Mega actions in crypto usually begin unannounced. Supply becomes restricted, development is evident, and action changes transitioning to prices not entirely responding. That trend is beginning to take shape with one new cryptocurrency as its available allocation is becoming thinner. With less than one percent of the current phase left, focus is shifting to what it seems would be much more dissimilar to most late-cycle altcoins.
Presale Progress
The current price of Mutuum Finance (MUTM) is set at $0.035, which was achieved after a gradual increase in the course of various presales. The token has already surged over 250% since it began sale in early 2025 and today, it is selling at a different level (as compared to its position in Phase 1) at $0.01. That growth has not been occasioned by spurts, but steady demand throughout the stages.
The presale has raised an approximate of $19.45M and the participation is amongst over 18,650 holders. The presale has 45.5% of a fixed 4B total supply. That equals about 1.82B tokens. To date, approximately 825M of the tokens were sold.
An all-occurring phase 6 is now over 99% allocated, and this implies that supply in the present price is almost exhausted. It was officially launched at a price of $0.06, which puts the early entrants of the initial phases in a place where they can increase their price by 500% by the time of the release. The following phase will bring with itself an increase in prices of approximately 20%, a move that in the past speeds up distribution as supply balances remain scarce.
Mutuum Finance also has a 24-hour leaderboard to maintain activity throughout this phase. The leading daily participant has a reward of $500 in MUTM, which is a motivation to ensure orders are placed on a regular basis and not a single purchase.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is essentially a DeFi crypto protocol that is dedicated to lending and borrowing. The model is based on two lending markets that bridge the relationship between capital providers and borrowers with explicit regulations.
The people who put in assets are issued with mtTokens which reflect their status and increase in value as interest is accumulated. These mtTokens are directly related to protocol use such that there is a distinct connection between activity and yield.
One of the characteristics is the buy-and-distribute model. Some of the protocol fees are utilized in buying MUTM available in the market. The latter are then reallocated to users staking the mtTokens in the safety module. In this structure, the revenue is tied to the token demand rather than attention cycles.
Security has been considered as one of the fundamental requirements. Mutuum Finance has scored a 90/100 CertiK scan token and Halborn Security is undertaking an independent audit on the lending and borrowing contracts. The codebase is complete and on the formal analysis, with a bug bounty program of $50k.
Stablecoin Plans, Oracle and Price Prospect
Further afield, Mutuum Finance will eventually launch an overcollateralized borrower-backed stable-coin. Assets that are not volatile are expected to become more utilized each day, and thus lending demand, as well as capital efficiency in the entire protocol, are likely to enhance.
This system is also developed based on the strong oracle infrastructure. Feeds built on Chainlink will be used to provide appropriate valuations and fallback oracles as well as price aggregations. In the case of lending platforms, consistent pricing is a requirement to both liquidations and risk management.
According to some analysts, such a combination of factors preconditions a high upside once these products are put to use. Under a bullish market, it is projected that MUTM will be able to rise 6x to 8x of its current position once supply declines and post launch activity begins to pick up. Although results are never guaranteed, the rationale is based on the reduction in availability, observable utility, and demand, pegged on revenue.
Why Timing Matters Right Now
The V1 will go live on the Sepolia testnet in Q4 2025, and the assets will be ETH and USDT. Around the time that milestone is reached, the behavior tends to change into watching to positioning.
Although Phase 6 is almost in its final phase, recent new whale allocations, even a few over $100k, mirror increased confidence as the supply is reduced. Integrated with the possibility of using cards to make payments and constant leaderboard activity, the last segment of this phase is progressing at an extremely rapid pace.
To those following the potential best crypto to invest in or the next big crypto within the coming one year, 2026, Mutuum Finance is in a thin to middle. Still the price is low, infrastructure is almost established and supply available is dying away.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
