One DeFi crypto is rapidly increasing, even compared to the explosive spread of Shiba Inu in 2021, in the opinion of an increasing number of investors. These investors consider that this new DeFi altcoin is proving even more popular. As development progress receives significant revisions and as the distribution of funds tightens, Mutuum Finance (MUTM) can be considered to be entering the spotlight in conversations regarding popular cryptocurrencies priced below $0.05.
Mutuum Finance (MUTM) Platform Overview
Mutuum Finance (MUTM) is developing a decentralized lending platform that will feature both a Peer-to-Contract (P2C) and a Peer-to-Peer (P2P) environment. In the P2C model, users lend out assets such as ETH or USDT and receive mtTokens in return. These mtTokens increase in value with the payment of interest by borrowers. In the P2P environment, borrowing interest rates vary with liquidity, and loan-to-value policies regulate safe borrowing habits. Liquidation can occur if the collateral becomes excessively low. Liquidators cover a portion of the debt and seize discounted collateral.
This structured approach presents a strong contrast to the 2021 rise of SHIB, which was largely driven by sentiment, social trends, and speculation. Mutuum Finance is also being characterized as a utility-focused new crypto, a distinction that some investors believe positions it better for long-term outperformance compared to meme assets.
Presale Growth, Metrics, and Early Price Action
Mutuum Finance commenced its journey in early 2025 with an initial price of $0.01. The token is currently trading at $0.035, marking a 250% increase since its inception. The project has also attracted over 18,400 holders, with a total value of $19.2 million. More than 810 million MUTM tokens have already been sold.
The total token supply is 4 billion. Of this, 1.82 billion tokens, equivalent to 45.5%, are allocated towards presale phases. Phase 6 has now surpassed 95% completion, leaving a limited number of tokens available at the current price. The official listing price is set at $0.06, which has also contributed to accelerating participation, as the price difference between the presale and listing is significant.
Mutuum Finance also features a 24-hour leaderboard where the top user wins $500 worth of MUTM daily. This initiative has fostered continuous daily interaction and engagement from users worldwide. Onboarding has been simplified through card payment access, making it easier for new participants to engage with DeFi.
V1 Schedule, Security Stack, and Analyst Expectations
Mutuum Finance has confirmed via its official X account that the V1 testnet is scheduled for deployment in Q4 2025. The V1 release will introduce the lending pool, mtTokens, liquidation instruments, and the debt-tracking module. It will launch with support for ETH and USDT. This upcoming milestone is expected to attract new users as the protocol nears its live operational phase.
The project's commitment to security has also played a significant role in building trust. Mutuum Finance has undergone a CertiK audit, achieving a score of 90/100 on Token Scan. Halborn Security is currently conducting checks on the lending contracts to ensure they function as intended. Additionally, a $50,000 bug bounty program is active to address any issues prior to the V1 release.
Initial growth models suggest that protocol-related yield, repurchase mechanisms, and scalable lending features could enable the token to outperform traditional meme-based assets. Several analyst forecasts project MUTM to achieve a 5x to 7x return following the V1 activation, contingent on an increase in borrowing demand.
Layer-2 Scaling and Future Outlook
According to the official roadmap, Mutuum Finance plans to introduce a USD-pegged interest-backed stablecoin. Stablecoins are commonly integrated into lending ecosystems as they ensure predictable borrowing and enhance liquidity. This development is expected to contribute significantly to the platform's growth.
The project will also be deployed across various Layer-2 networks. Layer-2 support offers reduced fees and increased throughput, which is particularly critical in lending markets where collateral updates, interest calculations, and liquidations occur frequently. Layer-2 activities are also anticipated to spur growth and reinforce greater liquidity.
Chainlink feeds will serve as the primary oracle layer within the protocol. Utilizing reliable price inputs is crucial to avoid liquidation errors. Precise pricing is one of the most significant aspects of lending platforms, making this arrangement vital for long-term viability.
With these features in place, certain long-term models have projected a potential upside of 800% over the next crypto cycles.
Mutuum Finance (MUTM) has already surged 250%, raised $19.2 million, attracted over 18,400 holders, and is nearing the completion of Phase 6 with more than 95% of its allotment sold. With V1 scheduled for activation in Q4, and bolstered by audited contracts, mtToken yield, buy pressure, stablecoin development, oracle protection, and Layer-2 planning, the project is accelerating at a pace significantly faster than many pre-staged tokens.
Investors tracking emerging crypto opportunities believe that Mutuum Finance is poised to become one of the most powerful early arrangements heading into 2026, especially as demand increases and remaining tokens at $0.035 are acquired.