In crypto markets, the strongest shifts often begin quietly. A project advances through its roadmap, participation builds steadily, and supply tightens long before headlines catch up. That pattern is becoming clearer now. A new DeFi crypto that has already delivered a 250% increase from its earliest stage is approaching full allocation, and interest from larger participants is rising at the same time. For many tracking what crypto to buy now, this stage is often where early positioning turns into broader visibility.
How Mutuum Finance Is Structuring Lending
Mutuum Finance (MUTM) is developing a decentralized lending and borrowing protocol designed around real on-chain activity rather than short-term market sentiment. The protocol is built with two complementary lending environments that serve different needs while sharing the same risk framework.
In the Peer-to-Contract market, users supply assets into shared liquidity pools and receive mtTokens. These mtTokens increase in redeemable value as borrowers repay interest. For example, when a user supplies ETH, they receive mtETH. As borrowing demand grows and interest flows back into the pool, mtETH becomes redeemable for a larger amount of ETH over time. The APY is generated by usage, not token inflation.
Alongside this is the Peer-to-Peer borrowing environment. Borrowers post collateral and request loans under predefined conditions. Lenders choose which requests to fund. Borrow rates adjust based on utilization, while stable rates can lock at the start of a loan when available. Risk is managed through Loan-to-Value limits that vary by asset volatility. If collateral values fall below set thresholds, liquidations occur through an automated process designed to protect protocol solvency.
Presale Progress and What the Numbers Are Showing
Mutuum Finance entered the market in early 2025 with a structured, phase-based distribution model. The token launched at $0.01 and has progressed through predefined stages to its current price of $0.035, marking a 250% increase since the first phase.
Participation has expanded alongside development. To date, the project has raised $19.30M and attracted more than 18,400 holders. Out of a 4B total supply, 45.5%, or 1.82B tokens, are allocated to the presale. So far, 820M tokens have been sold.
Phase 6 is now over 99% allocated, leaving very limited availability at the current price level. Each completed phase advances the token price by design, not by market speculation. The next phase introduces a nearly 20% price increase, which is why presale demand has accelerated rather than slowed during this late stage.
At the official launch price of $0.06, Phase 1 participants are positioned for roughly 500% growth from the initial price. This transparent pricing path has made timing a central focus for many evaluating the best cryptocurrency to invest in today’s opportunities.
V1 Launch, Security, and the First Price Outlook
Execution timing is one of the most closely watched factors. According to the official X statement, V1 will launch on the Sepolia Testnet in Q4 2025. The initial release includes the Liquidity Pool, mtToken framework, Debt Token, and Liquidator Bot, with ETH and USDT as the first supported