Cheap tokens with real products are catching everyone’s eye right now. Traders are watching new DeFi projects that combine low entry prices with strong utility. Among them, Mutuum Finance (MUTM) is turning heads. It is one of the few new projects building real tools for lending, borrowing, and staking in one place. As crypto prices keep changing, investors are searching for the next crypto to hit $1, and MUTM is already trending on charts because of its practical use and fast-selling presale.
Mutuum Finance (MUTM) is still in its presale phase, yet it has already drawn huge attention. The project is now in Phase 6, where each token costs $0.035. Out of the 170 million tokens available in this phase, almost 80% are already sold. Across all phases so far, the team has raised around $18 million, and over 17,500 people are now holders. The total supply is fixed at 4 billion MUTM tokens. When Phase 7 begins, the price will increase to $0.040 — a 15% jump. This makes the current phase one of the last chances to buy cheap before the price rises again.
Two Ways to Lend and Borrow
Mutuum Finance (MUTM) is building two main lending models. The first is Peer-to-Contract, or P2C. It lets users lend assets like USDT or ETH into secure smart contract pools. These smart contracts are fully audited, and lenders receive mtTokens as proof of their deposits. They also earn interest based on how much the pool is used. Higher use means higher rates for lenders.
The second model is Peer-to-Peer, or P2P. It is designed for tokens that are more risky or less liquid, such as meme coins. Here, two users agree on custom loan terms directly. This allows higher returns for lenders who take on extra risk, while keeping the main liquidity pools safe and separate.
As per X team, Mutuum Finance (MUTM) will soon roll out its V1 of the protocol on the Sepolia Testnet. This version will include the Liquidity Pool, mtToken, Debt Token, and Liquidator Bot. Users will be able to lend, borrow, and use ETH and USDT as collateral. It will be the first public look at how the platform works before the full mainnet launch.
Utility That Builds Real Demand
An early investor who swapped $10,000 worth of BTC during Phase 1 at $0.01 received 1,000,000 MUTM tokens. At today’s presale price of $0.035, that amount is already valued around $35,000 — a 3.5× gain before the project is even listed. When listing begins around $0.06, the same holding would be valued at $60,000, or 6× the initial amount.
Analysts tracking presale growth expect a realistic price of $0.30 within a few months after launch. That means $300,000 in value from the same Phase 1 entry. The logic is simple: higher platform activity brings more lending revenue, which funds buy-and-distribute events that send MUTM back to stakers.
All the core actions inside Mutuum Finance (MUTM) — lending, borrowing, and staking — will use MUTM. This means every new user increases token demand. As more mtTokens are used as collateral, staking activity will rise too, locking more tokens and deepening user engagement.
Another strong growth driver is the buy-and-distribute system. Every time the platform earns revenue, part of it will go toward buying MUTM from the open market. Those repurchased tokens will then be shared with mtToken stakers as rewards. This creates a steady cycle where higher activity leads to more rewards, and more rewards attract more users.
Community Expansion
The platform’s 24-hour leaderboard already adds excitement. Every day, the top user who makes at least one transaction wins $500 in MUTM. The leaderboard resets at 00:00 UTC, giving everyone a fresh chance to compete. Such incentives, along with a strong community and an active dashboard, are helping the project gain real traction even before launch.
Phase 6 is now nearing its end, and the price will rise to $0.040 in Phase 7. For investors searching for the next crypto to hit $1, this may be the moment to move. Charts are whispering, and this cheap token is a screaming opportunity — but only for those who act before the window closes.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
This article contains information about a cryptocurrency presale. Crypto Economy is not associated with the project. As with any initiative within the crypto ecosystem, we encourage users to do their own research before participating, carefully considering both the potential and the risks involved. This content is for informational purposes only and does not constitute investment advice.
