Next Big Crypto? This $0.035 DeFi Token Is Close to 100% Sellout

Such moments are usually coming in unannounced. Budgets are made, projects are planned to meet, and progress begins to be seen even before the headlines. That trend is re-establishing itself. Emerging token in the DeFi with a price of $0.035 is gaining more attention because its quantity is becoming less and less, and occupation before 2026 speeds up. The hype is not the reason behind the interest.

What Mutuum Finance (MUTM) Is Building

Mutuum Finance (MUTM) is developing a decentralized loan issuer and borrower product that is currently being developed and is supposed to be set up in two different markets to serve two different types of users.

The former is the Peer-to-Contract market. Users deposit assets in a common liquidity pool and they are issued with mtTokens. These mtTokens grow in value that can be redeemed over time as the interest is repaid by borrowers. By way of illustration, when a user sends ETH, he or she is given mtETH. Borrowing causes the reduction in the quantity of ETH that is redeemed as a mtETH. Production is achieved through actual operation, and not emissions.

The second is the Peer to peer market. Borrowers collateralize loans and demand loans that have conditions. The lenders make decisions on what requests to finance. The utilization adjustment to borrow rates and the stable rates can be locked when borrowing a loan at the beginning of the loan. There are Loan-to-Value rules that govern risks. LTVs on lower volatility assets are higher and on more volatile assets they are lower. When the collateral falls below the safe levels, then the liquidations take place in a controlled intercourse.

These two markets combine to promote foreseeable behaviour of lending. This arrangement is one of the reasons as to why preliminary involvement has also increased. Mutuum Finance has already secured $19.30M and over 18,400 holders to date. In the case of a lending protocol, timely liquidity and wide user base is important. They encourage greater depth and lessening of borrowing when it is actively used.

This team has already confirmed its official statement about the launch of V1 in the Sepolia Testnet in Q4 2025, providing the Liquidity Pool, mtToken structure, Debt Token, and Liquidator Bot, and ETH and USDT will be the initial supported assets.

Token Structuring and Price Dynamics 

MUTM is currently trading in presale phase 6 at $0.035. The maximum supply amount is 4B MUTM tokens, and 45.5% or 1.82B tokens is allocated to the presale. So far, 820M in tokens have been sold out.

The token was introduced at the price of $0.01 at the beginning of 2025 and has already grown by 250% according to updates. Phase 1 participants are allotted approximately 500% growth at the official launch price of $0.06 which will be determined in the pricing ladder.

A higher price is added with each stage. Phase 6 is currently approaching full coverage, and the subsequent phase is planned to increase the price of the token almost by 20%. This is an artificial arrangement that is important as it is gradually restrictive to supply and increases the entry level. This has always been the period when participation gains momentum in time and not decelerates.

Basic Understandings of Security and Why It Is Important

During development, security preparation has assumed precedence. The audit of Mutuum Finance yielded a 90/100 score in the token scan CertiK audit indicating good activity coverage of a protocol still at an early development stage. Simultaneously, Halborn Security has the finished lending/borrowing contracts that are being scrutinized during the formal analysis.

Somewhat a $50K bug bounty exists to establish potential vulnerability of the code. These steps are necessary in case of a DeFi lending protocol. Predictable behavior and trust is important to lending platforms before increasing usage. Tackling security earlier than V1 will minimize uncertainty at the stage of user access to actual mechanics.

Positioning Ahead of Q1 2026

Mutuum Finance is an Ethereum-Based project, thus placing their work into the system that is already familiar in the minds of most users. As V1 will launch in Q4 2025, the protocol is in transition between preparation and use announcing itself to many investors as they look to the future, just as Q1 2026.

In addition to lending, the roadmap has a protocol-native stablecoin, as it can be supported by interest earned in the system and Layer-2 expansion to cut down on expenses and speed up. Chainlink supported by fallback and aggregated feeds are the backbone of Oracle infrastructure that provides collateral and liquidations with correct prices. These factors carry the protocol further in terms of long term sustainability and does not concern itself with short term maneuvers.

The Window Narrows

Mutuum Finance is on the verge of an unveiling phase. Raised: $19.30M, Holders 18,400, Phase 6 is almost fully allocated,and V1 is confirmed, and with a 250% increase already realized, a wide range of indicators are converging at the same time.

When the projects are at an early stage, but enter the phase, the attention is likely to increase rapidly. To crypto observers, who are keeping an eye on the next big crypto, new cryptocurrency, or what crypto to invest in now, the combination of structure and progress with tightening availability of MUTM is generating a certain kind of urgency that cannot be overlooked.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance