There is a new pricing model that is indicating a DeFi altcoin that could be on the verge of a huge breakout soon as it reaches the next phase of its roadmap. And with just 5% of the tokens remaining in the under $0.04 price range, traders are being attracted to Mutuum Finance (MUTM) to find good early beginnings, while the V1 testnet is still set to come in Q4. The momentum is gaining at a rapid pace and most investors have begun to take MUTM as a possible top crypto leader early 2026.

Mutuum Finance (MUTM)

Mutuum Finance is developing a lending protocol that is decentralized, and has two lending environments that are linked. Considerations like ETH or USDT can be lent out by the user. When they loan, they are given mtTokens. The value of these mtTokens is enhanced with the payment of interest by the borrowers. 

The system is applied by borrowers whereby they have the freedom to modify rates depending on the liquidity. Borrows remain inexpensive when liquidity is full. As liquidity restrains itself, it gets more expensive to borrow. Loan to value regulation does not allow the user to borrow the amount of money that cannot cover their collaterals. Liquidation is possible in case of too large collateral. Part of the debt is repaid to liquidators and the collateral is discounted and a system is kept stable.

Mutuum Finance (MUTM) started at $0.01 in early 2025. The token is currently priced at $0.035, which is a 250% increase in the process of development. The project has already raised $19.1M and has attracted a total of more than 18,300 holders, with good sales of over 810M tokens. 

V1 Launch

On the official X account, Mutuum Finance declared the launch of the V1 testnet is scheduled to take place in Q4 2025. The liquidity pool is present in the first version together with the mtTokens, the debt system and the liquidation engine. At the time of launching, ETH and USDT will be accepted. This is a significant milestone as the users will be in a position to test the lending functions in real time.

A major priority has been on security. Mutuum Finance has undergone the CertiK audit with the score of 90/100 Token Scan. Halborn Security is examining the fundamental contracts. There is a $50,000 bug bounty open to further testing. Such foundations are important since users require a guarantee that a lending protocol is safe before they make a liquidity commitment.

According to some early analyst models, under conditions of succeeding increase in the borrowing activity post-V1, the 3x to 5x increase in the current levels of MUTM could be experienced. They have an opinion pegged on the yield of mtToken, better liquidity and the demand that was constructed within the system.

Buying Pressure and Daily Incentives 

The core of the Mutuum Finance is made up of mtTokens. It is through lending that users increase the value of their mtTokens whenever the borrowers are repaying interest. This gives a stable APY which is based on activity rather than inflation. The design is supportive of long term engagement because returns will be subject to protocol utilisation.

Mutuum Finance is also based on the buy and distribute model. Part of the revenue of the protocol purchases MUTM on the market. Such tokens are sent to users who stake mtTokens. This creates the pressure of a constant buy that increases with the increase in the volume of borrowing. It also associates token demand with platform performance.

The 24-hour leaderboard enhances daily attendance. The most active player per day is given $500 in MUTM, which would keep the users playing at all times all over the world. Due to the yield loop, the buy pressure, a number of analysts reckon that MUTM may see a 5x upswing post-V1 should the liquidity become even deeper and staking potentially increases in the size of mtTokens.

Layer-2 Plans

Mutuum Finance is planning a USD pegged stablecoin. It will be printed and mutilated on demand and be secured by interest on loans. Stablecoins contribute to the expansion of DeFi systems as they provide predictability in borrowing and raise the liquidity. A lot of working lending protocols do not scale much before the addition of stablecoins.

The project is also preparing to expand to layer-2 networks. The faster interactions and the reduced costs are made possible through L2 deployment. This is an advantage to lending protocols since they would need to have collateral, interest, and liquidation levels updated on a regular basis. Expansion to L2 networks will enable Mutuum Finance to gain access to more users and establish stronger liquidity.

Other long-term views indicate that in an ideal scenario where the usage of stablecoins and the L2 rollout continue to follow schedule, MUTM may experience an increase of 600% over the course of the next cycle in the market.

The current allocation of phase 6 is 95% with a remaining 5% of tokens below $0.04. Late presales tend to go through zones a lot quicker since the purchasers anticipate a different charge in the nearest future. The disparity in the price of $0.035 and the initial price of $0.06 injects more urgency in the traders.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance