Next Cheap Crypto to Skyrocket? This $0.04 Altcoin is Poised for 500% Upside

Each cycle will result in the creation of a number of tokens that will begin at a low price before the market becomes aware that something is being constructed. These markers tend to be left at the bottom of major attention scales until a stage of any major developmental step which causes a turning of the visibility switch. Another altcoin that is currently in the same stage with only a price of $0.04 is entering the said phase already and analysts are already talking of a potential 500% upside window once the altcoin enters into use.

Mutuum Finance (MUTM)

The targeted token is Mutuum Finance (MUTM). Mutuum finance is a new crypto project that builds a decentralized lending and borrowing protocol. The system takes two markets which facilitate lending and borrowing.

The former is the Peer to Contract (P2C) market. In this case, liquidity is provided by the users into common pools. They, in turn, obtain the tokens of the token currency known as mtTokens that track positions on deposits and increase in value as interest is paid by borrowers. As an illustration, a user depositing 1,000 USDC gets mtUSDC. When the demand of borrowing increases, the APY increases to the depositors and makes passive yield in an unpredictable format.

The second credit system is called Peer to Peer (P2P). This model directs the borrowers and lenders directly through collateral rules. Loan to Value (LTV) are the standards that borrowers use in taking loans. An illustration of this is a 70% LTV of $2,000 collateral and $1,400 loan. In case of collateral being weak liquidations cushion the lender by paying off a portion of the outstanding loan and giving the liquidators discounted collateral.

Mutuum Finance is in structured presale. The current phase of the token is selling at $0.04. More than $19.7 million has been raised and there are over 18,800 holders of a wallet at present. The price of phase 1 has increased by 300% since the start of 2025 and the official launch price is 0.06, putting the Phase 1 buyers with 500% upside potential at the time of the initial listing.

V1 Launch and Security Stack 

The biggest stimulus to wider valuation is the launch of V1 protocol. As per the announcements on the official X account, V1 is going to be launched on the Sepolia testnet prior to activation of the mainnet. This is where the borrowing and lending comes to life and is not a form of documentation.

Another area that has been addressed early has been security. The audit completed by Mutuum Finance on Halborn Security was a smart contract audit and a 90/100 score on the CertiK Token Scan. There is a bug bounty of $50,000 that is in operation to expose outliers before broadly used.

Having these elements locked in, there are some scenarios of early adoption modeled by some analysts. Analysts provide a potential shift by 500%, in a conservative forecast related to V1 activations and possible top-tier exchange listing, indicating that this could be increased by a factor of five up to $0.24, the current presale price.

What MUTM Is Trying to Build

A number of analysts have likened the phase of MUTM to the initial development days of Solana. Solana was able to raise money prior to mass prominence since the infrastructure was growing in the background. The price spurred did not precede the arrival of developers, liquidity and applications.

The loan markets are attempting to develop the same underpinnings at Mutuum Finance. It will attempt to establish both borrowable assets, yield opportunities, collateral structure, and the flow of transactions. It is such infrastructure that usually survives meme cycles.

Assuming utilization is growing in the Q1-Q2 2026, analysts reckon MUTM may become the category of the potential best crypto to purchase under $1 to appreciate in the long term, particularly as investors sell large-capitalization assets out of favor and into more affordable tokens with greater potential.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance