This Cheap Crypto Is Up 300% and Still Below $0.05, Here's Why

A 300% rally usually means the easy gains are gone. But in early 2026, one cheap crypto is rewriting that script. Despite tripling in value since its initial offering, it is still trading below the $0.05 level — a price zone that continues to attract aggressive accumulation from early believers and larger investors alike.

What makes this move different is not just the percentage increase, but the timing. The surge has come before a full public launch, fueled by technical milestones and growing on-chain participation rather than pure speculation. With the token still priced under $0.05, many analysts argue that the market has not yet fully priced in its roadmap progress. 

What is Mutuum Finance (MUTM) Preparing

Mutuum Finance (MUTM) is a professional, non-custodial lending and borrowing protocol designed to improve capital efficiency in decentralized finance. At its core is a dual-market structure built to serve different user needs.

The first component is the Peer-to-Contract (P2C) model. This system operates through shared liquidity pools that allow lenders to supply funds and borrowers to access liquidity instantly, with rates adjusting based on supply and demand. Alongside this, Mutuum Finance (MUTM) is developing a Peer-to-Peer (P2P) marketplace where participants can negotiate custom loan terms directly.

The project’s growth is backed by a structured and transparent distribution model. Out of a total supply of 4 billion tokens, exactly 45.5% (1.82 billion) are allocated to early participants. This large allocation ensures that the protocol is owned by its community rather than a small group of insiders. 

So far, more than 845 million tokens have been sold to over 19,000 holders. This level of participation has raised over $20.5 million, providing a long runway for the team to complete its technical roadmap.

V1 Launch and Professional Security

According to an official statement on the project's X account, Mutuum Finance has reached a major milestone with the launch of its V1 protocol on the Sepolia testnet. This version is a working product that includes liquidity pools, debt-tracking systems, and the mtToken framework. By delivering a functional app during its early stages, the project has proven it can meet complex technical deadlines.

Security is the top priority for the team. The protocol has completed a full manual audit with Halborn Security, one of the most respected firms in the world. It also holds a high 90/100 trust score from CertiK, confirming the safety of its smart contracts. 

Because of this technical proof and elite security, the first analyst model is very bullish. Projections suggest that once the token hits its confirmed $0.06 launch price, a move to $0.12 or $0.18 is likely as the broader market recognizes the platform's stability.

mtTokens and Buybacks

The core driver of long-term growth for MUTM is its mtToken system and buy-and-distribute mechanism. When users supply assets to the protocol, they receive mtTokens as interest-bearing receipts. These tokens grow in value automatically as borrowers pay interest back into the system. This creates a passive yield that is tracked directly on the blockchain.

To support the token's value after launch, the protocol will use a portion of its fees to buy MUTM tokens from the open market. These tokens are then distributed to the community. This creates a cycle of constant buying pressure and rewards those who hold for the long term. Because of these mechanics, a second price prediction from market experts points toward a 10x to 15x increase from the current entry level within the first year of mainnet activity.

Scaling Toward the 2027-2029 Peak

Mutuum Finance is not just looking at the current year. Its roadmap includes a native, over-collateralized stablecoin and Layer-2 integration. The stablecoin will allow users to borrow value without being exposed to market volatility. Moving to Layer-2 networks like Arbitrum or Optimism will make transactions much faster and cheaper. These steps are crucial for reaching mass adoption and competing with traditional banks.

Long-term price predictions from senior analysts suggest that MUTM could reach targets between $1.00 and $1.50 by 2027-2028. This outlook is based on the protocol capturing a share of the multi-billion dollar decentralized lending market. By providing a safe and scalable hub for credit, Mutuum Finance is positioning itself as a foundational piece of the future DeFi ecosystem.

The window to join at a 50% discount is closing fast. The project is currently in Phase 7, and the token is priced at $0.04. Since starting at $0.01 in early 2025, it has already seen a 300% increase. Phase 7 is selling out at a record pace, and once it ends, the price will automatically jump to $0.045. This makes the current stage the final chance to secure tokens at the $0.04 before the next crypto increase.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance