There are those that are propelled by hype. Others come as product infrastructure, capital and user behavior begin co-ordinating. The focus within the past year has changed to the second category. This is when the analysts start plotting long-term rises rather than short speculative actions.
A new cheap crypto has come into the picture. It is trading below $1, carries finished security audits and an established protocol launch is in the offing. According to some models of analysts, it might have a valuation of 10x to 15x growth when adopted in the anticipated trends.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is the project under consideration. It is creating a decentralized system of lending and borrowing. The system encourages borrowing into liquidity pools and straight borrowing that is secured.
Lenders can enjoy the passive yield of the demand to borrow money and the borrowers are able to procure the credit without selling off assets. These mechanics are the basis of the modern crypto markets. They generate protocol revenue too rather than speculative attention.
Long term capital is interested in this structure. Multi-year positioning investors usually seek projects to generate usage and cash flow as opposed to short-term social momentum. That is why lending protocols are historically one of the most sustainable elements of decentralized finance.
Presale Growth Since Early 2025
Since the beginning of 2025, the token has been sold in a structured presale. It was selling at $0.01 during Phase 1 and is currently at approximately $0.04 during Phase 7, which is approximately 300% higher than the initial step. This incremental pricing has established a group of early adherents as opposed to high turnover.
Over $19.8 million have been collected and the number of holders has gone past 18,800 wallets. A total of 45.5% presale allocation of the 4 billion supply of MUTM have already been sold, with over 825 million units sold out of 45.5% of the presale allocation.
This trend is one of accumulation. Before the protocol can be put into live use, participants are establishing cost basis positioning. These accumulation windows frequently occurred in earlier DeFi cycles, when visibility of the market had not expanded. Since Phase 1 buyers came on at $0.01, they are poised for 500% MUTM appreciation at the affirmative pricing of $0.06 on launch alone, without additional post-launch markets.
V1 Activation and Adoption Curve Model
The second achievement that will take place at Mutuum Finance is the launch of its V1 protocol. The official communication of the project stated that V1 will be launched on Sepolia testnet on Ethereum first before the mainnet. The V1 will allow on-chain lending and borrowing, collateral management, interest rate logic, and liquidation execution. This is where the protocol passes the transition phase of planning into quantifiable user action.
The adoption in the crypto industry tends to be on a curve. The testnet activity starts with testing and simulation. The early lender and borrower usage is presented with the mainnet activation. With time, it is utilized more when the yield, liquidity and credit mechanics are appealing.
The buildout has involved security. Ahead of V1 Mutuum Finance underwent an audit by Halborn Security, a 90 out of 100 score on Token Scan by CertiK, and a $50,000 bug bounty to unearth vulnerabilities.
Effects of Compounding
Mutuum Finance design offers depositors pooled markets in the form of mtTokens. These are the mtTokens that track the position of deposits and would yield as the borrowing would rise. Upon depositing 1,000 USDC, a user will get mtUSDC. When the demand is low in the borrowing sector, the APY can be close to 3% to 5% but when the borrowers utilize most of them this can rise to 8% to 12% as the borrowers fight to access the liquidity.
Buy-and-distribute is another system that is used as a mechanic. Part of the protocol fees are allocated to acquire MUTM at open markets and repurchase it to those who stake mtTokens in the safety module. This creates demand for usage.
It also generates a cyclical effect such that the increased use results in increased revenue and increased revenue results in increased purchase of tokens. In the long-term holding conditions, the analyst models indicate that MUTM could be trading in the range of 0.40$ to 0.60$ in 2027 which would translate to a potential 10x to 15x increase on its present presale values.
With the crypto market entering 2026 and 2027, projects with viable application strategies are being monitored over narrative tokens. Mutuum Finance is in that group since it is about to launch and enter the first stage of actual usage.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Source: https://www.cryptopolitan.com/the-only-cheap-crypto-with-security-audits-and-v1-protocol-launch-ahead-experts-see-15x-upside/
