A rapid moving DeFi crypto token of price, $0.035 is at a critical point, in the tightening of Phase 6 and traders are monitoring the situation keenly. As the indexA rapid moving DeFi crypto token of price, $0.035 is at a critical point, in the tightening of Phase 6 and traders are monitoring the situation keenly. As the index

Mutuum Finance (MUTM) Hits a Critical Phase 6 Zone, Best New Crypto Under $0.05 for Upside Potential?

4 min read

A rapid moving DeFi crypto token of price, $0.035 is at a critical point, in the tightening of Phase 6 and traders are monitoring the situation keenly. As the index changes focus to early-stage investments with high-upside potential, lots of investors ask themselves whether Mutuum Finance (MUTM) is the best crypto under $0.05 ahead of Q1 2026.

Mutuum Finance (MUTM): Lending Protocol

Mutuum Finance is creating a two-market protocol in decentralized lending. In the Peer to Contract market, assets that are provided to the market include ETH or USDT. They get mtTokens which increase in value as borrowers pay up the interest. 

Direct agreement between a borrower and a lender exists in the Peer to Peer market. Rates shift with liquidity. Borrowing is affordable when the liquidity is good. In the event of liquidity decline, rates rise. Loan to value regulations are used to guide the safety of the collateral. In case of excessive fall of collateral, liquidation is done, and a liquidator is awarded discounted collateral. These mechanics assist in making borrowing predictable under varied circumstances.

Mutuum Finance (MUTM) started its presale in early 2025 on the price of $0.01, and currently it is being sold at $0.035, which is a 250% MUTM appreciation. According to the project data, it has collected over $19.250M raised, 18,500 holders, and sold 815M tokens. 

V1 Launch and Security Reviews 

The official X account of the team assured that V1 testnet will be released in Q4 2025. V1 The lending pool, mtTokens, liquidation tools and the debt system will be launched. Launch support will be ETH, and USDT. This is one of the most significant catalysts of the next stage of MUTM which a number of investors believe in.

Security is a major focus. Mutuum Finance has passed a CertiK audit with a score of 90/100 on Token Scan. Halborn Security is evaluating going through contract conduct in borrowing reasoning, the liquidation point and collateral standards. There is a provision of a $50k bug-bounty to facilitate third-party code testing.

With these indicators, several altcoin analysts based on crypto prediction reckon that the token could rise to 4x to 6x as long as the borrowing activity starts and takes place in the first testnet phase.

Long-Term View

mtTokens serve as the native yield protocol. They rise with repayment of interest by the borrowers. This provides the user with predictable APY based on lending volume.

A buy and distribute model is also employed at Mutuum Finance. Part of the platform revenue will purchase MUTM in the open market. Such bought tokens are awarded to the users holding staked tokens, which were in the form of mtTokens. This generates inherent purchase pressure. 

The protocol will be based on Chainlink regarding the accuracy of Oracle with the help of aggregated sources of data, according to the official roadmap. Right pricing is required in stable lending and liquidation behavior. According to analysts, these systems are said to provide MUTM with a good structural base.

Some believe that the buy-and-distribute integration and some level of oracle support could make MUTM go as high as 7x to 9x as long as early adopters increase post-V1 with the help of mtTokens.

The reason why Analysts Compare MUTM to Early Aave

A number of analysts are positioning Mutuum Finance as early Aave because of its well-organized roadmap and early stage of placement. Aave got traction as it provided a straightforward application, actual borrowing action and growing markets. Mutuum Finance is developing the same route but much earlier and at a low price.

Similar to the initial Aave, Mutuum Finance builds a platform where yield is built via activity as opposed to unnatural inflation. Its architecture is concerned with stability, transparency and predictable borrowing. This explains why most early investors monitoring the best crypto investments argue that MUTM could be able to follow a development path as early lending protocol.

Mutuum Finance is currently at critical Phase 6 zone and final allocation is approaching. The token increased 250%, acquired 18,500 holders, raised capital of $19.250M, overcame significant audits and is preparing its Q4 V1 testnet. MtToken yield, buy-and-distribute pressure, oracle accuracy, stablecoin plans and Layer-2 expansion have the project becoming more visible as traders seek the best crypto to invest in before the coming next cycle.

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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