Analysts that keep an eye on the DeFi market think that post-presale platforms will grow quickly in the next several years. Mutuum Finance (MUTM) is gaining popularity as a new cryptocurrency that combines dual lending with sustainable tokenomics.
Experts think the token will be worth $1 by 2026 because people will use the platform, there will be staking incentives, and there will always be a way to buy and sell it. Investors looking for a crypto to buy now will find MUTM’s presale phase an attractive entry point and a candidate among the top cryptocurrencies for 2025–2026.
Dual lending structure positions mUTM for long-term scalability
The foundation of Mutuum Finance (MUTM)’s growth lies in its dual lending model. The Peer-to-Contract (P2C) pools will serve mainstream digital assets, including ETH, BTC, and USDT. Lenders will deposit into audited smart contracts and receive mtTokens representing their share.
These mtTokens will be staked to earn MUTM rewards, while borrowers will post collateral and access loans backed by stablecoins or approved tokens. The system ensures secure, overcollateralized lending with automatic liquidation for risk control.
The Peer-to-Peer (P2P) mechanism targets high-volatility and meme tokens such as SHIB, DOGE, and PEPE. Traders willing to engage in direct lending will negotiate rates and loan amounts with flexibility. By separating high-risk lending from mainstream liquidity, MUTM will maintain capital efficiency while offering diversified yield sources for users.
This dual-market approach is expected to expand the platform’s user base and drive consistent demand for the token—placing it on several top crypto to buy watchlists.
Mutuum Finance (MUTM) is currently in Phase 6 of its presale at $0.035 per token. Over 68% of the 170 million tokens in this phase are sold and generating $17.4 million, attracting more than 17,200 holders overall. Phase 7 will increase the price to $0.040, marking a 15% jump.
This mirrors patterns observed in early-stage DeFi leaders before their public listings. The presale’s strong momentum suggests that MUTM will continue attracting new investors as it approaches its final discounted phase.
Investor examples demonstrate the long-term potential. Someone invested $5,000 during Phase 1 at $0.01 per token, acquiring 500,000 MUTM. By Phase 6, the holdings will reach $17,500, a 3.5x increase in value. When the token reaches its realistic $1 target by 2026, the portfolio will rise to $500,000, delivering a total gain of 100X her initial investment.
This showcases the tangible returns early participants will capture through MUTM’s scalable presale structure and utility-driven platform.
Utility and rewards drive sustained growth
Mutuum Finance (MUTM) will gain long-term value from its integrated P2C and P2P lending features. Users will lend, borrow, and stake assets in designated pools, creating real demand for MUTM. Each platform activity will require the token, generating organic buying pressure.
The upcoming beta launch is expected to go live besides the token live event, provide early access to the lending ecosystem, allowing investors to interact with the platform and verify returns. This early engagement will enhance confidence and attract additional participation.
A critical growth driver to $1 will be the buy-and-distribute cycle. Revenue from lending and platform fees will purchase MUTM from the market and distribute rewards to mtToken stakers. This continuous feedback loop will reinforce long-term price appreciation and incentivize holding.
Investors will benefit from both platform usage and reward compounding, positioning MUTM as a standout choice among best cryptos to buy now in the defi crypto segment. Crypto charts show growing interest and adoption trends in projects that balance utility with strong presale performance.
Sepolia testnet launch
The team has officially announced on its X account that the V1 version of the protocol will soon go live on the Sepolia Testnet.
This release will include major features such as a liquidity pool, mtToken, debt token, and a liquidator bot to keep operations stable and secure. In the beginning, users will be able to lend, borrow, and use ETH or USDT as collateral without any hassle.
This early version will let users test the platform’s core functions before the official launch. As users gain confidence and share positive experiences, the project is expected to attract more attention from investors, boosting demand and possibly raising the token’s price further.
Leaderboard incentives during the presale
Mutuum Finance (MUTM) currently features a dashboard for real-time portfolio tracking and ROI calculations. A gamified leaderboard will reward the top-50 token holders with additional MUTM, motivating larger investments and ongoing engagement.
The 24-hour leaderboard has been updated with new rewards. Each day, the user who secures the top spot will earn a $500 MUTM bonus, as long as they complete at least one transaction within that 24-hour timeframe. The leaderboard resets daily at 00:00 UTC.
This combination of transparency, gamification, and practical utility will strengthen investor confidence and promote consistent token demand.
$0.035 level won’t last longer
With Phase 6 nearing a 100% sellout, the next 15% price jump in Phase 7 is imminent. Analysts are calling MUTM one of the highest-potential DeFi projects leading up to 2026, with forecasts targeting $1 per token. Those missing this presale risk entering after the price rises above $0.04.
Mutuum Finance (MUTM) is positioned to deliver exceptional returns for early participants, combining scalable lending, staking rewards, and strong market momentum to emerge as a best cryptocurrency to invest today and a next big cryptocurrency to watch.
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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