This New Crypto Is Under $0.04, but Not for Long, Investors Rush as 20% Price Increase Approaches

Crypto markets tend to provide indications of a price step occurrence. The supply becomes tight and the participation grows as well as the attention. This is normally the stage at which a token no longer gets silently piled up and begins to be watched vigorously. It seems that time is shaping up now around a new DeFi crypto which still seems below $0.04, only temporarily, as the next crypto price node emerges.

Where MUTM Stands Right Now

The current price of Mutuum Finance (MUTM) is $0.035 USD in presale, at Phase 6 which currently is more than 99% allocated. Pricing direction of the project was transparent from the beginning. The sale started at the beginning of 2025 at a price of $0.01 and the token has been moving in fixed steps without responding to the market fluctuations. In the initial stage until now, MUTM already has a 250% growth.

The official price at launch will be the next milestone which is $0.06. At such a level, the participants of early Phase 1 are staged to grow by about 500% according to the developed pattern. The next phase change will be a close to 20% price jump, and this is why the activity has been escalated with the completion of Phase 6.

This change is supported by the number of participants. Mutuum Finance has until now raised $19.30M and has over 18,400 holders. These numbers have not built in a day but have been built gradually, according to many observers, this is an indication of a build up and permanent interest as compared to a spike in interest.

The Vision Mutuum Finance Is Creating

Mutuum Finance plans to create a decentralized loaning and borrowing framework based on a dual loaning framework. Emphasis is made on anticipated mechanics and actual application.

The users who provide assets get mtTokens which escalate in redeemable value as the borrowers pay interest. This is directly linked to yield as opposed to token emissions. On the consumer side, customers obtain liquidity by specific terms stipulated in regard to the rates, collateralities and terms of repayment. The structure is to be used in the same way in the market environments.

The buy-and-distribute system is the other key component. Some of the protocol fees are utilized in acquiring MUTM in the open market. The open market buying of MUTM is repackaged to the individual users who stake the mtTokens on the safety module. This ties activity in the platform to the continuous demand and promotes longer holding action.

Security has been developed with development. Mutuum Finance passed a CertiK audit with a 90/100 Token Scan grade and Halborn Security will be examining the final smart contract under formal analysis. It has a bug bounty of $50K in place to find code vulnerabilities early and this is particularly vital to a lending-centric DeFi crypto.

Stablecoin, Oracles and the Price Outlook

Outside of the main lending structure, Mutuum Finance will offer a protocol native stable coin paid in interest on money in the system according to the official roadmap. Stablecoins linked to intra-ecosystem activity frequently add to the liquidity and value in circulation within the ecosystem.

These features are based on proper pricing. Since Chainlink price feeds will be used, Mutuum Finance will be backed by fallbacks and aggregation sources. Collateral valuation and liquidation logic require a reliable oracle infrastructure with increasing usage.

Bullishly, given that the supply is tight, protocols are in use, and systems level purchases, the concerns are that there are some analysts who assume that it is possible to have a meaningful 10x increase over time. Such projections are associated with adoption and implementation as compared to inertia in the short term.

The reason why Phase 6 is the Pressure Point

The importance of phase transitions is due to the fact that they reestablish the conditions of entry. Phase 6 is almost sold out with slight availability at the prevailing price. Traditionally, the stage of late phases is more likely to be drawn to attention as the availability becomes decreased.

Recent trading has featured whale allocations around $100K or so that can be seen most typically as participants that are larger in the market than the milestone being placed before it. These entries give credence to the fact that the present phase is being regarded as a final window ahead of the following price level.

There has been a high level of community involvement. The 24-hour leaderboard which gives the daily contributor the highest reward, $500, in MUTM keeps the activity visible. There are unlimited ways to choose card payment options, which will ease the new participants as the attention grows.

V1 Timing and Why It Matters

As stated in the official X statement, V1 will go live in the Sepolia Testnet in Q4 2025. This launch presents a new framework Liquidity Pool, mtToken, Debt Token and Liquidator Bot supported by ETH and USDT as the initial assets. In most DeFi projects, this is the shift between development and general testing when valuation structures start to shift.

Mutuum Finance (MUTM) is in a stage of murk. It is only slightly below $0.04, yet Phase 6 is being distributed above 98%, and the following phase is planned to increase the price by approximately 20%. The amount of raised funds, amount of holders, good security reviews, and confirmed timeline of V1 all contribute to the fact that several signals are hitting simultaneously.

In the case of those following the topic of best crypto to buy now, this phase can be the transition of quiet positioning to broader awareness. With the supply getting constrained, and the following price band being reached, MUTM is passing out of the low-profile stage, and into a phase where timing becomes the key element.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance