Mutuum Finance (MUTM) Tipped as the Best Cheap Crypto to Buy Now, Analysts Eye $1–$2 Before Next Bull Run

Every bull cycle starts with undervalued tokens that offer strong use cases and low entry points. Traders scanning new projects for the next breakout wave are now turning their focus toward Mutuum Finance (MUTM).

Priced at just $0.035, this DeFi protocol is gaining traction among those seeking real yield, practical utility, and scalable growth. Analysts tracking market data and the crypto fear and greed index believe the current setup positions MUTM as one of the best value plays before the next uptrend.

Lending and Borrowing Form a Real Ecosystem

The presale remains the entry gate for early backers. Phase 6 has already raised about $16.9 million and crossed 60% of its allocation. More than 16,800 holders have already joined the ecosystem.

The token price sits at $0.035, with Phase 7 set at $0.040, marking a 15% increase. Total supply is capped at 4 billion MUTM, audited by CertiK with a TokenScan Score of 90.00 and a Skynet rating of 79.00. 

With over 12,000 followers on Twitter and rapid community growth, Mutuum Finance (MUTM) is building traction faster than most early DeFi startups. Early participation now means securing a cheaper entry before the next pricing phase goes live.

Mutuum Finance (MUTM) is building a lending network that will redefine decentralized finance through two main systems: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In P2C mode, users will supply tokens such as ETH, BTC, and stablecoins like USDT and USDC into liquidity pools.

Borrowers will access these funds by providing overcollateralized assets. Each lender will receive mtTokens as a receipt for their deposits, representing ownership and earned yield.

Borrowers will operate within controlled loan-to-value (LTV) ratios to protect lenders from risk. High-quality assets like ETH will support up to 75% LTV, while more volatile tokens will be restricted to lower levels.

This structure will ensure stability and security for participants. The system will also include liquidation triggers that protect pool solvency in case collateral values drop. This combination of lending precision and collateral discipline gives MUTM its real-world DeFi use case — continuous borrowing and lending activity that creates transaction demand for the token itself.

Mutuum Finance (MUTM) has shared plans to launch a new crypto lending and borrowing system. The first version, called V1, will go live on the Sepolia Testnet toward the end of 2025. It will come with main features such as a liquidity pool, mtToken, debt token, and a liquidator bot to keep things running smoothly. At the start, users will be able to lend, borrow, and use ETH or USDT as collateral in a secure and easy way.

Layer-2 Boost and Beta Launch Catalyst

Scalability is a major focus for Mutuum Finance (MUTM). The platform will operate with Layer-2 integration, reducing gas fees and enabling faster transactions for users worldwide. This feature will make lending and staking efficient even for smaller deposits, expanding access to retail users.

The beta launch, scheduled at the token live event, will let users test the platform’s real functionalities — lending, borrowing, and staking mtTokens for MUTM rewards. This practical trial will prepare the market for live adoption once the platform goes public. It will also help refine the system’s interface and user flow.

For early users, the experience will highlight how easy it will be to earn consistent returns in a decentralized environment. The project’s live dashboard and leaderboard already track performance and engagement across the community, helping users monitor activity transparently.

Buy-and-Distribute Mechanism Supports Price Floor

Mutuum Finance (MUTM) has engineered a built-in buyback and distribution system to strengthen token demand. A portion of protocol revenue will be allocated for buying MUTM from the open market. The repurchased tokens will then be distributed to mtToken stakers as rewards. This cycle will repeat as platform activity grows, creating constant buy pressure.

As the lending ecosystem expands, transaction fees and borrowing income will increase. That revenue will feed directly into buybacks, which reward committed participants. Over time, this steady feedback loop will create a stronger price base. Similar buyback-based DeFi models have historically triggered 5–10× revaluations once liquidity expands, and analysts see Mutuum Finance (MUTM) following a comparable growth curve.

The key difference is that MUTM has a much lower valuation. This gives it a greater runway for the compounding growth. The token will value framework towards the target range of $1-$2 in the next bull cycle with the combination of real lending utility and Layer-2 scalability.

The crypto community’s interest in the investment market and the market’s sentiment suddenly becoming positive correspond to the traders looking for projects that carry both core innovation and low entry costs. Mutuum Finance (MUTM) fits the bill to the ‘T’—audited, operational, and early.

The investors, who manage to enter before Phase-6 closing, will secure themselves at the lowest price as $0.04 is the new price for the next presale phase. The presale’s time-to-buy window is getting shorter and shorter due to the community’s excitement. For various investors who want to be part of the upcoming big DeFi story, MUTM emerges as the most promising affordable crypto to buy now.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance