Why this $0.035 DeFi token could outperform the market’s top cryptos in 2026

As the crypto market prepares for its next bullish cycle, a new DeFi token is quickly becoming the center of attention among investors looking for strong long-term plays. Mutuum Finance (MUTM), currently priced at just $0.035, has been gaining steady traction as one of the most promising new cryptos in 2025. With its presale nearing full allocation and development milestones approaching, many believe MUTM could outperform even some of the top cryptocurrencies in 2026.

The project’s blend of developing utility, transparent roadmap, and sustainable tokenomics has drawn growing attention across the DeFi space. Analysts suggest that as long as current momentum continues, Mutuum Finance could follow a similar growth path to early DeFi pioneers like Aave, but starting from a much lower base.

Mutuum Finance’s presale momentum

Since launching its presale in early 2025, Mutuum Finance has evolved from a small DeFi startup into one of the year’s most active and closely watched projects. The token began at $0.01 in its first phase and has since climbed to $0.035 in Phase 6, marking a 250% increase for early supporters.

So far, the project has raised $18.55 million, attracted over 17,850 holders, and sold approximately 795 million tokens. Phase 6 is now more than 85% allocated, signaling strong and consistent demand from both retail and larger investors. Out of the total 4 billion MUTM supply, about 1.82 billion tokens (45.5%) are allocated for the presale, a structure that prioritizes community participation and early access to the ecosystem.

Each presale stage uses a fixed-price and fixed-allocation model, where high demand accelerates sellouts and pushes the price to the next tier. With the launch price set at $0.06, the current presale still offers an entry point well below its upcoming listing valuation.

Adding to this momentum is Mutuum Finance’s 24-hour leaderboard system, where the top daily contributor receives $500 worth of MUTM tokens. This gamified approach has kept engagement strong, further driving visibility and participation across social platforms.

What Mutuum Finance is building

At its core, Mutuum Finance (MUTM) aims to create a decentralized environment for lending and borrowing crypto assets securely and efficiently. It replaces traditional intermediaries with smart contracts, allowing users to lend assets to earn yield or borrow against their holdings while maintaining full ownership of their collateral.

A major feature of the platform is the introduction of mtTokens, which users receive when they deposit assets into Mutuum Finance’s liquidity pools. These tokens automatically accrue yield over time, reflecting the holder’s share of interest from the pool. Borrowers receive debt tokens that track their obligations, ensuring transparency across all transactions.

Security and transparency remain a core priority for the team. Mutuum Finance has undergone a CertiK audit, scoring 90/100 on its Token Scan, and also launched a $50,000 bug bounty program to ensure any potential vulnerabilities are caught before the mainnet goes live. These safeguards place it among the more rigorously reviewed projects in the DeFi sector, offering additional reassurance to investors entering during the presale.

Stablecoin and oracles plan

Beyond lending and borrowing, Mutuum Finance is building a broader ecosystem designed for scalability and real-world integration. One of its long-term plans is the creation of an on-demand minted stablecoin pegged to the U.S. dollar. 

The project also intends to integrate decentralized oracle systems such as Chainlink to ensure accurate, real-time price data for collateralized assets. Reliable oracles are essential for DeFi platforms, as they determine liquidation thresholds and safeguard against manipulation.

These upcoming features have led many analysts to label MUTM as one of the potential best cryptocurrencies to invest in for long-term value growth. According to projections shared by multiple DeFi market commentators, as long as Mutuum Finance successfully deploys its stablecoin and Oracle integrations while scaling its active lending markets, the token could climb toward $0.20–$0.25 in 2026, roughly a 6–7x increase from today’s price.

Phase 6 acceleration and whale interest

According to an official announcement shared on X, Mutuum Finance is preparing for the release of its V1 protocol on the Sepolia Testnet in Q4 2025. This major milestone will transition the project from development to live testing, featuring key components such as liquidity pools, mtTokens, debt tokens, and an automated Liquidator Bot to maintain market stability.

The announcement sparked renewed excitement among the community and investors. As the testnet launch draws closer, Phase 6 has accelerated toward full allocation. The project’s smart contracts, bug bounty, and security transparency have made it a top pick for investors seeking utility-driven exposure in the DeFi crypto sector.

Recent blockchain data also indicates growing whale activity. Several large holders have accumulated significant allocations in recent weeks, mirroring trends seen before major presale stage closures in other successful DeFi projects. These whale entries often act as an early signal of institutional or strategic confidence, suggesting that larger investors may be positioning themselves ahead of potential mainnet catalysts.

For early participants, this phase represents a defining moment, not only due to the discount against the upcoming $0.06 listing price but also because the presale’s fixed-allocation model limits how much supply remains available. Once sold out, later investors will need to acquire tokens directly from the market, where open demand typically drives higher valuations.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Disclaimer: This is a paid post and should not be treated as news/advice.