native stablecoin coming, layer-2 expansion plans, and audits from both CertiK and Halborn, the project is building a robust foundation.
With the presale price still at $0.035 and V1 expected in Q4 2025, interest continues to rise. Analysts modeling future scenarios see potential movements toward the $0.35 to $0.50 range in a favorable market — representing a possible 800% increase from current levels. As Phase 6 nears completion and attention grows across DeFi communities, Mutuum Finance is positioning itself as one of the top crypto breakout candidates for 2026.