This Cheap Crypto Under $1 Hits 3x as V1 Protocol Goes Live, Investors Position Early

Dubai, UAE, February 5, 2026

The 2026 crypto market is moving away from complex jargon and toward tools people can actually use. For months, everyone has been waiting for a project that makes decentralized banking feel easy. While older coins are losing steam, a new crypto lending protocol has been quietly checking off every goal on its list. Now that its live technology is out for testing, early investors are seeing the first signs of a major breakout. The secret is finally out, and the chance to get in early is disappearing fast.

The Rise of Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a new crypto protocol designed to change how we think about loans and liquidity. The protocol is a developing mechanism that aims to let people access the value of their digital assets without ever having to sell them. This is crucial for long-term investors who want to keep their holdings but need cash for other expenses. The protocol’s whitepaper is built on two primary pillars that serve different types of users.

The first pillar is the Peer-to-Contract (P2C) market. This model uses shared liquidity pools where anyone can deposit assets to earn a yield. For example, if you deposit $10,000 in USDT, you receive mtTokens that act as your receipt. These tokens grow in value as borrowers pay interest back into the pool. It is an automated, high-efficiency system that provides instant liquidity for borrowers and passive income for lenders.

The second pillar is the Peer-to-Peer (P2P) marketplace. This is designed for more customized deals. In this market, a lender and a borrower can negotiate their own terms, such as specific interest rates or unique collateral types. This flexibility allows Mutuum Finance to support a wider variety of assets that might not fit into a standard pool. 

By combining these two models, the project has managed to raise over $20.2 million and attract a massive community of more than 19,000 holders. This level of support is vital because it shows that thousands of people believe in the long-term vision of a decentralized credit hub.

The project recently reached its biggest milestone yet: the V1 protocol is now live on the Sepolia testnet. This means the code is no longer just an idea. Users are already testing the core features, including the liquidity pools and the automated liquidator bots that keep the system safe.

MUTM Growth Potential

The heart of this ecosystem is the MUTM token, which has a fixed total supply of 4 billion. To ensure the community owns the majority of the network, 1.82 billion tokens (45.5%) were allocated for the presale stages. The demand has been relentless, with over 840 million tokens already sold.

The project is currently in Phase 7, where the price is set at $0.04. This follows a very successful journey that started at just $0.01 in early 2025. This means early participants have already seen their positions appreciate significantly. For those who joined in Phase 1, the official launch price of $0.06 represents a staggering 500% MUTM growth.

Each phase has a limited supply, and the transition to the next crypto phase will increase the price of MUTM by nearly 20%. This is a crucial window for participants because as the supply of the current phase runs out, the entry price resets higher. Securing a position now allows investors to benefit from the price jumps that occur as the project moves closer to its full public debut.

Security and Audits

In the world of DeFi, security is everything. Mutuum Finance has spared no expense to ensure user funds are protected by the best technology available. The protocol has successfully passed a rigorous security audit by Halborn, one of the most respected firms in the blockchain industry. Halborn’s team reviewed every line of the lending and borrowing contracts to ensure there are no logic flaws or vulnerabilities.

In addition to the Halborn audit, the project maintains a high 90/100 score from CertiK, another leader in crypto security. To go even further, the team has launched a $50,000 Bug Bounty program. This encourages professional developers and “white-hat” hackers to test the system and report any issues in exchange for a reward. This multi-layered approach to security is designed to give investors peace of mind as the protocol moves toward its mainnet launch.

Investor Urgency and the 24-Hour Leaderboard

The excitement surrounding Mutuum Finance is reaching a fever pitch as Q2 2026 approaches. To reward its most active supporters, the project runs a 24-hour leaderboard. Every single day, the top contributor is rewarded with a $500 bonus in MUTM tokens. This has created a high-energy environment where the community is constantly engaged.

Accessibility has also been a major factor in the project’s rapid growth. Unlike many early-stage protocols that require complex crypto wallets, Mutuum Finance supports direct card payments. This allows anyone with a standard debit or credit card to join the ecosystem in seconds.

As the V1 testnet continues to show stable results, Mutuum Finance (MUTM) is positioning itself as a top crypto opportunity in the 2026 DeFi cycle. With a working product, a massive holder base, and top-tier security audits, it is clear why investors are moving quickly to secure their stake before the next price increase.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance