Meme tokens have always relied on hype, community buzz, and burn mechanics to hold attention. Traders following crypto charts know that these tokens often ride waves of momentum but lack underlying revenue to sustain buy pressure. In contrast, projects with utility-driven ecosystems are beginning to dominate crypto predictions for extreme upside.
Instead of promising value from supply burns, these models generate organic demand by routing actual revenue back to users. That is why traders looking at what is going on with crypto today are pointing to Mutuum Finance (MUTM) as the best cheap crypto under $0.05 with the kind of upside that can eclipse meme tokens like SHIB by orders of magnitude.
Core Utility That Multiplies Demand
The foundation of Mutuum Finance (MUTM) is its pool-to-contract (P2C) model, where lenders will deposit assets into pooled contracts and borrowers will access them at predefined parameters. Each transaction will generate protocol revenue, and that revenue will be recycled into the ecosystem through buybacks of MUTM. Users of mtTokens, which act as deposit receipts, will be able to stake in designated smart contracts. Those stakers will then receive MUTM rewards directly from protocol-funded buybacks, creating a continuous cycle of demand and supply compression.
Beyond pooled lending, Mutuum Finance (MUTM) will also introduce a peer-to-peer (P2P) system that gives lenders and borrowers the flexibility to directly negotiate APR, duration, and even partial fills. These P2P orders will operate independently of pooled liquidity, ensuring that the stability of the P2C engine remains untouched. Settlement and collateral will be enforced by smart contracts, keeping the system transparent and secure.
For retail investors entering at presale, the numbers show why analysts are so confident in this structure. A trader who allocates $500 into Phase 6 at the current presale price of $0.035 will acquire 14,300 MUTM tokens. At the projected 120x upside, the token price will climb to $4.20.
That will place the value of the position at 60,000, locking in a profit of 59,500. This is not a theoretical guess — the pathway is structured: Layer-2 throughput will make lending faster and cheaper, beta release at listing will allow users to engage in live pools immediately, and every cycle of lending will push more revenue into buybacks distributed to mtToken stakers. The result is a model that compounds demand and supports long-term upside far beyond meme tokens.
Mutuum Finance (MUTM) is already attracting strong traction during presale. The project has a total supply of 4 billion tokens and in Phase 6 has generated around $15.14 million so far. The current price is $0.035 with over 15,850 holders onboard. Of the 170 million tokens allocated for this phase, 30% are already sold out. Security and transparency have also been reinforced, as the project underwent a CertiK audit with manual review and static analysis, earning a Token Scan Score of 95.00 and a Skynet Score of 78.00.
Mutuum Finance (MUTM) has already gathered over 12,000 followers on Twitter, with the audit timeline initially requested on February 25, 2025, and revised on May 20, 2025, highlighting the commitment to maintaining oversight during the presale stage.
Exchange Listings, Beta Visibility And The 120x Thesis
Looking ahead, the catalysts that traders are watching closely are expected exchange listings and product visibility. Mutuum Finance (MUTM) is preparing to debut with a beta release when the token goes live, ensuring that live user activity will be available from day one.
With Layer-2 integration already factored into the design, the platform will support higher throughput at lower cost, encouraging more borrowing and lending volume. That usage will generate the revenue required for buybacks, which in turn will be redistributed to mtToken stakers. Each cycle reduces available supply on the open market, creating consistent buy pressure that compounds over time.
When Tier-1 exchanges such as Binance, Coinbase, KuCoin, MEXC, and Kraken expectedly list the token, liquidity will expand and broader retail participation will follow. As more traders look at crypto charts and compare meme projects with functional ecosystems, the 120x thesis behind Mutuum Finance (MUTM) will become hard to ignore. With circulating supply tightening and buyback-driven redistribution rewarding users, price discovery will push higher as exchange demand meets shrinking availability.
Time is critical. Phase 6 is already 30% sold, and the shift to Phase 7 will raise the price by 15%. For those tracking what is going on with crypto today, this is the last opportunity to secure discounted entry before the market begins to price in the full value of Mutuum Finance (MUTM). With utility, audited infrastructure, and presale momentum, analysts believe MUTM is the best crypto investment under $0.05 and one of the only projects capable of delivering the kind of upside that leaves meme tokens far behind.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
The post Best Cheap Crypto to Buy Now Under $0.05: Traders Say This One Has at Least 12,000% More Upside Than SHIB, Here’s Why appeared first on Blockonomi.
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