New cryptocurrency projects are commonly analyzed in terms of the usefulness of valuation, adoption and development rates. Several experts believe that Mutuum Finance (MUTM) can be valued at its build-stage level as opposed to its usage-stage level. That difference has made it possible to discuss proactively how far MUTM can go within the first two years of protocol activity.
Presale Data and Protocol Design
Mutuum Finance started its presale in early 2025 at $0.01 and has risen to $0.04 in Phase 7 following numerous stage changes. Up to now the presale has brought in $19.9M and inboarded over 18,900 holders who have already sold 830M tokens. Out of the 4B MUTM available, 1.82B or 45.5 percent are reserved as presale access. This has been gradual and not explosive.
The protocol is concerned with decentralized lending. The project’s design promotes lending of P2C wherein the users provide funds to a liquidity pool and earn mtTokens that index the principal and APY.
It also facilitates P2P borrowing through users at determined loan-to-value determination under liquidation logic to safeguard in times of volatility. Analysts monitoring new crypto and DeFi crypto industries note that this two-fold design provides Mutuum Finance with a useful borrowing platform instead of a story only design.
V1 Launch and Security Check
It is announced by the official X-account of the team that V1 protocol will go to the Sepolia testnet in Q1 2026. V1 has collateral rules, liquidation and debt accounting logic and lender APY logic. To model the price, analysts define V1 as the price at which valuation will start to take into account use instead of planning.
Mutuum Finance has an independent audit conducted by Halborn Security and a score of 90/100 token scan rating by CertiK. In the case of lending, this validation layer is a stipulation because of collateral and liquidation.
Some analysts feel that in case the V1 rollout occurs on time and usage during the testnet with mainnet following, MUTM would reprice to the $0.10 to $0.15 range. This would amount to 150%-275% increase at the execution stage out of the present presale price of $0.04.
Growth Catalysts
mtTokens are one of the fundamental mechanisms of the protocol. Users providing assets are awarded mtTokens and APY. Those mtTokens will be deposited in the safety module to receive MUTM which will be bought on an open market and will be transferred back to stakers.
Those purchases are financed by a part of the revenue generated in the process of borrowing. This buy-and-distribute model is emphasized by the analysts since it creates a buy demand on a basis of the lending volume rather than attention cycles.
To encourage participation, Mutuum Finance operates a 24-hour leaderboard each day giving the best contributor $500 of MUTM. This enhances involvement in the later stages and expansion in distribution.
Roadmap Milestones
In addition to lending, the project will also launch an overcollateralized stablecoin where users can mint their collateral instead of selling their assets according to the official roadmap. The users of Stablecoin are longer term borrowers and according to analysts this enhances the revenue predictability of DeFi lenders. It is also expected to expand its layer-2 in order to charge fewer transaction fees and support throughput to users who do not desire to trade on Ethereum mainnet.
In a long-term context, when the minting of stablecoins and the support of Layer-2 protocols increase the use of protocol-driven prices, a number of analysts draw up a third price between $0.25 to $0.32. Out of the presale price which is $0.04, this range reflects a 525-700% growth on a bullish valuation trajectory.
According to the analysts, whale entries in terminal presale periods usually indicate belief that the prices will not be maintained at the build-phase levels when the use and revenues start to be realized. As the remaining supply gets tighter and the latter stage will see the price go up once more, more investors have entered the market in order to be positioned ahead of the V1 transition.
Mutuum Finance has reached the development, security and participation point of development. As an investment to watch the type of crypto to invest in 2026-2027, analysts indicate that MUTM belongs to the category of early cheap crypto that are about to get first activated, instead of late-cycle assets already being priced to maturity.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
This articles is written by : Nermeen Nabil Khear Abdelmalak
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