This New Cryptocurrency Under $0.04 Surges 250% and Hits 96% Allocation in Phase 6 – Here’s Why It’s Gaining Traction

Why Is Mutuum Finance (MUTM) the Talk of Crypto Right Now?

Priced under $0.04, Mutuum Finance’s MUTM token has skyrocketed 250% since its January 2025 debut at $0.01, now trading at $0.035. The project has raised $19.1 million across 18,300+ token holders, with early buyers snapping up 810 million tokens. Phase 6 of its presale is 96% filled, leaving just 4% of the 1.82 billion allocated tokens remaining. The official launch price is set at $0.06, suggesting potential upside post-listing. Data from CoinMarketCap shows MUTM’s trading volume spiked 300% last week, signaling growing market interest.

What’s Driving the Presale Frenzy?

Mutuum’s presale momentum stems from its innovative credit protocol. Users supplying assets like ETH or USDT receive mtTokens, which appreciate as borrowers pay interest—creating a natural APY. A buy-and-distribute model further incentivizes holders: protocol revenue buys MUTM from open markets, redistributing tokens to stakers. "This dual-reward structure is rare in DeFi," notes a BTCC analyst. "It creates compounding demand while reducing sell pressure." CertiK’s audit score of 90/100 and a $50K bug bounty add credibility.

How Does Mutuum’s Lending Protocol Work?

The system tracks user activity across blockchains to determine creditworthiness. Borrowers collateralize assets to mint mtTokens, which lenders can stake in a "safety module" for additional MUTM rewards. chainlink oracles ensure accurate pricing, while Halborn Security audits smart contracts. "It’s like a decentralized credit score meets yield farming," observes DeFi researcher Lena K. The upcoming V1 testnet on Sepolia (Q4 2025) will debut liquidity pools and a debt-tracking model.

What’s Next on the Roadmap?

Mutuum plans a USD-pegged stablecoin backed by loan interest revenue—a MOVE that could boost liquidity. The team also hints at ETF integrations once reference assets gain traction. Recent whale activity (including a $110,000 purchase) suggests institutional interest. With Phase 6 nearing completion, the countdown to V1’s mainnet launch has begun. TradingView charts show MUTM’s RSI at 68, indicating room for growth before overbought conditions.

Could MUTM Be 2026’s Breakout DeFi Token?

Given its 250% rise before product launch, some predict 400-700% gains during the next bull cycle. "The buy-and-burn mechanism creates perpetual demand," argues crypto influencer Marco T. However, skeptics caution that presale projects often face post-listing volatility. As always, DYOR—this article doesn’t constitute investment advice.

FAQs About Mutuum Finance

What is Mutuum Finance’s current price?

As of December 2025, MUTM trades at $0.035 during its Phase 6 presale, up 250% from its $0.01 starting price.

When does Mutuum’s V1 launch?

The testnet launches in Q4 2025 on Sepolia, with mainnet expected shortly after pending audits.

How does the mtToken system work?

Lenders receive mtTokens representing their share of the lending pool. These tokens accrue value as borrowers repay loans with interest.