The Next Cheap Crypto to Test $1, Analysts Predict

Dubai, UAE, February 5, 2026

Investors have been looking for a project that can turn complex blockchain technology into practical financial tools. While many older altcoins have slowed down, a new crypto protocol has been quietly reaching important development goals. As momentum builds and analysts search for the next breakout, this project is starting to stand out. With working technology now in focus, some believe it could be among the next low-cost cryptos to test the $1 mark.

Mutuum Finance (MUTM) Breaking Records in 2026

The funding journey for Mutuum Finance (MUTM) has become one of the most successful stories of the current cycle. Since its debut in early 2025, the project has maintained a structured and transparent growth path. It has officially raised over $20.4 million from a global community of more than 19,000 holders. This high level of backing is a rare signal of trust for a project in its early stages.

Currently, the project is moving through Phase 7 of its distribution. In this stage, the token price is $0.04. This represents a massive 300% increase from its initial starting price of $0.01. The team has already confirmed that the official launch price will be $0.06, ensuring that current participants are entering with an immediate 50% advantage. 

The economic model is built on a fixed total supply of 4 billion MUTM tokens. From this, 45.5% (1.82 billion tokens) were specifically reserved for the community stages. With over 840 million tokens already claimed, the available inventory is shrinking as the project nears its public debut.

Redefining Decentralized Finance

Mutuum Finance is a crypto lending protocol in development that focuses on decentralized borrowing and lending through two distinct markets: peer-to-contract (P2C) and peer-to-peer (P2P). Together, these markets are designed to offer users different ways to earn yield or access liquidity, depending on their risk preference and strategy.

In the P2C market, users supply assets such as ETH or USDT into shared liquidity pools managed by smart contracts. Borrowers draw from these pools by providing collateral, and interest rates adjust based on supply and demand. Lenders receive mtTokens, which represent their deposit and accrue value over time as interest is paid back into the pool. This market prioritizes consistency and automation.

The P2P market allows lenders and borrowers to be matched directly. Instead of relying on pool-based rates, users can agree on specific terms, such as fixed interest rates and durations. This structure is intended to provide greater flexibility and potentially higher returns, though it may involve more variability than pooled lending.

APY example: if a user supplies 1,000 USDT into the P2C market at an estimated 6% annual percentage yield, their mtTokens would gradually increase in value as borrowers repay interest. After one year, the position would be worth approximately 1,060 USDT, assuming rates remain stable. In the P2P market, a lender might instead agree to a fixed 8% rate with a borrower for a set term, earning a predefined return if the loan is repaid as agreed.

Stablecoins and Oracles

Looking ahead, the Mutuum Finance’s official roadmap includes critical upgrades that will scale the platform for millions of users. One of the most anticipated features is the launch of a native over-collateralized stablecoin. This will provide a safe unit of account for borrowers, allowing them to take loans without worrying about the volatility of the asset they are paying back.

To ensure the system remains solvent, the protocol will integrate advanced Oracle systems, including Chainlink price feeds. These oracles provide real-time, accurate data to manage liquidations and collateral health. Reliable data is the backbone of any lending system, and this integration removes the risk of price manipulation.

Because of these strong features, analysts are highly bullish on the project’s future. Many market experts predict that once the protocol hits the open market, it could see an 10x-12x increase. 

This would put the token on a clear path toward the $1.00 mark. Analysts point to the project’s utility-based valuation as the primary reason for this optimism. Unlike meme coins, MUTM’s value is tied directly to the fees and borrowing volume of its lending platform.

The Protocol Launch Milestone and Whale Activity

A major driver behind the recent increase in attention is the launch of the V1 protocol on the Sepolia testnet. This milestone marks the transition from concept to a functioning system that users can actively explore. In this test environment, participants can interact with the protocol’s core mechanics in a risk-free setting, without using real funds.

The testnet allows users to supply assets such as WBTC, USDT, ETH, and LINK into dedicated liquidity pools, mint mtTokens that represent supplied positions, and observe how interest accrues within the system. Borrowing functionality can also be tested through the issuance of debt tokens, which track outstanding loans and accrued interest over time.

By making these features publicly accessible on Sepolia, the protocol enables users and developers to evaluate how liquidity pools, mtTokens, and debt positions behave under real usage conditions. This hands-on access has helped build confidence by allowing the technology to be tested, reviewed, and refined before deployment on a production network.

This technical success has caught the attention of “whales”—large-scale investors who move millions of dollars. Recently, single transactions as high as $175,000 have been recorded in the presale. 

Whale allocations are a crucial signal because these investors typically perform deep due diligence before committing such large amounts. Their entry in Phase 7 shows they believe the current $0.04 price is a major discount compared to the token’s future potential.

As Q1 2026 progresses, the window to join Phase 7 is closing. The tokens are selling out faster than any previous stage as investors rush to secure their positions before the next crypto price jump. With a working product, a massive holder base, and institutional-grade security, Mutuum Finance is positioning itself as the leading cheap crypto protocol of the year.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance