MUTM at $0.035: The Dark Horse Crypto Dominating Q4 2025 With 95% Phase 6 Completion

A new contender emerges from the crypto trenches—priced at just $0.035, MUTM isn’t just climbing; it’s bulldozing through Phase 6 with a 95% completion rate. Forget 'quiet accumulation'—this is a full-scale market incursion.

Why the frenzy? Speculators are piling in, betting Q4 2025 will be MUTM’s breakout season. The project’s roadmap—once dismissed as vaporware—now stares skeptics in the face with near-total phase execution. No promises, just progress.

But let’s be real: another 'low-cap gem' narrative in a market drowning in them? Cynics will note the eerie timing—right as institutional money starts eyeing the exit. Either way, MUTM’s trajectory cuts through the noise. Whether it’s genius or gamblers’ folly, December will tell.

Quick Presale Growth 

At the beginning of 2025 Mutuum Finance had its token offering at $0.01. Following steady demand in various phases, the token grew to $0.035, which is a 250% growth in presale. It has also raised more than $19M and over 18 200 holders up to date and this has made it have one of the most robust early communities in new crypto launches of the year.

The 4B total supply consists of 1.82B (45.5%) of presale. Over 800M tokens have been already bought. Phase 6, is offered at $0.035, which is already 95% filled. Mutuum Finance encourages user participation directly by its 24-hours long leaderboard that rewards the highest contributor each day with $500 of MUTM.

Mutuum Finance is designing a decentralized lending protocol based on a dual lending model. Through this framework, the type of loans offered becomes flexible and the risk is maintained at its check by the well-articulated collateralization rules and liquidation procedures are automated.

One of its components is mtTokens that users are rewarded by providing the assets to the system. Mutuum Finance also functions based on the buy-and-distribute scheme, according to which a part of the protocol revenue is used by buying MUTM on the open market. The purchase of MUTM within the open market is repackaged and delivered to the users interacting with the safety module by staking mtTokens. This is a factor that contributes to sustainable purchase pressure and enhances long-term viability.

Security has been a priority. The project passed a CertiK audit with a 90/100 Token Scan rating, and the lending contracts are currently under review by Halborn Security, which is another addition to the credibility of the platform.

Oracle Network and Analyst Outlook

The team is also developing a native stablecoin that will be minted and burnt depending on the demand. Having its value pegged to USD, the stablecoin will also provide the Mutuum Treasury with an interest, enhancing its liquidity and lending potential.

Chainlink oracles and fall back feeds and on chain data will be used by Mutuum Finance to facilitate the correct liquidation of the events and be able to borrow with consistency. These systems are useful in safeguarding users when the system is volatile and any possible uncertainty on the risk controls of the platform.

On its official X account, Mutuum Finance clarified that V1 will be released on the Sepolia Testnet in the four-quarter of 2025. The launch will place the liquidity pool, mtTokens, the liquidation bot and the ETH/USDT lending support.

Urgency Before Q1 2026

Phase 6 has gone well ahead of time as this milestone is nearing. The remaining tokens are also moving at a higher rate compared to the previous stages as 95% allocation has been reached. A new whale allocation of more than $100K put the presale even closer to the position of complete completion. Massive buying in this phase is a good indication of confidence in the roadmap and future releases.

The combination of practical DeFi functionality, good security audit, mtToken yield engine and stablecoin building and Phase 6 speed could make Mutuum Finance a hot spot next crypto in the upcoming Q1 2026.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance