Many analysts are scanning the crypto space for undervalued altcoins that may rise sharply before 2026. One name gaining attention is Mutuum Finance (MUTM) . Mutuum is building a dual lending platform that supports both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) models. The project is in presale Phase 6. Its upcoming lending system, stablecoin design, and possible exchange listings have set expectations for a 500 % rally before mid-2026—putting it on shortlists for what crypto to invest in and top cryptocurrencies this cycle. Presale momentum and token Economics Mutuum Finance (MUTM) has a total supply of 4 billion tokens. It is now in Phase 6 of its presale. In Phase 6, each token is priced at $0.035. The next Phase 7 will set the price at $0.040, a 15 % increase over the current rate. So far, Mutuum has raised about $17.4 million. Of the 170 million tokens allocated in Phase 6, 68 % are sold. Combining all phases, over 17,200 holders have already joined—leading some analysts to include MUTM among the best cheap crypto to buy now. An investor who bought at $0.01 could see 6× value gain at a listing price of $0.06. Analysts expect the token to climb further, projecting a 30x (about 500 %) rally from listing to mid-2026. This trajectory has already drawn comparisons to early calls on major crypto successes. Some analysts are treating Mutuum as the next big cryptocurrency pick. In Q4 2025, Mutuum plans to launch protocol’s Version 1 on the Sepolia testnet. In that version, users will be able to lend, borrow or collateralize both ETH and USDT. It will include important components such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure the system runs smoothly and safely. That release is pivotal as it will demonstrate real use cases and help attract more users and liquidity into the platform. Dual lending design and growth engines t0 500% Mutuum’s dual lending strategy sets it apart. In the P2C pools, users deal with stable or major assets like ETH or USDT. In P2P pools, more volatile assets—such as DOGE or SHIB—can be lent or borrowed. This mix lets liquidity flow flexibly and invites more people to participate. The lending and borrowing utilities create strong real-world use cases that are likely to draw more users to the platform. In the near future, users will be able to lend, borrow, and stake their assets in dedicated pools to earn passive income and rewards. Each of these activities naturally increases the demand for MUTM, which is anticipated to significantly contribute to the token’s value appreciation—key considerations for lists of best crypto to buy now and top crypto to buy. A second growth driver is the planned decentralized stablecoin. When someone borrows it, they lock up collateral like ETH, and the stablecoin is minted. When they repay or get liquidated, the stablecoin is burned. Interest rates will adjust dynamically to keep the stablecoin close to its $1 peg. For example, a trader might lock $5,000 in ETH and borrow stablecoins while still holding their crypto exposure. This setup will anchor activity in Mutuum’s P2C and P2P markets, making borrowing and lending flow continuously. Over time, this built-in demand for the stablecoin and for MUTM itself is expected to lift token value steadily. Questions like is crypto a good investment are now taking a new focus with projects like MUTM in mind. Third, Mutuum’s price discovery system is built with strong oracles. The primary source will be Chainlink feeds for USD and native asset pricing. Backup oracles and aggregated feeds will support redundancy. DEX time-weighted average price (TWAP) will also feed into the system. With this robust framework, wrongful liquidations or price manipulations are avoided. That kind of safety will draw institutional lenders and large borrowers. As trust grows, positions will grow, fees will rise, and more people will need MUTM to interact with the protocol. The rising demand will push the token upward. Security measures Mutuum has also secured strong security measures. It is undergoing a CertiK audit, combining manual review and static analysis. The TokenScan score is 90.00 and the Skynet score is 79.00. The audit request began February 25, 2025 and was revised on May 20, 2025. In addition, Mutuum hosts a bug bounty program with a $50,000 reward pool. Critically, bugs are rewarded up to $2,000, major issues $1,000, medium $500, and low $200. This security posture will enhance confidence among large investors. Beyond fundamentals, the chance of exchange listing gives a potent selling angle. With strong presale metrics and upcoming testnet builds, MUTM is a candidate for Tier-1 or Tier-2 exchange listings in the near future. That listing would bring huge visibility and capital inflows. For those exploring what crypto to buy now and crypto to buy now, Mutuum represents a fresh option with strong structural backing. Final verdict The 24-hour leaderboard has been enhanced with a new update. Each day, the user who ranks first will earn a $500 MUTM reward, given that they complete at least one transaction within the 24-hour period. The leaderboard resets daily at 00:00 UTC. The 500 % projection is rooted in solid architecture: dual lending paths, a native stablecoin, rigorous oracles, strong security, and listing potential. Phase 6 is already 68 % sold and the next price point is $0.040 (a 15 % jump). This is possibly one of the last chances to claim a meaningful share of MUTM at $0.035 before a major price discovery phase kicks in. For investors who want exposure to an up-and-coming token with structure, innovation, and momentum, Mutuum Finance (MUTM) is poised to rise and appears on several best crypto to invest in shortlists among defi crypto projects. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Analysts expect a 500 % jump from this sub-$1 altcoin before mid-2026 appeared first on Invezz
