A new DeFi token priced at $0.035 is gaining attention as it approaches one of the most important points in its early development. With allocation rising fast and investor activity increasing each week, traders are beginning to ask whether Mutuum Finance (MUTM) could become one of the best-performing altcoins of Q4 2025. Early signals suggest that momentum is building at the right time.
Rapid Presale Growth and Expanding Community
Mutuum Finance launched in early 2025 at $0.01. The current price of $0.035 reflects a 250% rise as the project advances across development stages. The token has attracted significant participation, with $19.1M raised and more than 18,300 holders joining so far. Over 810M tokens have been purchased across all phases.
The total supply of MUTM is 4B tokens. Out of this supply, 1.82B tokens, which equals 45.5%, were allocated for the community offering. Phase 6 has now reached the 95% allocation mark, leaving only a small portion of tokens available at the current price level before the next increase. The official launch price is set at $0.06, and the widening difference between the current and launch value has helped accelerate demand.
The project maintains strong daily activity through its 24-hour leaderboard, where the top contributor earns $500 in MUTM. This feature helps increase visibility, keep buyers active, and support sustained momentum. Mutuum Finance also supports card payment, making entry simple for new users who want an easier onboarding process.
What Mutuum Finance Is Building
Mutuum Finance is developing a decentralized lending protocol designed around a dual-market structure. Users can lend assets such as ETH or USDT and receive mtTokens in return. These mtTokens rise in value as borrowers repay interest. For example, if someone lends $600 in ETH, their mtTokens increase as lending demand grows. This system provides natural APY based on real activity inside the protocol.
The protocol uses a dynamic borrowing model. Borrowing stays affordable when there is high liquidity. When liquidity tightens, borrowing becomes more expensive. Loan-to-value rules determine how much a user can borrow based on collateral. If collateral weakens too much, liquidations may occur. Liquidators repay part of the debt and take collateral at a discount. This system keeps lending markets safe during volatile conditions.
Mutuum Finance also uses a buy-and-distribute structure. A portion of protocol revenue is used to buy MUTM tokens from the market. These tokens are then distributed to users who stake mtTokens. This model creates long-term buy pressure that scales with activity inside the platform.
Security has been a strong focus for the team. Mutuum Finance completed a CertiK audit, scoring 90/100. Halborn Security is reviewing the lending contracts. The project is also running a $50K bug bounty to find any remaining issues before the testnet goes live. These components make Mutuum Finance a utility-backed new crypto positioned differently from sentiment-based meme assets.
Stablecoin Plans and Oracle Network
Mutuum Finance is preparing a USD-pegged stablecoin that will be minted and burned as needed. Borrower interest will back the stablecoin. Stablecoins help expand liquidity and make borrowing easier because they offer predictable value. Many successful DeFi protocols saw stronger adoption only after a stablecoin was introduced.
The project uses a multi-layer oracle structure. Chainlink feeds serve as the primary pricing source. Additional data layers, such as aggregated pricing and decentralized exchange inputs, help prevent liquidation errors. Accurate pricing is essential for lending systems because it protects users and reduces risk during volatility.
Related article: PrimeXBT Unveils Black Friday Sale with 77% Off Bitcoin Trading Fees
Some analysts who reviewed the growing structure believe that Mutuum Finance could see significant appreciation once V1 is released. Several models point to potential 5x to 7x growth from the current price if lending demand increases and mtToken adoption expands. These projections are based on platform mechanics, stablecoin growth, and user participation.
Why Phase 6 Is Moving Fast
Mutuum Finance confirmed through its official X account that the V1 testnet is scheduled for Q4 2025. V1 will introduce the liquidity pool, mtTokens, the debt system, and the liquidation engine. ETH and USDT will be supported at launch. This is the first time users will test the protocol in a real environment. Many investors consider this stage to be one of the most important parts of any DeFi project’s early cycle.
Phase 6 allocation is now near the end. With 95% already filled, the remaining supply is moving faster than in earlier stages. Late presale phases often accelerate because users want to secure tokens before the next price tier goes live. The difference between $0.035 and the launch price of $0.06 has created a stronger push during this stage.
Mutuum Finance also recorded a recent six-figure whale entry that helped reduce the remaining supply even further. Whale participation usually signals rising confidence and can influence retail buyers to enter before the final tokens are taken.
The combination of shrinking supply, audited security, daily participation, and an approaching testnet has made Mutuum Finance one of the top crypto names gaining traction heading into Q4.
For more information about Mutuum Finance, visit the Linktree.
