The crypto market is shifting fast as many traders are moving their funds away from slow large-cap coins and into presales that offer stronger growth potential and real utility.
Among the latest standouts is Mutuum Finance (MUTM) — a protocol that blends decentralized lending, staking, and stablecoin mechanics under one growing ecosystem. With the token now priced at $0.035 in Phase 6, a growing number of investors are calling it the next crypto to hit $1 sooner than expected.
Mutuum Finance (MUTM) has already raised around $18 million in total presale proceeds. The ongoing Phase 6 offers tokens at $0.035, and 75% of its 170 million supply is already taken. More than 17,450 holders have joined across all presale phases, building early trust in the project’s roadmap. The next phase will lift the price to $0.040 — a 15% increase — making this one of the best cheap crypto to buy now before it climbs higher.
The Engine Behind the Demand
Mutuum Finance (MUTM) has built its foundation on a dual-lending system that combines two types of lending. Peer-to-Contract (P2C) lets users supply liquidity into audited smart contracts, while Peer-to-Peer (P2P) allows lenders and borrowers to set custom terms for specific assets. Both systems are designed to create consistent usage and recurring demand for MUTM across the ecosystem.
A major part of Mutuum’s growth strategy will come from its decentralized stablecoin, planned to stay near $1 through strong overcollateralization. This stablecoin will only be created when a user opens a loan and will be destroyed when that loan is repaid or liquidated. Governance will control the borrowing rates to help keep the price near $1. If the stablecoin trades above $1, interest can be lowered to expand supply; if it dips below, interest can rise to restore balance. By keeping this system transparent and rule-based, Mutuum Finance (MUTM) will create a dependable stable asset that anchors all lending and borrowing. That stability will encourage more users to open positions, helping grow protocol activity and reinforcing continuous demand for MUTM tokens.
Reliable pricing will also play a major role in this growth story. Mutuum Finance (MUTM) will use Chainlink-style oracle feeds for both USD and native asset valuations, along with backup price sources like aggregated feeds and on-chain time-weighted averages. This accuracy will allow users to hold larger positions with fewer unnecessary liquidations, improving platform trust. As more traders rely on dependable data, the lending pools will see higher activity. Greater activity means more fee revenue — and that translates into stronger economic value for MUTM within the system.
Reward Flow and Investor Timing
Mutuum Finance (MUTM) will conduct a buy-and-distribute reward cycle to keep token demand high. Some of the revenue that the protocol makes from borrowing and lending will be used to buy back MUTM on the open market. Users who have staked their mtTokens in certain contracts will then get these tokens back. This system closely ties platform use to token demand, which rewards users who stick around for a long time.
Mutuum Finance recently tweeted from its official X account that the V1 of the protocol will be launched on Sepolia Testnet in the fourth quarter of 2025. This first version will have important features including a liquidity pool, mtToken, debt token, and a liquidator bot to keep the system safe and running smoothly. First, people will be able to borrow and lend money with ETH or USDT as collateral.
This early testnet launch will help people get to see how the platform works before it goes live for real. By testing the project’s main features, users can gain confidence in it, which will lead to more people using it and a higher chance of the token’s value going up.
The difference in when people invested has already been clear to early investors. Someone who took part in Phase 1 of the presale at $0.01 spent $5,000 for 500,000 MUTM tokens. At the current price of $0.035, that same stake is worth $17,500. When MUTM hits $1, those tokens will be worth $500,000, which shows how valuable it is to get in on a project early.
Community Strength & Security Incentives
Community strength adds further support to Mutuum Finance (MUTM). The project already has over 12,000 Twitter followers and continues to grow daily. The 24-hour leaderboard is live, offering a daily $500 MUTM prize to the top investor, refreshing at midnight UTC. Alongside this, a $100,000 giveaway is live, offering ten winners $10,000 each in MUTM — a strong sign of community focus and incentive alignment.
To ensure long-term safety, the project is under a CertiK-style security review and runs a $50,000 USDT bug bounty program. Critical findings can earn up to $2,000, while smaller reports still get rewarded.
Conclusion
Mutuum Finance (MUTM) stands at a rare crossroad where technology, timing, and tokenomics align. With Phase 6 already 75% complete and the next price step to $0.040 coming soon, this presale offers the last chance to secure MUTM before the next increase. For investors watching for the next breakout, the setup is clear — the dashboard is live, the mechanisms are strong, and the roadmap is well-defined. The next major leap may arrive faster than many expect, making Mutuum Finance (MUTM) one of the best cheap crypto to buy now for those eyeing the $1 mark.
