What crypto to buy before year end? Insiders recommend a $0.035 DeFi coin

The crypto market is showing signs of life again. Bitcoin and Ethereum have both found stability after months of swings. But the real action this year is not coming from big names. It’s coming from new cryptocurrency projects that are still in presale.

One new crypto coin drawing strong attention from analysts and early investors is Mutuum Finance (MUTM). For investors still deciding what crypto to buy now before year end, MUTM’s sub-$0.05 pricing and clear roadmap stand out.

MUTM stands out because it is still priced at just $0.035, yet insiders expect it to reach around $0.06 to $0.07 before the first quarter of 2026. That would nearly double from the current level. The project has already attracted more than 17,300 holders and raised about $17.42 million.

Phase 6 of the presale is now 68% complete, and the next stage will move the price to $0.04 — a 15% increase. Many investors believe Phase 6 may close within days, making this one of the last chances to enter before listing.

A new DeFi platform with real utility

Mutuum Finance (MUTM) is building a full DeFi lending and borrowing system. It will first launch on the upcoming Sepolia Testnet in the last quarter of 2025.

The platform will feature smart contracts that manage loans, liquidity pools, and interest rate changes automatically. Users will be able to deposit assets like ETH or USDT and borrow against them.

Lenders will supply funds to pools using stablecoins or well-known tokens such as SOL, BTC, and ETH. These lenders will receive mtTokens in return, which represent their share of the pool and include their earned interest.

For example, someone lending $10,000 in USDT may see their balance grow with dynamic rates as pool usage rises.

Borrowers, on the other hand, will post their crypto as collateral. Each loan will be overcollateralized, meaning the borrower always keeps more value in reserve than they borrow. This design keeps the system safe and fair. Borrowers will repay loans with interest, while lenders enjoy steady earnings.

Mutuum Finance (MUTM) will also support a Peer-to-Peer (P2P) model. Here, users can lend or borrow riskier tokens such as SHIB or PEPE. These deals come with custom terms and higher returns.

The addition of lending and borrowing capabilities enhances the platform’s practical appeal and is set to attract a larger community of users. In the near term, users will gain access to options for lending, borrowing, and staking their assets within designated pools to earn rewards.

Since these activities rely on MUTM, the growing on-chain demand is anticipated to play a pivotal role in driving the token’s long-term value upward.

The project’s dashboard and leaderboard are already live, helping users track positions and get rewards in real time for their investment. A new update has been implemented for the 24-hour leaderboard.

Every day, the user who reaches the top rank will earn a $500 MUTM reward, provided they complete at least one transaction within that 24-hour timeframe. The leaderboard automatically resets each day at 00:00 UTC.

Why insiders expect a strong year-end move

Mutuum Finance (MUTM) is different from many presales because its platform and token will launch together. That means real use from day one. When the beta version goes live, it will already include lending, borrowing, and staking.

Every transaction on the platform will create natural demand for the MUTM token — a key reason some analysts place it among the best cryptocurrency to invest in lists and even flag it as one of the best crypto to buy now into 2026.

This testnet phase allows users to try out the core features before the official launch. It helps them understand how the system works while building trust in the project.

As more users engage and share positive feedback, the platform is expected to attract stronger investor attention, potentially driving higher demand and boosting the token’s value.

A key part of its growth plan is the future buy-and-distribute system. Revenue from lending and borrowing will be used to buy MUTM tokens from the open market. These bought tokens will then be shared with users who stake mtTokens. This continuous buyback cycle increases the reward flow to stakers and keeps interest high in the ecosystem.

Mutuum Finance (MUTM) will also expand into a decentralized stablecoin system in later stages. Users will be able to mint a $1-pegged coin by locking assets like ETH or SOL. When they repay or close positions, that coin will be burned. Each minting and burning event will boost the utility and demand for MUTM across the network.

Investment case and community giveaways

To see how early investors have already benefited, take this example. Someone who invested $5,000 in Phase 1 when MUTM was $0.01 received 500,000 tokens. At the current Phase 6 price of $0.035, that position is now valued at $17,500 — a 250% value gain even before the listing.

With analysts projecting a rise to $0.07 by early 2026, that same investment grows to $35,000, marking a 600% total return. Even new buyers entering now at $0.035 can expect a strong upside. Once the price moves to $0.07, their position doubles. This growth is supported by the project’s real utility and its upcoming testnet release.

The excitement around Mutuum Finance (MUTM) is also powered by community rewards. A $100,000 giveaway is running, with ten winners each receiving $10,000 worth of MUTM tokens.

Alongside that, a $50,000 bug bounty encourages developers to review and improve system security before launch. These programs show that the team values both safety and engagement.

Final words

Investors who keep an eye on crypto charts can see that DeFi tokens are gaining traction again. Traders looking for top cryptocurrencies under $1 as year-end approaches are gravitating toward projects with working products and near-term catalysts.

After Phase 6, the price steps up 15% in the next stage — and Phase 6 is selling quickly. Many see this as one of the last opportunities before an exchange listing. For anyone investing in crypto this year, the numbers are straightforward: Mutuum Finance (MUTM) blends clear growth goals, real utility, and community power — a credible next big crypto contender to hold into 2026.

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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