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Finding a new crypto at an early stage is one of the most important goals for people investing in crypto. Most tokens already move fast before the public notices them. Mutuum Finance (MUTM) stands out because it is still priced at $0.04 during presale phase 7, while showing clear signs of long-term structure, real utility, and steady community growth. This combination places it quietly under the radar, even as the foundations for strong upside are already visible.
Right now, many investors search for a new crypto that offers more than hype. They want working systems, transparency, and a fair entry price. Mutuum Finance (MUTM) fits that profile by focusing on lending, borrowing, and protocol-driven demand instead of empty promises.
Presale Momentum and Early Pricing Advantage
Mutuum Finance (MUTM) has a total supply of 4 billion tokens. By combining all presale phases so far, the project has generated around $19.55 million, showing consistent interest from early supporters. The current presale price is $0.040, with over 19,000 holders already participating across all phases. In presale phase 7, around 5% of the 180 million token allocation has already been sold, signalling steady demand without artificial pressure.
The presale is fully transparent and legitimate. The team has been active since early 2025 and has followed its roadmap with discipline. Key milestones have been delivered on schedule, and the upcoming launch of a fully functional protocol reinforces confidence. Organic community growth continues without shortcuts. These elements clearly separate Mutuum Finance (MUTM) from the rug-pull schemes that damage trust across the crypto space. This is positioned as a serious long-term project, not a short-lived trade.
The current price still represents a discounted entry. To understand the advantage, consider an investor who entered during phase 1 at $0.01 by rotating funds from established assets like ETH or SOL. With the price now at $0.040 in phase 7, that early position already reflects a 4x gain, or 300% growth. Compared to the planned listing price of $0.06, buyers at $0.04 lock in a 50% value increase before trading even begins. Based on the title’s context, a post-listing move toward a 10x range from early phases aligns with a 1,000% growth narrative for those who entered at the earliest stages.
A Big Audit Milestone is Complied
Mutuum Finance (MUTM) also completed a formal smart contract security audit by Halborn in November 2025. The review examined the core protocol and identified six issues, including one high-severity item. Every finding was fully resolved before completion. Halborn confirmed 100% remediation, adding a strong layer of technical credibility as the project advances toward its V1 testnet and eventual launch.
User engagement is already encouraged through live features. The 24-hour leaderboard has been upgraded so that the top-ranked user each day receives a $500 MUTM reward, provided at least one transaction is completed during that period. The leaderboard resets daily at 00:00 UTC, keeping activity consistent and competitive.
Why Mutuum Finance (MUTM)’s Design Supports 1,000% Growth
Mutuum Finance (MUTM) is being built around two lending models that create real demand for the token: Peer-to-Contract and Peer-to-Peer. These systems give the token purpose beyond trading and connect usage directly to platform activity.
In the Peer-to-Contract model, users will pool assets such as stablecoins and major cryptocurrencies into audited smart contracts. Borrowers will access this liquidity by providing overcollateralized collateral. Interest rates will adjust automatically based on how much of each pool is being used. Higher usage increases rates, encouraging more deposits and balancing the system. Depositors receive mtTokens that represent their share of the pool and accumulated interest, and these mtTokens can also be used as collateral.
For example, a user who lends $10,000 in USDT through the protocol receives mtUSDT at a 1:1 ratio. With an average APY around 15%, the position generates $1,500 in passive income over one year. Borrowers benefit as well. Someone holding $10,000 worth of ETH can borrow up to 80% of that value, depending on assigned LTV ratios, without selling the ETH. This approach unlocks liquidity while keeping exposure to future price growth.
Peer-to-Peer lending expands opportunities for assets that carry higher risk, such as meme coins like DOGE or PEPE. In this model, lenders and borrowers set their own terms, including interest rates and loan length. Since there is no shared pool, risk stays isolated, protecting the broader protocol while allowing higher returns for those who choose this route.
Mutuum Finance’s dual lending model, supported by built-in stability mechanisms, delivers meaningful real-world utility while encouraging deeper user reliance on the protocol. Beyond generating monetary value, the platform is designed to enhance long-term stability, an attribute that naturally attracts investors seeking sustainable DeFi solutions. As adoption grows, this combination of utility and stability is expected to drive sustained demand for MUTM, reinforcing its value proposition over time.
V1 Protocol Launch, MUTM Buybacks and Simultaneous Launch
Mutuum Finance (MUTM) announced via its official X channel that the V1 release of its protocol will be launched on the Sepolia Testnet in the near term. This initial launch will bring the platform’s core functionality online, including the liquidity pool infrastructure, mtToken and debt token systems, and an automated liquidator bot built to protect collateral positions and ensure protocol stability. At this stage, users will be able to lend, borrow, and provide ETH or USDT as collateral.
Deploying V1 on the testnet gives users early access to explore the protocol ahead of the mainnet launch. This stepwise rollout improves transparency, encourages early adoption, and allows the development team to collect practical feedback for optimization. As testnet activity grows, awareness and confidence in the ecosystem may increase, helping to support sustained demand for the MUTM token.
Another key driver is the buy-and-distribute model. Part of protocol revenue from borrowing activity will be used to buy MUTM tokens from the open market. These tokens will be distributed to users who stake mtTokens. This structure rewards active users and links rewards directly to platform usage, creating continuous demand tied to real activity instead of emissions.
Finally, Mutuum Finance (MUTM) expects to launch its platform and list the token at the same time. This synchronized release ensures users can lend, borrow, and stake from day one. A working product at launch improves visibility and positions the project for attention from major exchanges, reinforcing early momentum.
Final Verdict
At $0.04 in presale phase 7, Mutuum Finance (MUTM) remains a new crypto that many have not fully noticed yet. With audited smart contracts, live engagement tools, clear lending use cases, and a revenue-driven demand model, it presents a strong setup for people investing in crypto who look beyond short-term trends. The structure already in place supports the idea that this under-the-radar token aligns naturally with the 1,000% growth narrative highlighted in the title.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
