Timing is everything in crypto, and most of the biggest gains rarely come from buying what’s already trending. They usually come from spotting momentum early, right when a project is transitioning from “presale” to “real market presence.” That’s exactly where Mutuum Finance (MUTM) finds itself right now.
With a quickly progressing presale, a protocol launch aligned with the token release, and visible development milestones already in motion, Mutuum Finance is starting to draw attention from investors looking beyond short-term hype. As 2026 approaches, many are beginning to treat it less like a speculative investment and more like a structured opportunity built around utility, timing, and supply dynamics.
Best Crypto to Buy Now
Mutuum Finance has just entered presale phase 7, marking a clear step forward in its pricing structure. Phase 6 recently concluded with the token priced at $0.035, and the current phase now places the token at $0.04. While this reflects growing demand, the price is still considered discounted when compared to the launch price of $0.06.
Moving from $0.04 to $0.06 represents a 50% increase before the token reaches the open market. What makes this progression more notable is where it started. Mutuum Finance began its presale at $0.01, meaning the current phase 7 price already reflects a 300% increase from the first phase, while the launch price represents a 500% gain from the initial entry level.
At the same time, Mutuum Finance is approaching a key milestone. With approximately $19.45 million raised and more than 18,600 holders, the project is now closing in on the $20 million mark. Reaching this threshold before launch strengthens the project’s positioning as it moves toward exchange exposure, protocol rollout, and broader visibility.
Price Expectations After Launch
While the launch price is set at $0.06, that level is widely viewed as a starting point rather than a ceiling. Some market observers believe the token may not remain at that price for long once trading begins. Price projections discussed within the community often extend toward $0.10 to $0.15, which would represent gains of roughly 150% to 275% from the current phase 7 price.
At the current price, a $1,500 allocation would be valued at around $3,700 when the price reaches $0.10, and would move toward $5,600 at $0.15. This range highlights why the spread between the current presale price and early post-launch levels continues to draw attention as the launch approaches.
Those expectations are tied to how Mutuum Finance is being rolled out. The token is being introduced alongside a functioning product. From day one, the protocol is designed to be usable, which changes how early price discovery typically plays out compared to tokens that arrive without utility.
DeFi Crypto With Lending Utility
Mutuum Finance is building a decentralized lending and borrowing protocol designed to allow users to supply assets, earn yield, and borrow against collateral in a non-custodial environment.
The team is currently preparing the V1 release of the protocol, which is scheduled to launch on the Sepolia testnet in Q4 2025. This initial version will introduce the platform’s core infrastructure, including liquidity pools, mtTokens representing supplied assets, debt tokens for borrowed positions, an automated liquidator bot, and additional protocol components designed to support on-chain lending and borrowing activity.
At launch, the protocol will support ETH and USDT as the initial assets for lending, borrowing, and collateralization. By aligning the token release with a functional platform, Mutuum Finance ensures that utility is available immediately, allowing token demand to be tied directly to protocol usage from the outset rather than deferred to a later development stage.
Development progress has been paired with a strong focus on security. Mutuum Finance has already completed a CertiK audit, achieving a high overall score, and the team has confirmed that the Halborn audit has now been fully completed.
With both audits in place, the next milestone is the announcement of the exact V1 protocol launch date. Once that happens, users will be able to actively test the platform’s core features, further strengthening confidence around execution.
From an investor perspective, this combination—audits completed, roadmap phases advancing, and a live protocol approaching—is often what places a project among candidates for the best cryptocurrency to invest in ahead of a broader market cycle.
Top Crypto Ahead of Exchange Listings
Another reason analysts expect increased momentum after launch is Mutuum Finance’s decision to release the token and the platform at the same time. This approach can significantly improve visibility and credibility when it comes to exchange listings.
Projects that debut with a functioning product, active users, and verified security are typically better positioned for top-tier exchange listings. Historically, new crypto coins listed on major exchanges often experience heightened demand shortly after launch due to increased accessibility and liquidity.
If Mutuum Finance follows this path, buying pressure could rise quickly—especially since the token’s utility would already be live, reinforcing demand beyond pure speculation.
Alongside development and launch preparation, Mutuum Finance is also running a $100,000 giveaway, open to participants in the ecosystem. Investors who join have the chance to win $10,000 worth of MUTM tokens, adding an additional incentive for early engagement.
Mutuum Finance is approaching a pivotal phase. With the token currently priced at $0.04, a $0.06 launch price, a live DeFi platform scheduled to roll out, and strong signals around audits and exchange potential, many see this as a window that may not stay open for long.
For those evaluating new crypto opportunities and looking ahead to 2026, Mutuum Finance offers a combination of discounted entry, upcoming utility, and clearly defined milestones. Tokens can still be purchased at current prices, including via card, with a step-by-step buying guide available on the project’s official X page.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
