Mutuum Finance (MUTM) is entering one of its most crucial moments yet. As Phase 6 approaches full allocation and demand continues to rise across the DeFi space, the project is becoming one of the most anticipated top cryptocurrencies heading into 2026.
Mutuum Finance (MUTM) is entering one of its most crucial moments yet. As Phase 6 approaches full allocation and demand continues to rise across the DeFi space, the project is becoming one of the most anticipated top cryptocurrencies heading into 2026. With price growth already recorded at an early stage and multiple development milestones near completion, analysts are now reviewing how far MUTM could climb in the next crypto cycle. The momentum surrounding this project suggests that its strongest phase of growth may still be ahead.
Mutuum Finance (MUTM)
Mutuum Finance launched its offering in early 2025 at $0.01. As interest increased throughout the year, the price rose to $0.035, marking a 250% jump before the protocol’s first release. The project has already raised $19M and built a community of more than 18,200 holders, reflecting strong belief in its long-term potential.
Mutuum Finance is building a decentralized lending and borrowing platform designed to give users more control, safer borrowing options and strong yield mechanics. The protocol supports structured lending with collateral rules, interest modeling, liquidation protection and on-chain pricing systems. These features place Mutuum Finance ahead of many new cryptocurrency offerings that rely only on hype or simple staking models.
With 1.82B tokens allocated to the offering out of the 4B total supply and over 800M tokens sold, Mutuum Finance has already established a strong early presence. And now, Phase 6 is nearing full allocation, drawing more investor attention each day.
V1 Launch Progress
Mutuum Finance is close to launching its first working version. According to the official X account, V1 will go live on the Sepolia Testnet in Q4 2025. This release includes the liquidity pool, mtTokens, the liquidation bot and the debt-token system. ETH and USDT will be supported from day one of the testnet launch.
Security has been a major priority for the team. Mutuum Finance completed a CertiK audit and achieved a strong 90/100 Token Scan score, placing it above most early-stage DeFi projects. The lending and borrowing contracts are also being reviewed by Halborn Security, who are performing an in-depth analysis of the finalized code.
Because of these factors, some analysts believe that MUTM could see strong price movement shortly after reaching its $0.06 launch price. In a bullish early-stage scenario, projections show the token moving toward the $0.25 to $0.35 range, representing a solid early multiple for users entering at the pre-launch stage.
Community Activity and Second Price Prediction
One of Mutuum Finance’s strongest features is the mtToken system. When users supply assets into the protocol, they receive mtTokens that grow in value as borrowers repay interest. This creates APY tied directly to real borrowing activity, not inflated token rewards. It also encourages long-term participation from liquidity providers.
The buy-and-distribute mechanism adds another layer of support. A portion of protocol revenue buys MUTM directly on the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This design helps create constant buy pressure and stabilizes token demand over time.
Mutuum Finance also runs a 24-hour leaderboard with a daily reward of $500 in MUTM for the top contributor. This community incentive keeps engagement high and attracts new buyers regularly.
Because of these mechanics and user-growth potential, analysts project a second-stage price range of $0.35 to $0.50 based on demand, borrowing volume and platform adoption across 2026. This would represent a strong increase from the $0.06 launch level and an even greater rise from the current $0.035 offering price.
Third Price Prediction
Mutuum Finance is also preparing to release an on-demand minted and burned stablecoin pegged to USD. This stablecoin will generate interest for the Mutuum Treasury, creating a long-term and sustainable revenue source. Stablecoins are essential for lending protocols because they provide predictable value and deeper liquidity for borrowers.
The project also plans to expand onto layer-2 networks. L2 deployment will reduce fees and increase speed, making borrowing and lending more accessible to users. Layer-2 expansion can significantly boost activity and attract outside liquidity, strengthening Mutuum Finance’s position as a DeFi crypto leader.
Oracle accuracy is another major priority. Mutuum Finance plans to use Chainlink oracles, fallback oracles and on-chain price averages to ensure fair liquidations and safe borrowing conditions. Accurate pricing protects both lenders and borrowers from unexpected swings and supports long-term protocol stability.
With the combination of a stablecoin, L2 scaling and strong oracle systems, some analysts believe MUTM could reach the $0.50 to $0.60 range during the next major crypto cycle. Based on the current $0.035 offering price, this would represent over 800% upside if Mutuum Finance continues gaining traction at its current pace.
Phase 6 Completion, Whale Activity and Rising Urgency
Phase 6 of the Mutuum Finance offering is now approaching full allocation at a rapid pace. Over 98% of the tokens have already been purchased, and only a very small amount remains available at $0.035. The remaining tokens are moving faster than expected, with daily inflows increasing as awareness grows.
Recent whale allocations, including large buys over $100K, have accelerated the sellout even further. When large investors enter this late in an offering phase, it often signals strong confidence in the project’s next development steps and upcoming price levels.
For smaller investors watching the progress, urgency is rising quickly. Once Phase 6 closes, MUTM moves closer to the $0.06 launch price, and the opportunity to secure tokens at $0.035 disappears entirely.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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