Best Cheap Crypto for Long-Term? Here’s Why Investors Prefer This $0.04 Altcoin 

Certain crypto coins perform their best when there is no sound. The market pursues the noisiest charts and they are constructed during months. Then a shift happens. The product is brought nearer to actual application, the security checks are made public and the very token that used to be under the radar is now seen everywhere.

Mutuum Finance (MUTM) appears to be entering this visibility stage currently. The project is in its developing stage yet cautions surrounding participation, roadmap development and security preparedness are increasingly difficult to disregard. It is why market commentators continue to mention it as a name in the long-term DeFi crypto to keep an eye on.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a new cryptocurrency project that is building a non custodial lending and borrowing protocol. It is intended to allow users to lend and borrow and deal with collateral in the form of clear, set rules rather than informal loaning or vague conditions.

The project outlines a dual lending plan that would be used to meet various needs as it becomes more adopted. One side is about pooled liquidity, where the deposit by the user upholds the demand to borrow. The alternative side promotes face-to-face matching between users which can provide greater control over the loan terms. The objective is straightforward, maintain lending and borrowing handy even under the fluctuation of demand.

For example, if $2,000 in USDT is deposited into a pool and borrowing demand is low, the deposit yield might sit around 3%. If demand rises and the pool becomes more utilized, the yield could move toward 7% to 9% as borrowers pay higher rates. In a peer-to-peer match, a borrower could agree on a stable-style rate for predictability, such as 8%, instead of accepting a variable rate that may swing day to day. These figures are examples of how the two paths can work, not guaranteed outcomes.

V1 represents the restricting place of turning the quiet work public. Mutuum Finance has stated that V1 Protocol is getting ready to be deployed to Sepolia as to testnet, and then to be deployed to mainnet, timing mentioned as soon. V1 consists of the key elements of Liquidity Pool, mtToken, Debt Token, and a Liquidator Bot. The first assets that are available to lend, borrow and pledge are ETH and USDT.

Growth Metrics

According to Mutuum Finance, they have raised 19.6M and about 18,700 holders. They are not figures that are found overnight. They propose gradual involvement which develops.

That is important to a lending protocol. Lending systems will require trust, as customers will be putting deposits and expect clear provisions concerning the collateral and liquidations. Increasing the number of holders can be an indication of wider faith rather than the exclusive few who are possessing the narrative.

That is why MUTM appears in the lists of potential long-term best cheap crypto. It has established a pool of participants and is yet in its development of the lifecycle.

According to Mutuum Finance, MUTM is selling at $0.04 in its presale Phase 7. In early 2025 it started selling it with Phase 1 price of $0.01. The shift on to $0.04 indicates a 300% point increment in stages. An official post-sale price of $0.06 is also mentioned in Mutuum Finance.

The supply behavior changes as the higher the portion of the sale allocation is distributed to the hands of holders. The number of tokens at lower levels of entry is reduced, and there is a determined number of tokens at each stage. This is the reason why the urgency of buyers can be influenced by stage progress. The price is pushed up, and excess allocation is more valuable.

The Last Move Towards Visibility

One of the best visibility catalysts of DeFi protocols is security. It also happens to be one of the largest filters to serious buyers.

Mutuum Finance refers to a CertiK token scan rating of 90/100. Also, it indicates that Halborn Security audited its V1 lending and borrowing protocol independently. A bug bounty of 50k has also been mentioned on the project.

These measures are important as lending measures deal with collateral and liquidations. A weakness can multiply rapidly when there is an increase in liquidity. Bug bounties and audits do not eliminate risk, but create less uncertainty and send a signal to external review of the team before it is used more broadly.

Phase 7 is not the start. Many of the initial steps are already made at this point. The value of the token is very low at a price of $0.04, the number of holders is already high and the supply has been uniformly distributed.

This is the reason why investors position MUTM as a long-term new crypto to follow. Silent construction is becoming apparent. The supply is shrinking with progressions. Security checks are public. A shift in visibility can be advanced to 2026 provided that V1 delivery remains on course.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance