In crypto, the biggest shifts rarely announce themselves. They arrive when supply tightens, development keeps moving, and attention suddenly converges on one name. That setup is forming now. A new cryptocurrency under $0.04 is drawing fast-growing interest as investors position ahead of a visible transition. The move is not driven by noise. It is driven by progress and timing.
Mutuum Finance (MUTM) is an Ethereum-based DeFi crypto developing a lending and borrowing protocol focused on real usage. On the Peer-to-Contract side, users supply assets to shared liquidity pools and receive mtTokens. These mtTokens increase in redeemable value as borrowers repay interest. For example, supplying ETH returns mtETH, which becomes redeemable for more ETH over time as interest accrues. The APY comes from borrowing demand, not emissions.
Alongside this, the Peer-to-Peer market supports collateralized borrowing under defined rules. Borrowers post collateral and request loans. Lenders choose which requests to fund. Rates adjust with utilization, and stable rates can lock when available. Loan-to-Value limits manage risk by asset type. If collateral falls below thresholds, liquidations run through a controlled process to protect system balance.
According to the official X statement, V1 will launch on the Sepolia Testnet in Q4 2025, moving the project from preparation into public interaction. This milestone is a key reason MUTM appears more often in discussions about what crypto to buy now.
MUTM currently trades at $0.035 in Phase 6. The total supply is 4B tokens, with 45.5%—or 1.82B tokens—allocated to early distribution. To date, 820M tokens have been sold.
The presale began in early 2025 at $0.01, and the token has advanced 250% through structured stages. At the official launch price of $0.06, Phase 1 participants are positioned for roughly 500% growth from the start. Importantly, the next phase introduces a nearly 20% price increase by design. As access narrows, behavior typically shifts from watching to acting.
Participation supports this read. The project has raised $19.30M and attracted more than 18,400 holders, a meaningful base for a lending protocol ahead of first usage.
Security preparation has progressed alongside development. Mutuum Finance completed a CertiK audit with a 90/100 Token Scan score. Halborn Security is reviewing the finalized contracts under formal analysis, and a $50K bug bounty is active to surface issues early.
For a lending protocol managing collateral and liquidations, layered security matters. It reduces uncertainty as the project approaches V1 and is one reason MUTM is discussed among the potential best cryptocurrency to invest in today's options focused on fundamentals.
Phase 6 is over 98% allocated, which tightens availability at the current price. Late-stage phases often attract more interest, not less, especially when the next tier raises the entry level.
Engagement remains visible through the 24-hour leaderboard, which rewards the top daily contributor with $500 in MUTM. Card payments are available with no limits, lowering friction for new participants as attention grows. Recent activity includes $110K whale allocations, a pattern often seen when larger participants position ahead of milestones rather than after them.
Beyond V1, the roadmap includes a protocol-native stablecoin backed by interest generated within the system and planned Layer-2 expansion to reduce costs and increase speed. Oracle infrastructure based on Chainlink, supported by fallback and aggregated feeds, underpins accurate pricing for collateral and liquidations as usage scales. These choices point to durability. They also explain why MUTM features in conversations about top crypto and new crypto projects as investors look ahead to Q1 2026.
Mutuum Finance has already recorded a 250% rise from its starting price. Phase 6 is nearly sold out, and the next phase brings a nearly 20% price step-up. With $19.30M raised, 18,400 holders, strong security preparation, and a confirmed Q4 2025 V1, several signals are aligning at once.
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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