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The DeFi market rarely unites around one name — yet Mutuum Finance (MUTM) is becoming that exception.

Across online trading groups and social channels, retail traders are rushing toward this $0.035 token that analysts project to rise 40x by 2026.

While some investors still wonder why is crypto down this month, others are quietly moving into early-stage projects showing real progress and upcoming releases. Mutuum Finance (MUTM) stands out in that search for reliability, pairing strong fundamentals with growing demand.

The Mutuum Finance (MUTM) presale has already drawn global attention, generating over $17.25 million in contributions from more than 16,950 holders.

Phase 6 of the sale is now live, with 65% of tokens already sold. At $0.035 per token, this phase gives investors a final entry point before the price moves 15% higher to $0.040. The rush reflects more than hype — it’s about recognizing a project that’s built on tested mechanics, not market noise.

But it is still the question why traders are rushing towards this project. Here we have listed a few of the many reasons why retailers have been doing so.

Mutuum Finance plans to launch its platform and list its token at the same time. This synchronized rollout will create strong early momentum, giving both traders and lenders a working product to engage with on day one.

Unlike many presales that release a token long before any real activity, Mutuum will introduce live lending and borrowing modules right at launch.

This coordinated debut can draw attention from Tier-1 and Tier-2 exchanges, as working products often meet listing requirements faster.

Once listed, the visibility and trading volume can rise sharply, creating sustained buying activity. Investors will be able to explore the platform, explore dual lending, and stake mtTokens for rewards immediately — giving the token a natural use case from the start.

Mutuum Finance (MUTM) stands apart from hype-driven meme coins because its value is built on platform activity.

Each feature of the protocol — from lending and borrowing to staking and buybacks — links directly to the use of MUTM. As more users interact with these features, token circulation and on-chain volume increase naturally.

The roadmap includes an over-collateralized stablecoin system that will allow users to mint a decentralized $1-pegged asset by locking approved collateral such as ETH, SOL, or AVAX.

Every time the stablecoin is minted or repaid, it generates transactional demand within the ecosystem. This design not only builds stability into the platform but also increases the number of real use cases tied to MUTM.

As the protocol expands, these new features will enhance the token’s role across every level of participation — lending, borrowing and staking.

This steady expansion of utility will make MUTM a core asset within its ecosystem, supporting continuous organic demand long after listing.

Mutuum Finance’s buy-and-distribute model is designed to reward holders while supporting long-term price growth. The protocol will use part of its revenue — generated from borrowing fees and platform activity — to buy back MUTM tokens from the open market.

These repurchased tokens will then be distributed as rewards to users who stake their mtTokens in designated contracts.

This cycle creates dual benefits. Stakers receive regular MUTM rewards, encouraging long-term participation, while consistent buybacks introduce positive price pressure in the open market.

The more the platform is used, the more revenue is generated — and the more tokens are bought back and redistributed.

Consider an investor who joined Mutuum Finance (MUTM) during Phase 2 at $0.015 per token. With a $10,000 purchase, that investor received 667K tokens.

At today’s price of $0.035, those holdings are already valued at around $23K — a 133% rise before the project’s mainnet has even launched. Because of the utility the project delivers analysts project 40x growth shortly, that same investment will reach $400K in value by 2026.

Early entries in DeFi projects with real utility often bring the highest returns, and MUTM’s metrics show that this pattern is repeating again.

The next step for Mutuum Finance (MUTM) is its Sepolia Testnet whose V1 has recently been announced by the team, planned for Q4 2025. This stage will validate the core modules: liquidity pools, mtTokens, debt tokens, and automated liquidator bots.

The testnet will start with ETH and USDT markets, proving that lending and borrowing work flawlessly under real conditions. 

Later on, the expected beta launch is projected to happen at the token live event. This will give users hands-on access to lending, borrowing and staking modules with more assets.

The community of the project is already growing since the team runs a $100,000 giveaway, rewarding ten lucky participants with $10,000 in MUTM tokens each — a clear signal that community growth sits at the heart of this ecosystem.

The sixth phase of the Mutuum Finance (MUTM) presale is going quickly, and with 65% of the tokens already sold, time is running out before the price goes up by 15%.

Before the next phase starts, retail traders who know how to position themselves early are locking in. If you’re looking for promising cryptocurrencies before the 2026 cycle, Mutuum Finance (MUTM) isn’t just another presale; it’s going to be one of the biggest growth stories of the next bull run.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.comLinktree: https://linktr.ee/mutuumfinance

The post Three reasons traders are buying $0.035 DeFi coin for 40x gains appeared first on Invezz

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