The Penny Coin Traders Are Buying Now, Could This Be the Pre-Bull Run Pick?

When the market is shaking and headlines scream crypto crash today, experienced penny coin traders start paying closer attention, not backing away. This phase is often where early positions are built, not when prices are already high. Right now, many of these traders are focusing on Mutuum Finance (MUTM), a low-priced crypto still in presale phase 7 that is drawing interest as a structured, utility-driven project rather than a hype-only token.

Mutuum Finance (MUTM) is currently valued at $0.04 and is moving through its Phase 7 presale after starting at just $0.01. This already reflects a 300% rise from its initial entry point, achieved before any public exchange exposure. For traders searching for the next crypto to hit $1, this early pricing window is where strategic accumulation is happening, especially during broader market uncertainty.

Why Presale Phase 7 Is Catching Trader Attention

Mutuum Finance (MUTM) is still in presale, with 45.5% of its fixed 4 billion token supply allocated specifically for this stage. That equals 1.82 billion tokens reserved for early participants. What makes this phase particularly attractive is the staggered pricing system. Each presale phase increases the token price by nearly 20%, creating a built-in incentive to enter earlier rather than later.

At $0.04 in Phase 7, traders are positioning themselves ahead of upcoming phases where prices will rise automatically. This structure is not random. It is designed to reward early conviction and penalize hesitation. As the presale advances, later buyers will enter at higher valuations, while Phase 7 participants will already hold tokens at a lower cost basis.

Security is another factor driving confidence during this period. In November 2025, Mutuum Finance (MUTM) completed a formal smart contract audit conducted by Halborn, a well-known blockchain security firm. The assessment reviewed core protocol code, identified six issues including one high-severity finding, and confirmed that all reported items were fully resolved before audit completion.

Halborn verified that 100% of findings were remediated, reinforcing the protocol’s technical readiness as it progresses toward its V1 testnet and eventual launch. For traders navigating crypto crash today narratives, this level of security validation stands out. It signals preparation, accountability, and long-term intent rather than rushed deployment.

P2C vs P2P Lending Models

Mutuum Finance (MUTM) is a decentralized, non-custodial liquidity protocol that will allow users to participate as lenders, borrowers, or liquidators. The platform is structured around two lending models, each serving a different type of market demand while maintaining protocol stability.

The Peer-To-Contract (P2C) model will operate through shared liquidity pools. Lenders will deposit crypto assets into pooled smart contracts and earn interest, while borrowers will access liquidity by providing overcollateralized assets. This pooled structure improves capital efficiency and removes the need for direct lender-to-borrower matching. Interest rates will adjust dynamically based on pool usage, supporting a balanced lending environment.

Alongside this, Mutuum Finance (MUTM) will introduce a Peer-To-Peer (P2P) model designed for more speculative assets such as PEPE or SHIB. These assets are typically excluded from pooled environments due to higher volatility. By isolating them in a dedicated P2P marketplace, the protocol preserves overall security while expanding asset diversity. This separation allows users to explore higher-risk opportunities without exposing the core system to unnecessary instability.

Borrowers on Mutuum Finance (MUTM) will be able to choose between variable and stable borrow rates. Variable rates will fluctuate based on liquidity usage, while stable rates will remain fixed, offering predictability for users who prefer consistent repayment terms. This flexibility will appeal to a wide range of participants once the platform becomes active.

How Mutuum Finance (MUTM) Is Built to Attract Long-Term Demand

The real demand could lie in the platform’s buy-and-distribute mechanics. Depositors will receive mtTokens when they supply liquidity, representing their pool share and earned interest. These mtTokens will be usable as collateral and will also be stakeable in designated smart contracts for additional MUTM rewards.

A portion of platform revenue generated from lending and borrowing activity will be allocated to repurchasing Mutuum Finance (MUTM) tokens from the open market. These tokens will then be distributed to mtToken stakers. As platform usage grows, this mechanism will create ongoing buy pressure, aligning user participation directly with token demand.

The team also expects that a beta version of the platform may coincide with the official token release. This early-access environment will allow users to test lending, borrowing, and staking features, helping drive adoption, confidence, and organic word-of-mouth growth. Increased usage will naturally strengthen demand for MUTM as the ecosystem expands.

Community Growth Efforts

Community engagement is already active. Mutuum Finance (MUTM) has built a Twitter following exceeding 12,000 users and is running a $100 giveaway, where ten winners will receive $10,000 worth of MUTM tokens each. The dashboard is already live, allowing investors to track holdings and calculate projected returns. The Top 50 leaderboard rewards the largest participants with bonus MUTM tokens, and a daily 24-hour leaderboard reset adds competitive momentum. Each day, the top-ranked user who completes at least one transaction receives $500 in MUTM, with resets occurring at 00:00 UTC.

As presale phase 7 continues, Mutuum Finance (MUTM) is shaping up as a calculated pre-bull run entry that penny coin traders are already moving toward. When momentum shifts, early decisions made at $0.04 will define who positioned ahead of the crowd and who arrived after the opportunity passed.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post The Penny Coin Traders Are Buying Now, Could This Be the Pre-Bull Run Pick? appeared first on Blockonomi.