Decentralized finance continues to evolve from a niche idea to a practical financial system used by a growing global audience. As DeFi usage expands into 2026, attention will shift to projects that build real infrastructure rather than short-term hype. For investors following long-term crypto predictions, startup protocols with obvious utility and structured growth become the center of discussion. A project that is gaining ground in this context is Mutuum Finance (MUTM)a DeFi lending protocol currently in phase 6 presale and priced at $0.035.
Pre-sale structure
Hot on the heels of this growing interest is the pre-sale structure of Mutuum Finance (MUTM), which explains why many consider it a remarkable new cryptocurrency. The project uses a tiered pricing model that rewards early participation. MUTM started at $0.01 in the first presale phase and has now risen to $0.035 in phase 6. This represents a 250% increase from the initial price, showing steady demand as the presale progresses. The team also indicated an expected launch price of $0.06, reinforcing the idea that the presale is designed to align early access with long-term growth.
Phase 6 is already 98% sold out, adding urgency for those monitoring final availability at this level. The pre-sale structure confirms that Phase 7 will introduce a 15% price increase, taking MUTM to $0.040. This makes the current phase the last opportunity to acquire tokens at $0.035 before the next phase. Demand is further supported by a recent update that allows users to purchase MUTM using a card with no purchase limit, making entry faster and more accessible as supply tightens.
Why Mutuum Finance (MUTM) is adapting to the future of DeFi adoption
Mutuum Finance (MUTM) is built as a dual-model DeFi lending protocol designed to support the next phase of decentralized finance adoption. The platform combines Peer-to-Contract and Peer-to-Peer lending, allowing users to choose how they interact with decentralized liquidity based on their preferences and experience.
Through the Peer-to-Contract model, users will be able to lock stablecoins such as USDT into liquidity pools governed by smart contracts. This structure will provide an automatic way to earn passive income, eliminating the need for manual loan management. The model is designed to be efficient and simple, which aligns with DeFi’s broader trend of making decentralized tools easier to use as adoption grows.
Meanwhile, the Peer-to-Peer model will allow users to enter into direct lending agreements without intermediaries. This system will support personalized loan terms and increased privacy, appealing to users who value control over their financial arrangements. By offering both P2C and P2P within a single protocol, Mutuum Finance (MUTM) positions itself as a flexible solution capable of serving a wide range of DeFi participants as usage grows through 2026.
Developmental advances add credibility to this vision. Phase 1 of the roadmap is fully completed, confirming that the project has already achieved its initial objectives. More than half of Phase 2 is also complete, with the remaining objectives focused on implementing advanced features, implementing risk metrics, and developing advanced analytics tools. The white paper has been updated to reflect these advances, providing transparency on the protocol’s progress and building confidence in ongoing development.
Momentum through launch strategy, token utility, and revenue design
Another key reason why Mutuum Finance (MUTM) aligns with long-term crypto predictions is its planned launch strategy. The project is expected to launch its platform and list the MUTM token at the same time. This synchronized rollout will give users immediate access to live lending and borrowing features from day one, establishing a solid foundation for early activity. Unlike many presales that release tokens without actual use, Mutuum Finance (MUTM) will present a working product from the start.
At launch, users will be able to explore dual lending models and immediately stake mtTokens to earn rewards. This instant utility creates natural demand, as the token will serve a clear purpose within the ecosystem. A live product also boosts the project’s profile with exchanges, as platforms with active use cases often meet SEO requirements more effectively. These coordinated starts support visibility, liquidity and sustained engagement.
The token’s purchasing and distribution mechanism further enhances the long-term value. Mutuum Finance (MUTM) plans to use a portion of its revenue, generated from borrowing fees and platform activity, to repurchase MUTM tokens on the open market. These tokens will then be distributed to users who stake their mtTokens in designated contracts. This structure rewards long-term participation while introducing constant repurchase pressure that supports price strength as usage increases.
Mutuum Finance (MUTM) also confirmed that the first version of its protocol is expected to launch on Sepolia Testnet in Q4 2025. This deployment will introduce core infrastructure, including liquidity pools, mtToken and debt token models, and an automated liquidator bot designed to manage collateral risk. During this phase, users will be able to participate in lending and borrowing using ETH or USDT. Deploying V1 to the testnet will allow the community to quickly interact with the protocol, provide feedback, and support refinement before mainnet launch, building trust as adoption grows.
Community engagement is another driver of growth. Mutuum Finance (MUTM) manages a $100,000 gift to support community expansion. Ten winners will each receive $10,000 worth of MUTM tokens, rewarding early supporters and increasing visibility during the pre-sale phase.
Finally, as DeFi usage expands into 2026, the question of which is the best cryptocurrency to buy focuses more on utility, structure, and timing. Mutuum Finance (MUTM) finds itself at a critical point. The token is priced at $0.035 in phase 6, which is already 98% sold out. A confirmed 15% increase to $0.040 in the next phase makes this the last opportunity to participate at the current reduced price.
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