This New Altcoin Could Surge 400% After V1, Phase 6 is Over 96% Sold Out at $0.035

A fledgling altcoin is being taken notice of much as traders gears up to the next major crypto market cycle. Having its price remaining at around $0.035 and its current distribution cycle nearly wholly spent, many investors now feel that Mutuum Finance (MUTM) may turn out to be one of the most desirable to break out as soon as its initial protocol edition goes live. A number of models indicate that the token could climb to 400% token appreciation once V1 is launched and demand in the final phase window is increasing in rapid fashion.

Presale Growth and What Mutuum Finance Is Building

Mutuum Finance has a history of preselling in early 2025 with an opening value of $0.01 and a subsequent rampant 250% growth to its stage today of $0.035. The project boasts of having raised $19.250M, 18,500 holders, and sold 815M tokens. 

The Mutuum Finance (MUTM) is developing a decentralized lending platform that would facilitate the structured borrowing and lending of on-chain transactions. Users have an opportunity to feed ETH or USDT and obtain mtTokens. These mtTokens have a rising value as borrowers pay interests. A dynamic model where borrowers adjust the interest rates with the liquidity and loan-to-value restraints and liquidation regulations keep the conditions safe when the volatility prevails.

The mixture of structured yield, predictable borrowing algorithms and automation on a system-wide level has contributed to Mutuum Finance being one of the potential next big cryptocurrency entrants with a price under $0.05.

V1 Launch, Security Layers and First Analyst Projection

Through its official X account, the team has attested that V1 testnet will be launched in Q4 2025. The V1 comprises the lending pool, the mtTokens, liquidation module and debt engine, supported by ETH and USDT on launch. It is the first public version of the project, and is projected to achieve much hype as users start directly testing lending-to-repayment-exactly-liquidation flows.

Mutuum Finance underwent a 90/100 Token Scan, which is a CertiK audit. Halborn Security is revisiting basic contract performance, such as interest accrual, collateral requirement and foreclosure. A bug reward ($50,000) is offered to report code bugs before V1.

Since the protocol also does not rely on hype-based mechanisms, some analysts suggest that Mutuum Finance should experience 2x to 3x movement in the nearest time after the initial lending live period. Lending platforms usually get the most velocity during the initial adoption phase.

Buy-and-Distribute Pressure 

The protocol is designed around the mtTokens. The more the borrowers pay interest, the higher the value of mtTokens. The user who lends his ETH worth $600 can experience an increase in his mtTokens with an increase in platform usage. This is because tying yield goes hand in hand with activity and offers long-term sustainability.

A part of platform revenue would purchase MUTM in the open market. The acquired tokens would be then available to users who stake mtTokens. The greater the lending demand, the greater is the buy pressure. Meme tokens and large caps lack such mechanisms, which is why most traders feel that MUTM may go higher than the average.

The level of community participation is also very high because of the 24-hour leaderboard with the highest contributor earning $500 in MUTM every day. Onboarding is easy because card payment access allows continuous increases in the number of new users.

Secondary Layer 

Mutuum Finance is going to release a USD-backed stablecoin, which will be backed by the interest charged to the borrowers, according to the official roadmap. Lending platforms cannot exist without stablecoins because they will provide a predictable value and increase liquidity. They assist in stabilizing the borrowing and draw those users who find it more convenient to use constant collateral. The protocol will become more lending ecosystem stablecoin roll out will be utilized to improve its protocol.

Another upgrade that is going to be implemented is layer-2 deployment. L2 networks save on transaction expenses and speed of execution. The lending systems should have rapid collateral re-pricing, interest adjustments and possible liquidation adjustments. Mutuum Finance is scalable with L2 support to achieve higher efficiency as more people could use the service.

Whale Buys and Why Timing Matters

Phase 6 is already more than 96% sold and few tokens are left at $0.035. Stage 7 proposes almost 20% price rise, which would bring MUTM near its formal price of $0.06. As this shift in pricing progresses towards, investor activity has been picking up at a faster pace.

Recent allotment of whales of over $108,000 decreased the remaining stock even more hastily. Whale entries are usually made where big investors believe they would perform strongly in future or when they are seeing asymmetric potential. Retail buyers tend to pay more attention to their activity as they keep an eye on the first signs of confidence.

The increased visibility of Mutuum Finance, its growing following, excellent audit preparation, increasing financing amount, and the accelerating rate of its full distribution all contribute to the interest in the project as it ventures into a critical stage of the young development. In case the adoption of the protocol picks up following V1, then several analysts say that the token may provide a 400% increase of what early models predicted. 

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance