As 2026 takes shape, long-term buyers are looking past day-to-day swings and focusing on projects that still have clear room to expand. That’s why Mutuum Finance (MUTM) keeps coming up in discussions around which crypto to buy today for long-term: it’s still in presale at $0.04, it’s building toward a utility-first launch, and the roadmap is structured to bring real usage online as the token reaches wider markets.
Why some compare MUTM to early Ethereum
Mutuum Finance draws early-Ethereum comparisons because it’s being built around real on-chain usage from the start. The focus is a working lending and borrowing platform where users can earn yield by supplying assets and access liquidity by borrowing against collateral without selling their holdings.
The team plans to bring the token to market alongside the platform going live, so wider trading begins with utility already available. That launch structure can strengthen early demand because attention doesn’t rely only on price action—there’s also a product for users to engage with immediately. It also improves the chances of major exchange listings, since broader listings are more likely when a token arrives with clear utility and strong early participation already visible.
MUTM is currently priced at $0.04 in presale. Some analysts point to a post-launch move toward $0.25 if momentum builds quickly as visibility expands. From $0.04 to $0.25, that would be a +525% increase.
The presale has already raised $19.65M and passed 18,750+ holders, with 830M+ tokens sold so far—showing strong participation while the token is still before full public trading. Even at $0.04, the entry remains discounted relative to the confirmed $0.06 launch price, leaving a clear window to secure exposure before the token goes live and wider price discovery begins.
Long-term targets: $0.80 to $1
The longer-term outlook isn’t tied to one headline move. It’s tied to Mutuum Finance adding more reasons for people to stay active on the platform as it grows.
One major driver is the overcollateralized stablecoin the team plans to introduce. Stablecoins are the “working capital” of DeFi—used for trading, yield strategies, and moving value quickly without leaving the ecosystem. A stablecoin minted against collateral inside the protocol can increase borrowing activity, deepen liquidity, and create more recurring fee flow as usage expands. Those fees matter because they can support the ecosystem and keep attention on MUTM as the platform scales.
On top of that, multi-chain expansion and Layer 2 optimization are aimed at widening access. More chains and faster, cheaper transactions usually mean a larger addressable user base and more frequent activity—especially from users who avoid high fees or prefer different networks. Over time, growth across multiple environments can drive more deposits, more borrows, and more consistent engagement, which is the kind of foundation that supports higher valuation ranges in a strong market.
Based on that growth path, some longer-term projections extend to $0.80–$1.00. From $0.04, a move to $0.80 would be +1,900%, and a move to $1.00 would be +2,400%.
If $1,500 is allocated at $0.04 and MUTM reaches $0.80, the position would be worth $30,000, producing about $28,500 in profit. When MUTM reaches $1.00, that would scale to $37,500, for roughly $36,000 in profit.
Development progress and upcoming V1 release
The team has announced that V1 is preparing to launch soon on the Sepolia testnet, allowing users to try core features before the protocol goes fully live. That rollout is supported by a major security milestone: the team confirmed that HalbornSecurity has fully completed the independent audit of the V1 lending and borrowing smart contracts.
Delivering testable features before full launch tends to strengthen confidence and keep attention building as the market moves closer to open trading conditions.
On the token side, Mutuum Finance has also completed a CertiK audit for the token smart contract, supported by a $50k bug bounty program in partnership with CertiK. Alongside audits, the project has introduced a high-visibility incentive: a $100,000 giveaway structured around 10 winners, each set to receive $10,000 worth of MUTM. Participation requires completing tasks listed by the project and making at least a $50 presale purchase.
For investors deciding what crypto to buy today for long-term 2026, Mutuum Finance (MUTM) stands out because it’s still early in pricing at $0.04, while the roadmap is built around launching the token alongside a working platform. That launch structure is a key reason analysts discuss a move toward $0.25 in the early post-launch window, with longer-term projections extending to $0.80–$1.00 as stablecoin development, multi-chain expansion, and Layer 2 optimization roll out.
With HalbornSecurity audit completion confirmed, V1 preparing for Sepolia, CertiK validation in place, and the presale still offering access below broader market pricing, MUTM continues to be framed as one of the strongest early-stage candidates for long-term upside into 2026.
For more information about Mutuum Finance (MUTM) visit the links below:
Website:https://www.mutuum.com
Linktree:https://linktr.ee/mutuumfinance
