Cheap cryptocurrencies with real development timelines tend to go unnoticed during their early stages. It is usually only after pricing data, audits and roadmap execution become visible that serious attention arrives. A similar pattern is forming around one new crypto that has quietly appreciated 300% since 2025. Analysts who track early-stage DeFi assets say the project is now entering the post-visibility stage where price projections begin to form based on upcoming utility rather than pure narrative. Presale Data Shows Steady Investor Participation The cryptocurrency in question is Mutuum Finance (MUTM) . MUTM presale began in early 2025 with a starting price of $0.01. The current presale price sits at $0.04, marking a 300% appreciation for the earliest participants. The project has now raised $19.9M while onboarding 18,900 investors. From the 4B supply, 1.82B tokens or 45.5% have been allocated for early access, and 830M tokens have been sold. Mutuum Finance is now moving through Phase 7 of its presale with more than 6% of the phase already allocated. The launch price is set at $0.06, which positions current buyers at a discount to expected listing value according to the project’s pricing schedule. Market observers note that late presale phases often accelerate as more data becomes public, because valuation uncertainty decreases while pricing remains below launch levels. What Mutuum Finance Is Building Mutuum Finance is developing a decentralized lending platform that allows users to supply assets for APY and open collateralized borrowing positions using digital collateral. The platform routes both supply and borrowing into a unified revenue system. Borrowers generate fees that go to the protocol, while suppliers receive mtTokens that track their position and payout rate. mtTokens can also be staked in the safety module, where users earn MUTM purchased from the open market. A portion of protocol revenue funds those purchases. This buy-and-redistribute model introduces a direct link between borrowing activity and token demand. Analysts like this design because it connects token performance to protocol usage rather than short-term sentiment. Security has been a strong part of the project’s roadmap. Mutuum Finance completed a full audit with Halborn Security and holds a 90 out of 100 token scan score from CertiK. For a lending protocol that deals with collateral and liquidation logic, external audits are considered essential by industry researchers. Stablecoin, Oracles and Analyst Price Models Mutuum Finance also plans to issue an overcollateralized stablecoin that allows users to borrow without selling their assets. Stablecoin borrowers tend to be longer-duration users, which increases revenue visibility for the protocol and helps stabilize APY payout schedules. Layer-2 expansion is also on the roadmap to reduce fees and attract users who avoid higher gas costs on Ethereum Mainnet. The protocol will rely on oracles to feed price data into collateral and liquidation systems. Oracle feeds are considered critical for lending platforms since inaccurate prices can trigger forced liquidations during volatile markets. Some analysts believe that once V1 is released and the team successfully prepares the Mainnet rollout, the token could begin its first major repricing phase. Mainnet activation is expected to align with the official MUTM launch. Under that scenario, several analysts model MUTM in the $0.20 to $0.30 range during 2026. From the current $0.04 presale price, that would represent roughly a 400% to 650% increase under bullish conditions. Phase Progression and Whale Allocations Mutuum Finance has confirmed that its V1 protocol is scheduled for the Sepolia testnet in Q1 2026 with ETH and USDT as the first supported assets. V1 will introduce collateral management, liquidation bots, debt tokens and mtToken accounting in a simulated environment before the Mainnet rollout. Phase 7 continues to advance quickly as more participants enter the presale. Reports of $100K whale allocations during 24-hour periods have appeared, alongside consistent leaderboard activity. The 24-hour leaderboard rewards the top buyer with $500 in MUTM, which has kept participation steady rather than clustered into single days. Whale activity is noteworthy because large buyers tend to wait for audits, development updates and payment access to be visible before entering. Their presence during later phases signals that the project has transitioned from narrative to validation. For investors asking what crypto to invest in for upcoming cycles, analysts say this discovery phase is often when valuation frameworks begin to form and when long-term positioning takes place. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance
