Crypto Whales Target This $0.04 Altcoin as the Next 15x Breakout, Experts Say

Markets don’t wait for utility to arrive. They move when they believe utility is close. That’s why tokens can reprice before users show up, not after the product is already live and obvious.

Some analysts believe Mutuum Finance (MUTM) is entering that anticipation phase. It’s still a $0.04 Presale Altcoin, but the story isn’t memes. It’s timing: a DeFi crypto nearing V1, plus token mechanics that can turn platform activity into demand. For anyone tracking crypto prices and asking what crypto to buy now, this is the kind of setup that can matter early. It’s also why some best crypto to buy now conversations start to circle names that are still pre-launch.

What Mutuum Finance (MUTM) Is Preparing 

Mutuum Finance (MUTM) is developing a non-custodial lending and borrowing protocol where lenders supply assets into shared liquidity pools and borrowers access loans by posting collateral. Interest rates are designed to adjust with pool utilization, while automated liquidation mechanics are intended to manage risk and keep markets functional during volatility. 

The initial V1 Protocol release is expected to include the protocol’s core components, Liquidity Pool, mtToken, Debt Token, and Liquidator Bot, forming the base layer for deposits, borrowing, and position management.

The team has also communicated that V1 is headed to the Sepolia testnet in Q4 2025, followed by finalization for mainnet, with launch timing described as coming shortly. The first supported assets are planned to be ETH and USDT for lending, borrowing, and collateral, keeping early markets concentrated around high-liquidity assets. That approach typically supports smoother borrowing and withdrawals because deeper liquidity reduces the friction that shows up when pools are thin.

Supply Alignment 

Mutuum Finance’s Presale uses stages with a fixed price and fixed token allocation. Higher demand means the stage sells out faster, and the next stage opens at a higher price. That structure can amplify moves when utility expectations rise.

Mutuum Finance reports $19.6M raised, 18,750 holders, and about 825M tokens sold, with Phase 7 active. The Presale began in early 2025, and the token price has moved from $0.01 in Phase 1 to $0.04 in Phase 7, a 300% rise across stages.

The stated official launch price is $0.06. Buying at $0.04 and reaching $0.06 would be about a 50% increase. Phase 1 participants at $0.01 are positioned for about 500% appreciation to the $0.06 launch price.

Price Scenario

Mutuum Finance ties token demand to platform revenue. In the project’s stated model, revenue from lending can fund token buybacks and dividends to token stakers. More borrowing and lending activity, or higher fees, can increase that revenue.

That matters because it describes revenue-driven demand, not attention-driven demand. In a bullish scenario, projections show that if lending activity expands, fee-funded buying can rise too, creating ongoing buy pressure.

Buying 10,000 MUTM at $0.04 costs $400. In a bullish scenario, projections show MUTM could trade at a 3x to 5x multiple versus the $0.04 level after launch if V1 ships smoothly and usage ramps. At 3x (about $0.12), that holding would be about $1,200. At 5x (about $0.20), it would be about $2,000. It is a scenario-based example using simple math..

A Pre-Utility Window

Execution signals matter before markets fully price utility. HalbornSecurity has completed an independent audit of Mutuum Finance’s V1 lending and borrowing protocol. Mutuum Finance also cites a CertiK token scan score of 90/100. There is a $50k bug bounty for code vulnerabilities, and a 24-hour leaderboard that rewards the top daily contributor with $500 in MUTM.

So why are people even whispering “next crypto to hit $1”? The only serious path to a $1 scenario is sustained demand after launch. For Mutuum Finance, that demand case is built around utility going live and a revenue-linked buy mechanism. If broader sentiment flips risk-on—often reflected in the crypto fear and greed index—loan demand can rise in stronger markets, which can support lending activity.

The takeaway is simple. Tokens often reprice before utility goes live, not after. Mutuum Finance (MUTM) is being watched because it sits near that expectation-to-execution handoff, while Presale supply continues to tighten.

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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