This New Cheap Crypto Is Up 300% in January: Experts Say It’s Still an Early Entry

A low-cost digital asset rockets 300% in a single month—and analysts insist the real rally hasn't even started.

The January Juggernaut

While traditional markets debate interest rates, this obscure token quietly tripled in value. It didn't wait for Wall Street's permission.

Why 'Cheap' Doesn't Mean 'Low-Potential'

Forget the price-per-coin fallacy. Market cap tells the real story—and this project's valuation still sits miles below established giants. Early-stage infrastructure often looks like this before the crowd arrives.

The Expert Consensus: Still Early

Multiple sector analysts point to the project's fundamentals—actual utility, a growing developer base, transaction metrics—not just hype. The 300% surge? They call it a warm-up act.

The Cynic's Corner

Let's be real—your bank's savings account hasn't delivered a 300% return since… well, ever. Traditional finance is still trying to figure out digital wallets while this space moves at light speed.

The window for genuine early entries shrinks by the day. This might be one of the last ones left.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a decentralized lending and borrowing protocol designed towards the contemporary investor. The aim is to allow users to deploy their crypto without selling. You can provide assets to generate an interest or you can make use of your holdings to borrow.

For example, a user who supplies assets could earn an APY of 15% on their deposits, turning a $2,000 balance into $2,300 over a year. If you choose to borrow, the protocol uses a 75% LTV for stable assets, allowing you to take out $750 in loan for every $1,000 you provide as collateral. These clear rules ensure the system remains balanced while giving you the liquidity you need.

The project is presently at presale stage and has already amassed the funds to an excess of $19.9 million. The number of holders on board has already exceeded 18,900, and the momentum is in question. Its presale began at only $0.01 and now it has attained a new height of $0.04 in Phase 7. This is the 300% growth that is making everyone talk. Nevertheless, as it officially launched at 0.06 per share, a discount on joining today is still built in.

V1 Launch and Security Confidence

The largest contributor to the recent momentum increase is the announcement of the V1 protocol launch. The team has ensured that the protocol will become active on Sepolia testnet in Q1 2026. This one will have liquidity pools, collateral management and automated liquidations.

Mutuum Finance is concerned with safety. The code has already undergone a stringent audit by Halborn which is one of the most admirable firms in the industry. CertiK also has a high score of security. Owing to this good technical base, analysts have come up with their initial price forecast. There is also the opinion that when the V1 protocol becomes live and mainnet follows, MUTM might grow by 10x as the lending volume enters the system.

Long-Term Growth

Mutuum Finance’s design operates around mtTokens. These tokens will then be given to you as a receipt when you supply liquidity. They are unique in that they increase in value as the borrowers repay interests. This implies that you receive a passive income by owning them.

To enhance further the power of the MUTM, Mutuum Finance adopts a buy-and-distribute model. Part of the total protocol fees is employed to purchase MUTM tokens in the open market. They are then reinstated to the users who invest their mtTokens in the safety module. 

The project also has a 24-hour leaderboard to maintain the excitement in the community. The best daily performer gets an additional MUTM of $500 a day. According to these catalysts and the opinion of several market analysts, the second price forecast is that MUTM could realistically hit a price of $0.45 by the end of 2026 as more individuals stake to get rewards.

Phase 7 Is Selling Out Fast

The Mutuum Finance roadmap is much more than the initial launch. The group intends to issue an over-collateralized and native stablecoin. This will provide the users with a trustworthy asset to utilize in the platform. They will also be migrating to Layer-2 networks such as Arbitrum or Optimism. This will render transactions very fast and cost effective to all.

We are in Phase 7 and it is moving at an all time rate. More than 830 million tokens are sold already. The most interesting thing is that there is a drastic rise in the allocation of whales. Big investors are rushing to acquire millions of tokens before the market price goes higher.

The fact that when the whales buy in indicates that they are confident with the long term value of the project. Their presence gives the rich liquidity to have a successful exchange listing. The window to enter at $0.04 is almost closing as the presale is almost half sold and the V1 launch is imminent. 

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

Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance