In a market still recovering from a crypto crash, investors are paying closer attention to value, timing, and real utility. One project quietly standing out is Mutuum Finance (MUTM) . Priced low, structured smartly, and built around real defi crypto use cases, MUTM is starting to show early signs of being one of the fastest movers in its category as momentum builds during its presale journey. Early Entry Means Clear Advantage Currently valued at $0.040, the MUTM token is progressing through Phase 7 of its presale after starting at just $0.01. That move already reflects a 300% increase from the initial phase, achieved without hype cycles or speculative spikes. With a total supply capped at 4 billion tokens and 45.5% of that supply, or 1.82 billion tokens, allocated to presale participants, Mutuum Finance (MUTM) is structured in a way that supports appreciation as demand grows. What is creating urgency is the project’s staggered pricing model. Each presale phase raises the token price by nearly 20%. That means buyers entering at Phase 7 are still securing a noticeably lower entry point compared to later phases. Someone purchasing MUTM at $0.040 secures more tokens for the same capital than someone entering Phase 9 at $0.05 or Phase 11 at $0.06. As the presale advances, the same investment amount will translate into fewer tokens, locking late entrants into a smaller upside window. The token remains discounted at this stage, and the gap between current buyers and future buyers continues to widen with every phase progression. Accessibility has also improved. Besides crypto, Mutuum Finance (MUTM) has introduced card purchases with no limits, removing friction for new participants and making entry faster for those who want exposure without navigating complex swaps. A Practical DeFi Model Built for Real Use Mutuum Finance (MUTM) is a decentralized lending and borrowing protocol designed to let users earn, borrow, and stay liquid without selling their crypto. The platform will operate using two distinct lending models that serve different asset types and risk profiles. The Peer-to-Contract model will focus on widely used assets such as stablecoins and well-known cryptocurrencies. In this model, lenders will pool assets like USDT, DAI, and other major coins into audited smart contracts. Borrowers will access these pools by providing overcollateralized assets. Interest rates will adjust automatically based on how much of each pool is being used. When demand for borrowing rises, rates increase, encouraging more deposits and maintaining balance within the system. Depositors in this model will receive mtTokens, which represent their share of the pool and grow in value as interest accrues. These mtTokens will also be usable as collateral, allowing users to unlock additional flexibility. A user lending $150,000 in USDT through the protocol will receive mtUSDT at a 1:1 ratio. With an average annual yield around 10%, driven by pool usage, that position will generate $15,000 in passive income over a year, all while remaining on-chain and transparent. Borrowers benefit as well. Someone holding $5,000 worth of ETH will be able to use it as collateral and borrow a portion of its value based on the assigned loan-to-value ratio. This approach provides liquidity without forcing the sale of long-term holdings, keeping exposure intact while unlocking usable funds. For higher-risk assets, Mutuum Finance (MUTM) will introduce a Peer-to-Peer lending model. Tokens such as SHIB, and PEPE will be isolated from core liquidity pools. In this environment, lenders and borrowers will set terms directly, including rates and duration. While this model carries more risk, it also offers higher return opportunities, all while protecting the stability of the main protocol. Upcoming Protocol Launch Will Pull Investors Mutuum Finance (MUTM) announced via its official X channel that the V1 release of its protocol is set to go live on the Sepolia Testnet in the near term. This initial rollout will introduce the platform’s core functionality, including the liquidity pool, mtToken and debt token systems, and an automated liquidator bot designed to protect collateral positions and ensure stable protocol operations. At this stage, users will be able to lend, borrow, and use ETH or USDT as collateral. Launching V1 on the testnet gives the community early access to explore the protocol ahead of the mainnet launch. This structured rollout improves transparency, encourages early participation, and allows the development team to gather real-world feedback for optimization. As user activity increases, overall interest in the ecosystem may strengthen, supporting sustained confidence and long-term demand for the MUTM token. Road to $1: Utility, Security, and Community-Driven Growth Mutuum Finance (MUTM) is being built with long-term utility at its core. Its smart contracts have already undergone a full security audit by Halborn in November 2025. The assessment identified six issues, including one high-severity item, all of which were resolved before completion. Halborn confirmed full remediation, reinforcing confidence as the protocol moves toward testnet deployment and beyond. Unlike projects driven purely by speculation, project ties MUTM demand directly to platform activity. Lending, borrowing, staking, and buyback mechanisms will all rely on MUTM usage. As on-chain activity grows, token circulation increases organically rather than through artificial incentives. Future expansion includes an over-collateralized stablecoin system. Users will be able to mint a decentralized $1-pegged asset by locking approved collateral such as ETH or SOL. Every mint and repayment will create transactional demand within the ecosystem, adding another layer of real utility tied to MUTM. The protocol will also support stable interest rates for selected assets. Borrowers choosing this option will lock predictable repayment costs at a higher starting rate, balancing certainty with system safety. Rebalancing mechanisms will protect liquidity if market conditions shift sharply, ensuring fairness for all participants. All loans will remain overcollateralized, and a stability factor will trigger liquidation when thresholds are breached, preventing bad debt from spreading. Community growth is already a strong pillar. With over 12,000 followers on Twitter, Mutuum Finance (MUTM) is running a $100K giveaway where ten winners receive $10,000 worth of MUTM tokens each. The live dashboard allows users to track holdings and calculate ROI, while the Top 50 leaderboard rewards the largest participants with bonus tokens. A daily incentive now grants $500 in MUTM to the top contributor every 24 hours, resetting at 00:00 UTC and encouraging consistent engagement. Conclusion As the market shifts toward substance after the crypto crash, Mutuum Finance (MUTM) is positioning itself as a defi crypto project built on structure, security, and real demand. With its presale still in Phase 7, a disciplined pricing model, and expanding utility, MUTM is shaping up as a low-priced asset showing early signs of rapid movement toward higher valuations. For those watching timing closely, the current phase represents a narrowing window before the next price step locks in. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses. The post This Cheap Crypto Could Be the Fastest Mover Toward $1, Early Signs Appear appeared first on Times Tabloid .
