A new DeFi altcoin is entering a watershed moment. Mutuum Finance (MUTM) is nearing the end of Phase 6 and interest is growing rapidly as traders look for the best crypto to buy now before the next major price rally. With Phase 6 almost fully allocated and new buyers arriving at a rapid pace, the presale is approaching a point where demand could outstrip availability. Some analysts believe this late surge could signal strong upside potential through 2026.
What the protocol builds
Mutuum Finance began its presale in early 2025 at $0.01. Today, the token stands at $0.035, reflecting a 250% rise since the first milestone. The project has already raised $19.1 million, attracted over 18,300 holders and sold over 810 million MUTM tokens. Of the total supply of 4 billion, 1.82 billion tokens have been reserved for presale. Almost half of them are already purchased.
Mutuum Finance is building a lending protocol designed around dual markets that support on-chain borrowing and lending. The system creates real yield through interest repaid by borrowers and uses on-chain liquidity to keep markets active. This early traction is part of why analysts have started including MUTM in lists of top cryptocurrencies to watch for 2026.
V1 release schedule, security layers and first price projection
The Mutuum Finance team confirmed on its official X account that the V1 testnet is planned for the fourth quarter of 2025 on the Sepolia network. The first version includes the liquidity pool, mtTokens, debt tracking system and liquidator robot. ETH and USDT will be the initial lending, borrowing and collateral assets.
Safety was a major objective of the project. Mutuum Finance completed a CertiK audit with a Token Scan score of 90/100, and Halborn Security is performing a full review of the protocol’s lending and borrowing agreements. The project also launched a $50,000 bug bounty aimed at strengthening the smart contract base ahead of launch.
With the testnet and audits well ahead of the mainnet, analysts believe MUTM could achieve high early visibility on exchanges. Some analysts estimate that in a bullish scenario, MUTM could surge 400% to 500% in 2026, especially as borrowing activity expands rapidly after the protocol’s implementation.
mtTokens, purchasing and distribution system and daily leaderboard activity
Mutuum Finance rewards providers by issuing mtTokens, which increase in value as borrowers pay interest. Instead of offering fixed rewards, Mutuum Finance lets demand drive yield. When users borrow more, mtTokens grow faster and providers earn more.
The protocol will also use a purchasing and distribution system that many analysts see as a key long-term driver. A portion of the platform’s revenue will be used to purchase MUTM on the open market. These tokens are then redistributed to users who put mtTokens in the security module. This creates constant buying pressure and increases the demand for tokens as the platform grows.
Daily activity is boosted through the 24-hour leaderboard, where the top contributor receives $500 in MUTM. This feature helps maintain consistent inflows and keeps the presale active even during the quietest market hours.
Due to these elements, some market commentators suggest that the token could rise by 600% or more during its first strong cycle, particularly if the exchange listings and purchase and distribution system lead to an early liquidity expansion.
Layer 2 extension
Mutuum Finance is also developing a USD-pegged stablecoin that will be minted and burned on demand. Borrower interest will help support the strength of the stablecoin, giving the protocol an internal liquidity engine.
Layer 2 expansion is another major part of the roadmap. Mutuum Finance aims to deploy its lending system across multiple channels, including popular L2 networks where fees are low and activity high. Multi-chain support could foster deeper borrowing markets, increased supplier activity, and larger liquidity pools.
To ensure accurate pricing of liquidations, the protocol will rely on Chainlink feeds as well as backup oracles and on-chain aggregated data. This protects users from incorrect pricing and helps keep loan liquidations smooth, even during volatile times.
With these tools in motion, analysts estimate that MUTM could see an upside of up to 800% by the end of 2026 if market conditions strengthen and user activity increases at the rate seen in previous DeFi cycles.
Whale entries increase
Phase 6 is now close to full allocation, with only a small percentage remaining. As more traders look for new cryptocurrency opportunities with higher upside potential than large-cap coins, there is growing interest in Mutuum Finance. The low entry price of $0.035 has become a focal point for investors looking to gain exposure ahead of the launch price of $0.06.
Whale activity also added to the urgency. During the early stages, Mutuum Finance experienced days where fundraising jumped by more than $120,000 in a matter of hours. Events like this often indicate that larger buyers are jumping into pre-selling, which creates confidence for smaller backers. Analysts say whale entries tend to accelerate late selling, especially when the price is about to rise.
The end of Phase 6 marks a key moment in the project. Once this stage is complete, the next price rise will arrive and demand may increase as traders react to the higher valuation. Early investor sentiment indicates that many buyers consider this to be one of the best cryptocurrencies to invest in before the next wave of DeFi launches hits the market. With the testnet near, audits underway, and the launch of a stablecoin and purchasing and distribution system, the remaining Phase 6 allocation is moving forward quickly.
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