Markets do not wait for a product to be live before they form a price. They start pricing what they think will happen next. That is why a token can move before the utility is in full view. It is also why price targets often sound bold months before the average user even knows the name.
Some analysts believe Mutuum Finance (MUTM) is entering that early window now. MUTM is in Presale at $0.04, with an official launch price set at $0.06. The big claim in the headline, an 800% move by Q4 2026, is not something anyone can promise. But market commentators suggest there is a clear logic for why expectations can rise fast when a DeFi crypto is close to switching on real lending activity.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is building a lending and borrowing protocol. That means users supply assets to earn yield, and borrowers take loans by posting collateral. Mutuum Finance also references two lending routes that are common in serious lending design.
One is P2C, peer to contract. In simple terms, users interact with a pool through the protocol. Rates adjust based on supply and demand in that pool. The other is P2P, peer to peer. That approach can match lenders and borrowers more directly when conditions allow it. The benefit is often better pricing efficiency. The key point is that both models aim to make borrowing feel smooth while keeping lenders paid.
The other key concept is LTV, loan to value. LTV sets how much someone can borrow against their collateral. For lower volatility assets like stablecoins and ETH, Mutuum Finance notes higher LTVs can be viable, such as around 75%, with a liquidation threshold around 80%. For more volatile tokens, LTVs may be much lower, like 35% to 40%, with liquidation thresholds closer to 65%. This is about safety. If collateral drops fast, the system needs room to protect lenders.
On the Presale side, Mutuum Finance reports $19.6M raised, about 18,750 holders, and around 825M tokens sold, with Phase 7 active. The Presale began in early 2025, and the price rose from $0.01 in Phase 1 to $0.04 in Phase 7, a 300% move across stages. Each stage has a fixed price and token allocation, so higher demand can sell out a stage faster and move price upward.
V1 Protocol and Audits
Mutuum Finance (MUTM) has announced V1 Protocol is heading to the Sepolia testnet in Q4 2025, with the team preparing that release and then finalizing for mainnet, with launch timing described as coming shortly. That timeline matters because markets often reprice when a project shifts from plans to delivery.
Security signals matter in this phase. Mutuum Finance has stated that Halborn Security completed an independent audit of the V1 lending and borrowing protocol. Mutuum Finance also cites a CertiK token scan score of 90/100, plus a $50k bug bounty for code vulnerabilities. These points do not guarantee outcomes, but they can increase confidence that the team is treating security as a priority.
Now to the title claim. Some analysts believe an 800% gain by Q4 2026 is possible if execution lands and usage grows. To keep the math clear, an 800% gain means 9x from a starting price. From $0.04, that would imply around $0.36. From the $0.06 launch price, it would imply around $0.54. These are scenario numbers that reflect how analysts frame upside when they think utility and demand can expand over time.
Why Analysts Compare This Setup to Early Solana
Industry speculation points to a familiar pattern. Tokens that later became large often had a period where the market repriced them before full utility went mainstream. Solana is often used as a reference because early believers focused on shipping milestones and growth pathways, not just headlines. Some analysts believe Mutuum Finance could follow a similar path in structure, meaning a strong roadmap, clear execution checkpoints, and a product that can generate real usage.
Mutuum Finance is trying to build a non custodial lending and borrowing platform with clear risk controls. That includes overcollateralization, liquidations, asset caps, and oracle design that aims to support accurate pricing. It also begins with familiar assets, ETH and USDT, for lending, borrowing, and collateral, which can help early liquidity.
That is why this token is now showing up in conversations about the best crypto to buy now and the next crypto to hit $1, even though the $1 path would require major growth and sustained demand. If you are watching crypto prices today and trying to understand what moves first, the answer is often expectations. Mutuum Finance (MUTM) is being priced in that expectations window now, before utility is fully online.
For more information about Mutuum Finance (MUTM) visit the links below:
Website:https://www.mutuum.com
Linktree:https://linktr.ee/mutuumfinance
