The Cheapest Crypto Under $0.1 That Could 20x Next Year, Only 5% Phase-6 Tokens Left

Early investors are starting to take notice of a new cryptocurrency that comes with a price much lower than $0.1, and can be considered as growing its demand and nearing the last 5% of its initial stage. As a fast-rising DeFi token, this is becoming one of the most discussed early chances of 2025 as most traders seek the most suitable crypto to purchase before the current market cycle runs. Things are picking up and there is a feeling that this low-priced asset may not continue being a cheap asset quite long.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is developing a decentralized lending and borrowing solution, which will be used on the long-term scale. Rather than what is hype-based, the protocol is based on actual financial mechanics which can be scaled with adoption. The site operates on the basis of mtTokens which are deposits and increase in value as borrowers pay interests. As an illustration, a person providing $1,000 in ETH value gets mtTokens which continue to grow alongside heightening borrowing transactions.

As mentioned by Mutuum Finance in its official X account, the V1 will be rolled out on the Sepolia Testnet in Q4 2025. The initial one comes with a functional liquidity pool, mtTokens, a debt-tracking token and a liquidation bot. The initial supported assets will be ETH and USDT.

Security has been one of the key aspects of development. Halborn Security is undergoing the closing lending and borrowing agreements and this means that the protocol is being developed in a way that is trustworthy. MUTM is beginning to earn itself some credibility with real DeFi mechanics, future product announcements and expert auditing.

Funding Strength and Increasing Price Momentum

Mutuum Finance raised a good sum of $19M. This fundraising is the sign of great interest on a large scale, and it essentially helps in developing the core protocol features. The number of investors who are already registered is more than 18,200, which indicates serious engagement in the initial usage.

The token was launched at $0.01 in early 2025, and its price is currently $0.035, which is a 250% increase. It is important as this gradual increase demonstrates a definite tendency: the demand develops with each level. To investors who are following the movements of crypto now, this performance at the beginning signifies confidence and growing movement.

The increase in investment and the number of investors is also indicative of the fact that the project is not being driven by hype only. Rather, the improvement of the upwards trend is a sign of a genuine involvement of an increasing community.

Sponsorship, Rewards and Accessibility

There is a total supply of 4B tokens in the supply of Mutuum Finance and 1.82B tokens, 45.5%, are allocated to the presale. Over 800M tokens have been already bought. The project has a 24-hour leaderboard, as well, with the number one daily contributor receiving $500 in MUTM. It serves to keep active engagement, as well as make the number of new buyers entering the ecosystem grow every day.

Mutuum Finance also supports card payments to facilitate easy entrance without the hindrances that commonly delay the process of participating in initial offerings. The high demand, user interest and convenient access mode are what makes Mutuum Finance increase in ranking as one of the potential most high ranking cryptocurrencies with less than $0.1 value.

Phase 6 Approaches Sellout, Whale Entrance and Increasing Urgency

Phase 6 has already reached a near-full sellout, and also at this stage, only 5% of the tokens are retained at the level of $0.035. The buying rate has also increased particularly following a new whale investment of $100K that saw the allocation as even nearer to completion. The entry of large investors later in the game is usually a sign of overwhelming optimism to the project in the long term.

This acts as an urgency factor to smaller investors. Whales are likely to accumulate when the supply is low, causing the remaining amount to be depleted very fast. And as MUTM is set to open at $0.06, traders who are trying to find the potential next crypto to invest are buying before the price gets adjusted.

Mutuum Finance is at one of the most significant stages in its initial development. As the demand rises, good audits, V1 in sight, stablecoin development and decreased supply, MUTM could emerge as one of the shining lights in DeFi token in the year 2026.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance