As investors begin preparing their strategies for 2026, one new crypto priced at just $0.035 is gaining strong attention across the market. Early forecasts now point to a potential long-term surge, with some models outlining scenarios where Mutuum Finance (MUTM) could rise more than 1,200% if adoption grows after its first protocol release. With development advancing and demand rising inside the presale, interest around this emerging DeFi crypto continues to intensify.

Mutuum Finance and MUTM Presale Growth

Mutuum Finance is building a decentralized lending system designed to support predictable yield, safe borrowing mechanics and transparent collateral rules. The protocol uses a Peer-to-Contract (P2C) market where users supply assets into liquidity pools and receive mtTokens in return. These mtTokens increase in value as borrowers repay interest, giving suppliers APY based entirely on real protocol activity.

A second Peer-to-Peer (P2P) environment allows borrowers to open isolated positions with flexible rate types. Borrowers can choose variable rates that adjust with utilization or stable rates for more predictable repayment. Each position is managed through loan-to-value (LTV) limits, which scale based on asset volatility. Lower-risk assets may support LTV ratios near 75%, while more volatile assets are capped around 35%–40%. If collateral falls below safety thresholds, automated liquidations activate to protect the lending pool.

The presale for MUTM began in early 2025 at $0.01. Participation increased steadily through each phase, leading to the current price of $0.035, marking a 250% rise during development. The project has now raised over $19M and grown to more than 18,300 holders. Out of the total 4B MUTM supply, 1.82B tokens (45.5%) were allocated to the presale, and more than 800M have already been acquired.Phase 6 is now moving through its final portion, contributing to increased focus as the token moves closer to its $0.06 launch value.

Security Layers 

According to the official Mutuum Finance X account, V1 will launch on the Sepolia Testnet in Q4 2025. This first version includes the liquidity pool, mtTokens, the liquidation bot and the debt-tracking token. ETH and USDT will be supported from the start, allowing users to test core lending functions before the protocol goes live on mainnet.

Security remains a major part of the development strategy. Mutuum Finance completed a CertiK audit, which delivered a 90/100 Token Scan score, and the lending and borrowing contracts are now under review by Halborn Security. This dual-layer audit structure helps build confidence around the protocol’s long-term stability.

Because of these factors: maturing development, security coverage, and early community growth, some analysts project that MUTM could move into the $0.20–$0.30 range following V1 activation. From $0.035, this would represent early multiple growth if user activity expands through 2026.

mtTokens, Revenue-Backed Buy Pressure, Oracle Infrastructure and Second Projection

Yield generation inside the Mutuum Finance ecosystem is driven by mtTokens, which appreciate as borrowers repay interest. Instead of depending on inflationary rewards, mtTokens follow real usage, which makes APY more sustainable and directly tied to lending demand.

Mutuum Finance also integrates a buy-and-distribute system. A portion of protocol revenue is used to buy MUTM from the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This mechanism naturally increases buy pressure and reduces the liquid circulating supply as the protocol grows.

Accurate price feeds are essential for safe lending, so Mutuum Finance is implementing Chainlink oracles, fallback feeds and on-chain price verification. These ensure liquidation events follow predictable rules, improving long-term stability.

Thanks to mtToken yield, protocol-driven buybacks and stable oracle pricing, some analysts outline a second-stage target of $0.35–$0.50 if V1 sees broad adoption. At current levels, this reflects a meaningful multiple supported by actual functionality rather than hype.

Why Analysts Compare MUTM to Early Solana

Some analysts say Mutuum Finance shares similarities with early Solana (SOL) in terms of timing rather than technical design. Solana gained traction quickly because it delivered a working product before most competitors, its early community expanded at an impressive pace, and it emphasized real utility during a market cycle that rewarded high-performance platforms.

Mutuum Finance is showing comparable early-phase behavior. The project is preparing a working lending protocol before launch, has grown steadily to thousands of holders, completed multiple audits and built a structured ecosystem centered on collateralized lending, mtToken-based yield and oracle-supported risk management.

Additionally, analysts highlight that the project’s future components — stablecoin, layer-2 scaling and structured liquidation tools — give it the foundation of a next-generation lending protocol. Because of these factors, some long-term projections suggest that MUTM could reach $0.50–$0.70 during a strong DeFi cycle, with even more bullish scenarios stretching toward the $1.00–$1.20 range if lending volume scales. From the current $0.035, this represents potential growth in the 1,000%–1,200% range under favorable market conditions.

Phase 6 Acceleration and Urgency at This Stage

Mutuum Finance’s Phase 6 allocation has moved faster than any previous phase. With the stage now close to completion and only a small amount of supply still available at $0.035, many investors are preparing for the pricing shift as the token approaches its official launch value of $0.06.

Whale participation has also increased in recent days. Several large allocations, including multiple six-figure purchases, have accelerated the final pace of Phase 6. Whale entries at this stage typically reflect confidence in the project’s development timeline and upcoming Testnet release.

As the supply under $0.04 diminishes, interest continues to rise across users seeking exposure before the next major phase. With V1 coming, audits underway, stablecoin development progressing and demand strengthening, Mutuum Finance is becoming one of the most closely watched next crypto launches heading into 2026.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Best Crypto to Buy for 2026: Price Prediction Shows This $0.035 New Crypto Could Surge 1,200% appeared first on Blockonomi.