This New Crypto Under $1 Is Up 300% Since Q1 2025, Here’s Why

DUBAI, United Arab Emirates, January 31, 2026

The crypto market is changing. Investors are moving away from hype altcoins and toward projects with real use. In DeFi, momentum has been building quietly for months. Many people who missed early gains in older coins are now watching closely for the next big crypto opportunity. Funding activity and progress behind the scenes already point to a major shift. In 2026, waiting on the sidelines is no longer the strategy. A new protocol is stepping forward, and its early performance suggests it could be one of the biggest launches of the year.

The Rapid Growth of the MUTM 

Mutuum Finance has quickly moved into focus during the current crypto cycle. The project launched its presale in early 2025 at a starting price of $0.01 and has followed a clearly defined, multi-phase rollout. As of Phase 7, MUTM is priced at $0.04, marking a 300% increase for early buyers.

The scale of participation has grown alongside the price. More than $20.1 million has already been raised, backed by close to 20,000 token holders. Out of a fixed supply of 4 billion tokens, 45.5%—or roughly 1.82 billion—was allocated to the presale, and a large portion of that supply is now taken. With the confirmed public launch price set at $0.06, many investors are positioning ahead of exchange listings while discounted access remains available.

A New Protocol Built for Long-Term

Mutuum Finance (MUTM) is structured as a decentralized lending ecosystem rather than a single-purpose token. The platform’s design will allow users to earn yield by supplying assets or unlock liquidity by borrowing against collateral according to the official roadmap. The protocol is fully non-custodial, meaning users will retain control of their funds at all times.

Liquidity providers will receive mtTokens when they deposit assets such as ETH or USDT. These tokens automatically increase in value as interest accrues, removing the need for manual reward claims. 

The protocol also will use a revenue redistribution mechanism, where a portion of fees is used to buy MUTM from the market and distribute it to active participants. From a security standpoint, the system has undergone a full audit by Halborn Security and received a strong 90/100 score from CertiK.

Stablecoin Plans and Long-Term Outlook

Beyond lending, the roadmap includes the release of a native, over-collateralized stablecoin backed by protocol deposits. This would allow users to borrow a stable asset without relying on centralized issuers. Price accuracy across the platform is supported by Chainlink oracles, helping protect the system from manipulation.

These fundamentals have led analysts to project strong upside once mainnet deployment and exchange listings are completed. Some forecasts place MUTM in the $0.25–$0.45 range by late 2026-2027, with longer-term projections extending toward $1.00 as adoption grows. The combination of working infrastructure, fixed supply, and growing demand is often cited as the basis for these estimates.

V1 Testnet Launch Draws Large Buyers

Momentum accelerated further with the release of the V1 protocol on the Sepolia testnet. Users can already interact with live liquidity pools, observe mtToken growth, and test automated liquidation systems. This milestone signals a shift from concept to execution.

On-chain data also indicates increased activity from large holders, commonly referred to as whales. These participants typically enter projects after audits are complete and functional products are live. 

Their involvement adds liquidity depth ahead of launch. With features like daily leaderboard incentives and simplified card purchases, access has widened, but with the $0.06 launch price approaching, the remaining entry window is narrowing quickly.

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

Website:https://www.mutuum.com

Linktree:https://linktr.ee/mutuumfinance