Could This $0.04 Crypto Be the Next to Hit $1? Analysts Are Watching Closely

Dubai, UAE, February 7, 2026

As the crypto market continues to move through a volatile phase, investors are increasingly scanning the market for early-stage opportunities with outsized upside potential. Low-priced tokens with real development progress often attract the most attention during these periods. One project now drawing growing interest from analysts is Mutuum Finance (MUTM)—a new DeFi token currently priced at $0.04 that some believe could eventually work its way toward the $1 mark over the long term.

What Is Mutuum Finance?

Mutuum Finance is a decentralized finance (DeFi) lending and borrowing platform designed to give users flexible ways to earn yield or access liquidity without selling their crypto. The protocol is built around two complementary models.

The peer-to-contract (P2C) model allows users to supply assets into liquidity pools, earning variable interest generated by borrowers. This approach is aimed at more established assets and provides predictable yield dynamics. The peer-to-peer (P2P) model, on the other hand, enables direct lending and borrowing between users, offering greater flexibility and opening the door to higher-risk, higher-reward opportunities—such as lending against more volatile tokens.

Presale Performance

Mutuum Finance is still in its presale phase, which is one reason analysts see it as an early opportunity. The MUTM token is currently priced at $0.04 in Phase 7, compared to a confirmed launch price of $0.06. Since Phase 1, where the token started at $0.01, MUTM has already increased by 300%. By launch, the full presale progression represents a 500% increase from the initial price.

The presale has raised over $20.43 million and attracted more than 18,950 holders, signaling strong early demand. Analysts who follow early-stage DeFi projects argue that this combination of capital inflow, holder growth, and structured price progression supports higher long-term valuation scenarios. As a result, some have begun to suggest that MUTM could eventually reach $1 if development and adoption continue as planned.

V1 Protocol Is Live and Development Is Ongoing

A major factor behind the bullish outlook is the fact that Mutuum Finance already has a working V1 protocol live on the Sepolia testnet. Users can currently access the app, explore supported markets, supply and borrow test assets, mint deposit tokens, and interact with the platform’s core mechanics in a simulated environment.

A live protocol reduces execution risk and demonstrates that the team is capable of delivering complex infrastructure. With ongoing updates planned and feedback actively incorporated, the current focus is on refining the protocol ahead of mainnet.

Because MUTM has real utility tied to an operational platform, analysts believe it has a stronger case for potential listings on major exchanges after launch. Historically, projects that launch with working products and audited contracts often see increased visibility and liquidity once listed—factors that can drive early post-launch price momentum. Some experts estimate a short-term target around $0.35–$0.40, with $1 viewed as a longer-term objective if adoption accelerates.

At the current price of $0.04, a $1,500 investment would secure 37,500 MUTM tokens. When MUTM were to reach $0.35, that position would be valued at $13,125, while a longer-term move to $1 would place the same holding at $37,500. The example highlights why early-stage, low-priced tokens with active development often attract strong investor interest during the early phases of growth.

Why Analysts Believe $1 Is Possible Long Term

One of the strongest long-term drivers behind the $1 thesis is Mutuum Finance’s planned buy-and-distribute mechanism. Under this model, a portion of protocol-generated revenue is used to buy MUTM tokens from the open market and distribute them to eligible participants. This creates consistent buy pressure while rewarding long-term contributors, reinforcing token demand as platform usage grows.

Beyond that, the roadmap includes additional utility expansions designed to strengthen the ecosystem. These include a native overcollateralized stablecoin, multichain expansion to reach users across different networks, and Layer 2 integration aimed at reducing fees and improving scalability. Each of these developments adds depth to the platform and increases potential demand for the MUTM token over time.

Market downturns often create the best conditions to identify early-stage opportunities before broader adoption begins. With MUTM still priced at $0.04, below its $0.06 launch price, and backed by a live protocol, strong presale traction, and an expanding roadmap, analysts believe Mutuum Finance deserves close attention.

For investors searching for the next crypto that could eventually reach $1, Mutuum Finance remains in an early phase—offering a limited window to enter at a discounted price before the token moves into open market trading.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance