Top Crypto to Buy Now? MUTM’s Price Model Suggests It Could Climb 60x Before BTC Hits a New ATH

With Bitcoin (BTC) moving steadily but cautiously toward a new all-time high, investors are starting to zoom out and ask a bigger question: which early-stage projects could multiply in value before BTC finishes that climb? While most of the focus is on legacy tokens, some are quietly turning to Mutuum Finance (MUTM) — a presale-stage protocol priced at $0.025 that’s gaining traction for reasons far beyond market speculation.

MUTM’s pricing structure, combined with its fundamentals and treasury-linked incentives, has given some early analysts reason to believe it may grow 60x or more from current levels — potentially before Bitcoin crosses its next major threshold. That kind of upside isn’t based on hype but rather the math behind how Mutuum is built and where it’s heading.

Mutuum Finance (MUTM)

Unlike many presale tokens that rely on vague roadmaps or soft timelines, Mutuum Finance has anchored its development around a tangible sequence: build, fund, and deliver. The protocol is currently raising through its fourth presale phase, which has already seen over $7.7 million contributed by more than 9,500 holders. Since the price is scheduled to rise from $0.025 to $0.03 in the upcoming phase and debut at $0.06, getting in now secures a profit ahead of any exchange listings.

What makes this even more compelling is how the price model reflects potential market expansion. If BTC were to revisit a new high, it’s likely that strong-performing DeFi tokens — especially those with actual on-chain use — would follow. MUTM, being backed by a working model and a real financial mechanism, positions itself for that momentum.

The projected 60x surge doesn’t come from thin air. The model begins with Mutuum’s launch price of $0.06 and assumes long-term growth driven by real adoption and increased lending volume. As revenue flows into the protocol, it’s used to buy back tokens on the open market — which are then distributed to users who hold mtTokens, the platform’s deposit-backed utility tokens.

As more lending and borrowing happens, more tokens are bought and distributed without creating new supply. As a result, demand increases while sell pressure stays limited — a formula that supports gradual price appreciation as usage grows.

So if BTC’s movement signals a broader market run, and Mutuum’s adoption scales with it, that 60x target reflects a scenario where early participants benefit directly from increased protocol utility, not just speculative flow.

At the moment, opportunities to purchase MUTM at the $0.025 price point are becoming limited. The fourth presale phase is more than 63% complete, and the price increase to $0.03 is just around the corner. Given that the token is expected to launch at $0.06 — and that new participants are joining daily — each phase compresses the potential return for those entering late.

This is exactly why traders looking for the best crypto to buy now are not just watching BTC — they’re acting ahead of it. The logic is simple: entering utility-driven protocols early provides a stronger upside than joining a top-tier asset at its peak.

Mutuum’s developers have taken a clean, structured approach to their rollout. The smart contracts powering the protocol are undergoing a full audit by CertiK, and the team recently introduced a public dashboard that showcases the top 50 contributors — each of whom receives a unique bonus based on their ranking in the presale.

In addition, the platform is set to launch a beta version at the time of the token’s release, meaning that utility will be available right from the start. This helps avoid the post-launch delay seen in many DeFi projects, where hype fades before the product arrives.

Bitcoin’s path to a new high may still take time — but smart capital isn’t waiting on BTC alone. Projects like Mutuum Finance, with real-world use and a sustainable model, are seeing early accumulation from those who understand timing and value.

With its current price still under $0.03, a well-structured buyback model, and utility set to go live at launch, MUTM is increasingly being considered one of the top cryptocurrency opportunities before the next major market move. For those building for the long haul, this might be the moment to pay attention — before the numbers start to shift.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance