New Data Suggests This $0.035 Crypto Could Run 600% by Mid-2026, Only 4% Tokens Left

Early investor sentiment indicates that the final 4 percent of the current phase is attracting faster inflows than before. This has led many traders searching for the best crypto to buy now to pay close attention to Mutuum Finance (MUTM).

Mutuum Finance’s Presale Numbers

Mutuum Finance (MUTM) has gained steady traction across its structured early-stage cycle. The token started at $0.01 in early 2025 and rose to $0.035 in Phase 6. This reflects a 250% increase supported by consistent buying rather than short spikes.

The project has raised $19.30M with 18,400 holders, and 820M tokens have been purchased so far. Out of the 4 billion total supply, 1.82B tokens are allocated to the presale, giving the project a wide base of early adopters.

Mutuum Finance is building a lending protocol that operates through a dual-market system. Users can supply assets and receive mtTokens that rise in redeemable value as borrowers repay interest.

Borrowers can also take loans with predictable rules shaped by LTV ratios, liquidation thresholds and rate models that adjust based on utilization. Analysts say this structure is one reason the project is drawing more attention than many other new cryptocurrency options in the same price range.

Security Stack and First Price Analysis

Mutuum Finance confirmed through its official X account that V1 is scheduled to launch on Sepolia Testnet in Q4 2025. The release will include the Liquidity Pool, mtToken system, Debt Token and Liquidator Bot. ETH and USDT will be the first supported assets. This milestone gives investors a clear timeline, which is rare for tokens at this stage.

Security progress is also strong. Mutuum Finance completed its CertiK audit with a 90/100 Token Scan score, which is considered a high confidence signal for projects not yet on mainnet. Halborn Security is conducting an additional audit, and the code is already finalized for review.

Some analysts believe that if V1 adoption grows during the early testnet period, MUTM could begin a major expansion phase. In a bullish scenario, projections show the token possibly rising several times above its current value. A move from $0.035 to a higher early-market level becomes part of the first price forecast circulating among analysts.

Leaderboard Activity and Second Price Forecast

mtTokens are central to Mutuum Finance’s design. When borrowers repay interest, mtTokens become redeemable for a higher amount of the underlying asset. This connects user rewards to real protocol activity rather than inflation. Analysts say this model could help the token grow after launch, especially once borrowing demand strengthens.

The buy-and-distribute model adds another growth driver. A portion of protocol fees is used to buy MUTM from the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. Some analysts believe this creates steady buying pressure that benefits holders during expansion periods.

Mutuum Finance also operates a 24-hour leaderboard. The top daily contributor receives $500 in MUTM, and this incentive keeps engagement high. Users looking at crypto charts say leaderboard activity often aligns with strong demand during late-stage cycles.

With these mechanics combined, analysts outline a second price prediction where MUTM could climb several more times from its current level once the protocol activates. This scenario is based on the idea that real usage, not speculation, becomes the main driver of growth.

Layer-2 Plans

Mutuum Finance plans to introduce a stablecoin backed by interest generated within the protocol. This gives the system another utility layer and helps build a more stable internal economy. Borrowers will have access to a predictable asset, and suppliers will gain more options for managing liquidity. Analysts following crypto predictions say this is one of the strongest signals that the project is preparing for large-scale usage rather than staying limited to a single function.

Layer-2 expansion is also part of the long-term plan. Moving to L2 networks can lower fees and increase transaction speed. This matters for lending platforms because smaller fees attract more users and increase borrowing volume. If the stablecoin launches and the L2 rollout is successful, analysts believe a sustained growth curve could form.

In a bullish scenario, projections show MUTM gaining several hundred percent above current levels. A long-term forecast puts the token significantly higher by mid-2026 if usage accelerates and liquidity deepens. This forms the third and most optimistic price prediction, based on user activity, stablecoin demand and multichain expansion.

Whale Entries and Why This Moment Is Crucial

Phase 6 is now almost full, with roughly 4% of tokens left. This acceleration matters because the next phase will raise the price. As users search for the top cryptocurrencies with the strongest setups, this final stretch is drawing more attention.

Whale entries have been reported, including allocations near $100K. Analysts say this often appears before a major price shift because larger investors prefer entering before a confirmed increase. Their participation supports liquidity and signals growing conviction among early adopters.

Card payment support also makes the process easier for newcomers, reducing barriers for buyers who want quick entry. Leaderboard incentives add daily engagement, and more users are tracking crypto investing opportunities that offer both low entry cost and strong long-term utility.

New data and analyst models suggest a possible run of up to 600% as long as adoption increases through mid-2026. For users searching for the best crypto to buy now, MUTM is becoming one of the most discussed candidates heading into the next cycle.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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