Top crypto this week? Experts see 600% upside in $0.04 DeFi token

Market analysts tracking early-stage decentralized finance projects are pointing toward one name that stands out from the crowd — Mutuum Finance (MUTM).

Many now expect a 600% price upside once its mainnet lending platform launches, comparing its structure to the early days of Aave and Compound.

With clear tokenomics, an active presale, and strong development transparency, Mutuum Finance (MUTM) is fast emerging as the DeFi token experts believe will outperform before the 2026 bull run.

A dual-model DeFi system built for stability and growth

Mutuum Finance (MUTM) is currently in Phase 6 of its presale at a price of $0.035. The project has raised about $17.25 million, with over 17,000 holders participating so far.

Around 65% of the 170 million tokens in this phase are already sold. Once the next phase begins, the token price will rise to $0.04 — marking a 15% increase. This will be one of the last discounted entry points before the presale ends and public exchange listings begin.

Mutuum Finance (MUTM) will redefine how lending and borrowing work in decentralized markets. It will feature two integrated systems — Peer-to-Contract (P2C) and Peer-to-Peer (P2P) — each tailored for different risk profiles and liquidity needs.

In the P2C model, lenders will deposit blue-chip assets such as BTC and DAI into audited smart contracts. These liquidity pools will automatically adjust interest rates based on utilization.

As borrowing demand increases, rates will rise, giving lenders higher returns and maintaining healthy liquidity across the system. Lenders will receive mtTokens, representing both their deposits and accrued interest. These mtTokens will also serve as collateral for future borrowing, adding a new layer of utility to every contribution.

Borrowers will post overcollateralized assets to secure loans, ensuring safety and solvency. The system will maintain balance through real-time monitoring and a Stability Factor that evaluates risk against collateral value.

Liquidation bots will automatically execute trades when collateral values drop below safe levels, ensuring that the protocol remains solvent and resistant to market stress, even during a crypto crash.

The P2P model will serve users who prefer direct negotiations, supporting riskier or niche assets such as DOGE or SHIB.

Lenders and borrowers will agree on rates and durations directly, isolating volatile assets from the main liquidity pools while allowing higher yields for those comfortable with greater risk exposure.

This dual-architecture approach will combine the efficiency of automated liquidity pools with the flexibility of peer-driven lending — giving Mutuum Finance (MUTM) an advantage over traditional DeFi structures.

A structured roadmap and testnet to watch

Mutuum Finance (MUTM) will follow a four-phase roadmap that sets a clear path toward mainnet deployment. The first phase includes presale initiation, audits, marketing campaigns, listings on tracking platforms, and a $100,000 community giveaway.

The second phase focuses on building smart contracts, DApp interfaces, and backend infrastructure.

Phase three will complete external audits, conduct beta testing, finalize exchange listing preparations, and close the presale.

The final phase will deliver the live platform launch, MUTM exchange listings, claim activation, bug bounty rollout, institutional partnerships, and multi-chain expansion.

The team has announced on X that they will also launch the V1 protocol on the Sepolia Testnet in Q4 2025. This deployment will feature the core lending and borrowing — liquidity pools, debt tokens, mtTokens, and liquidation bots — supporting ETH and USDT as initial assets for borrowing and lending.

This testnet will allow users to experience Mutuum’s key modules before the full-scale mainnet release.

The testnet and roadmap demonstrate the platform’s practical progress. It doesn’t merely make promises on paper but actively proves its development phase by phase.

As users test the platform and experience its real utilities, demand is expected to rise—driving the token’s price upward over the long term.

Tokenomics that drive long-term demand

Mutuum Finance (MUTM) will integrate several revenue-generating and value-accruing mechanisms to strengthen its token demand.

Borrow interest will contribute to a Reserve Factor, expanding the treasury and creating a sustainable liquidity buffer. Liquidation penalties will channel protocol income into buybacks and staking incentives, ensuring continuous ecosystem growth.

Secondly, the Enhanced Collateral Efficiency model will let stable, correlated assets access higher borrowing limits — increasing activity and transaction fees, which will translate into stronger MUTM utility.

Its utilization-based interest rate structure will dynamically balance liquidity and profitability, rewarding active participation on both sides of the market.

Finally, security will remain a core priority. Mutuum Finance (MUTM)’s smart contracts have undergone external audits, including CertiK’s manual review and static analysis. A bug bounty program worth $50,000 USDT will further strengthen the ecosystem, rewarding community members who identify vulnerabilities.

These systems will work together to create a self-sustaining on-chain economy, ensuring that both lenders and borrowers gain from continuous liquidity cycles.

Experts believe that Mutuum Finance (MUTM) will be worth a lot more once it starts running on the mainnet. This is because the protocol generates money, lending makes sense, and there is a lot of community participation.

Every week, investors’ faith keeps growing. They’ve raised $17.25 million, more than 17,000 people have bought shares, and 65% of Phase 6 has already been sold for $0.035.

There are signs that crypto prices will go up even more, so traders who focus on DeFi are now looking at well-organized economies that make money. This is exactly what Mutuum Finance (MUTM) is: a clear plan that works and is ready for the next cycle.

Analysts who say the price could go up by 600% aren’t just guessing. They’re looking at the data, the roadmap, and the accumulation trends, and they all show the same thing: this week is the best time to buy Mutuum Finance (MUTM) before the next big market breakout.

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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