This New Altcoin at $0.035 Is Racing to 100% Allocation, Could It Be the Next Crypto to Explode?

One of the fastest-moving altcoins with a price of $0.035 is already in a rush to reach the end of the allocation and investors are keeping a close eye on the demand picking up. As the present development milestones are near and supply is reducing rapidly, Mutuum Finance (MUTM) is under discussion as one of the potential best crypto to skyrocket into 2026.

What Mutuum Finance (MUTM) Is Creating

Mutuum Finance is working on a decentralized lending protocol that can facilitate structured borrowing and lending on-chain. Users will be able to provide ETH or USDT and be issued mtTokens which appreciate in value as borrowers repay interest. Liquidity changes the interest rate of loans borrowed by the borrowers. Loan to value restrictions and liquidation policies allow cushioning the positions in the event of a significant depreciation of the collateral.

The project started at an initial price of $ 0.01 in early 2025 and reached $0.035 a 250% increase in the development period. According to Mutuum Finance, the protocol has raised $19.250M, 18,500 holders, and sold 815M tokens. The total supply of MUTM of 4B is distributed to presale phases in 1.82B, or 45.5%, of the total. This wide dispersion assists in forming a better base of a lending protocol which relies on broad involvement.

V1 Launch Timeline and Security Reviews 

The team mentioned in its official X account that V1 testnet will launch in Q4 2025. V1 comprises the lending pool, the mtTokens, the liquidation system and the debt module. The currencies supported will be ETH and USDT. V1 is a major milestone to many investors since they know that once the project passes through V1, it becomes a real working product.

CertiK audit of Mutuum Finance was completed with a 90/100 Token Scan result. Halborn security is considering smart contracts in regard to collateral conduct, interest modifications and liquidation validity. I have a bug bounty of $50K currently in place to assist in uncovering problems before live lending gets started.

Owing to V1 also bringing borrowing action, multiple observers of crypto projections articulate that MUTM has the likelihood to take over 4x to 6x provided user adoption increases over the initial months of the testnet.

mtTokens and Buy Pressure 

The design of yield in Mutuum Finance relies on mtTokens. When the interest is paid by the borrowers, those tokens appreciate. By lending out a sum of ETH of $600, a user would find an increase of the number of its mtTokens as borrowers utilize the protocol. This develops activity linked to predictable APY and not inflation.

The day-to-day action is also robust owing to a 24 hour leader board and the winner of the day gets $500 in MUTM. This ensures that the participation in various regions is maintained. Together with these mechanics, several analysts think that the token may have a range of 7x to 10x shoot-up as long as lending volume is increased in the first years of operation on mainnet.

Mutuum Finance is developing a USD-pegged interest-backed stablecoin. The use of stablecoins enables lending systems to expand since the value of loans is predictable due to the removal of volatility risk. Liquidity in the protocol is also improved by the existence of a strong stablecoin.

The project will extend to layer-2 networks in order to pay less and receive better speed according to the official roadmap. The lending systems should have rapid settlement of collateral amendments and liquidation verification. L2 scaling ensures that the protocol is more efficient when the activity increases.

Phase 6 is in full stride, allocation is in the last phase. The percentage of tokens that are left at $0.035 is less than 5% and Phase 7 will increase the token price by almost 20%. Phase 1 participants are positioned for an upside potential of 500% at the launch price of $0.06.

Another recent acquisition of a whale allocating over $100K left the supply even less. When investors anticipate good growth potential in the roadmap activities, whales usually cause the heightened activity.

As V1 is coming up, a steady coin is being developed, audited contracts are signed and funds are nearly used up, Mutuum Finance (MUTM) is believed to position as one of the potential best crypto to invest in that is going under $0.04 by several investors.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance