Analysts predict MUTM to outpace ETH, DOGE, and even XRP runs before Q1 2026

Analysts are now placing Mutuum Finance (MUTM) in the same conversation as Ethereum, Dogecoin, and XRP — not as a peer, but as a future outperformer.

Their forecast projects that by early 2026, this new crypto coin will be leading the pack in percentage gains, supported by an ambitious roadmap, high-impact utility, and a presale structure that is designed to reward early conviction.

The DeFi sector is moving fast, and Mutuum Finance (MUTM) is building to capture the next wave of decentralized lending adoption.

In an environment where top cryptocurrencies are constantly battling for market dominance, MUTM is setting itself apart by creating a non-custodial liquidity protocol that will serve both Peer-to-Peer (P2P) and Peer-to-Contract (P2C) lending models.

This dual-model approach is rare in DeFi and will give the platform a flexible, multi-market reach — appealing to retail traders, long-term investors, and even institutional players looking for a scalable lending infrastructure.

A DeFi model designed for mass appeal

The P2P model on Mutuum Finance (MUTM) will allow users to negotiate loan terms directly with one another. This means traders will be able to use popular memecoins like PEPE, FLOKI, DOGE, SHIB, and TRUMP in structured lending agreements, with rates and terms set between parties.

By accommodating such high-volume community tokens, the platform will position itself as a place where both mainstream and niche traders can find value.

The P2C model, on the other hand, will operate through liquidity pools, enabling seamless lending and borrowing of blue-chip cryptos and stablecoins. Here, interest rates will be tied to pool utilization, automatically adjusting to ensure efficiency and balanced liquidity.

This automated flexibility will make the P2C model ideal for users who prefer instant execution without direct negotiation, catering to the broader audience in the defi crypto.

Phase 6 presale — the last discount before price acceleration

Mutuum Finance (MUTM) is now in Phase 6 of its presale at a price of $0.035. Over $14.43 million has already been raised, with 17% of the tokens in this phase sold to more than 15,300 holders.

Once Phase 7 begins, the price will jump by 15% to $0.040, making this the last opportunity to secure MUTM at its current discounted rate before momentum drives it higher.

With a total supply of 4 billion tokens and a listing price set at $0.06, the math for early investors is compelling.

Consider the investor who entered during Phase 1 at $0.01 — they are already sitting at a 250% paper gain before a single exchange listing.

Even for those entering now in Phase 6, a move from $0.035 to the $0.06 listing price will lock in significant appreciation before the broader market even begins trading MUTM.

This is what makes it one of the top crypto to buy for those seeking strong upside with a clear timeline.

Security and transparency are equally prioritized. The project has undergone a CertiK audit, earning a Token Scan score of 95 and a Skynet score of 78, along with a $50,000 bug bounty program offering severity-based rewards.

A $100,000 giveaway is also running for ten winners, adding another layer of excitement to its growing community.

Utility-driven growth with built-in buy pressure

Mutuum Finance (MUTM) is building for sustainable, utility-driven demand. Its protocol will allow lending and borrowing activity to generate consistent on-chain volume, which will feed into the platform’s buy-and-distribute model.

Part of the revenue from lending and borrowing will be used to repurchase MUTM tokens from the open market and distribute them as rewards to holders staking their mtTokens in designated smart contracts. 

An additional layer of utility will come from its decentralized stablecoin, pegged at $1 and minted only against overcollateralized loans.

This stablecoin will be burned when loans are repaid or liquidated, adding a natural supply-control mechanism.

Governance will adjust borrowing interest rates to maintain the peg, while arbitrage opportunities will keep the price balanced — creating a product that will be essential for on-platform liquidity and user retention.

The roadmap is equally ambitious. Four distinct phases will take the project from presale through to live platform launch, major exchange listings on Binance, KuCoin, and MEXC, and eventual multi-chain expansion.

Upon listing, the beta version will be ready for user onboarding, allowing immediate interaction with its features and speeding up adoption.

The clock is ticking on Phase 6, and with whale watchers already tracking MUTM’s progress, retail investors are being presented with a rare window where price, utility, and market timing align.

For anyone asking what’s the best crypto to buy now or searching for the next top crypto before the market catches on, Mutuum Finance (MUTM) is shaping up to be one of the top cryptocurrencies to watch and act on before the presale sells out.

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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