Top Crypto Investors Watch This New Altcoin Closely as Phase 6 Approaches 99%, Still Under $0.04

An altcoin with a price below $0.04, has been increasing its value at a very high rate, is currently gaining steady presence amongst the most active crypto investors given its strategic location at an important stage of early cycle development. As Phase 6 allocation continues to reach 99%, Mutuum Finance (MUTM) is quickly entering a phase where demand, development activity, and market awareness are converging. Numerous traders are now confident that this could be considered one of the most robust arrangements at the beginning of Q1 2026.

Growing Community Momentum

Mutuum Finance (MUTM) was launched at the beginning of 2025 at $0.01. It has already grown to 0.035$ which is 250% token appreciation. The project has raised over $19.1M, attracted more than 18,300 holders and had over 810M presale tokens sold. Phase 6 is all but complete and only a thin slice of supply remains at the prevailing price until the token curves towards its launch price of $0.06.

The increase in participation rates can be attributed to the 24-hour leaderboard being used in the project which awards the highest contributor to the project with $500 in MUTM per day. This routine keeps the interaction constant. Mutuum Finance additionally accepts payment by card, and it is easy to participate as those who do not want to go through various steps to join the ecosystem. All these elements have made one of the most vibrant presale phases of the new crypto launching this year.

What Mutuum Finance Is Developing 

Mutuum Finance is working on a decentralized lending system that is dual-market based. Users are able to lend assets like ETH or USDT and get mtTokens in their turn. These mtTokens increase in value with the payment of interest by borrowers. To illustrate, when an individual deposits $400 in ETH, the value of the mtTokens goes up as lending activities are on the increase. This generates natural production on the basis of actual borrow.

In its turn, a rate model is used by borrowers and is sensitive to the liquidity conditions. Borrowing is inexpensive when the lending pool is healthy. With the tightening of the liquidity, borrowing becomes expensive. The collateral regulations and the liquidation systems serve to maintain the ecosystem in balance. Liquidators can recover a portion of the debt and discounted collateral in the event that the values of collateral are too low. 

It also incorporates a buy and distribute mechanism on the project. A section of the platform revenue will be used in purchasing MUTM in the market. These are the bought tokens that are given to users who stake mtTokens. This provides steady pressure to buy, which increases with the expansion of the protocols.

Another important constituent is security. Mutuum Finance has received a CertiK audit with the score of 90/100 as shown by the Token Scan and Halborn Security is auditing the contract suite. Bug bounty of 50,000 dollars is yet another reinforcement to the reliability of the platform before its launch.

Shrinking Allocation and Whale Interest

On its official X account, the Mutuum Finance team indicated that it plans to launch the V1 testnet in Q4 2025. V1 will present the lending pool, auction Tokens, the liquidation engine and the borrowing logic. The use of ETH and USDT will be supported at launch. The testnet will enable people to test with the protocol the first time and enable the system being formed before the mainnet.

Now phase 6 is coming to 99% and the remaining supply is declining at much greater rate than the previous phases. This is because with late presale stages traders usually come on board hoping that the price of the next stage would upsurge. 

Recent entry of more than $100K by whales served to bring allocation that much further down the line. Whale actions usually indicate an increase in confidence and stimulate the smaller purchasers to the action preceding the shift. It is also used to fasten late sale development.

Mutuum Finance (MUTM), with an increase of 250%, over 18,300 users, audited contract, stablecoin build up, and Q4 V1 launch has become one of the busiest leading crypto talks of the season. The mixture of yield of the mtTokens, the purchase-and-distribute demand, the oracle precision, and the expansion schemes of the layer-2 provide the project with a solid base before 2026.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance