Some tokens under one dollar are hidden gems waiting to be noticed. Mutuum Finance (MUTM) is one of those quiet projects gaining attention among smart investors. While crypto prices today remain uncertain after market turbulence, Mutuum Finance (MUTM) continues its steady progress through Phase 6 of its presale.
The token price is now $0.035, and over 68% of the current phase supply has already been purchased. The total funds raised stand near $17.42 million, with more than 17,000 holders joining the ecosystem.
For readers deciding what crypto to buy now before year end, MUTM’s sub-$1 entry and visible roadmap make it a timely candidate.
A quick outlook to 2x
Market watchers describe Mutuum Finance (MUTM) as the best crypto to watch this month because of its unique token economy and active user incentives. The project combines real lending utility, staking rewards, and a transparent buy-and-distribute system.
Insiders forecast that the token will reach $0.040 before the end of October, marking a full 2x increase for those who invested in earlier Phase 3 when the price was $0.020. Additionally, a Phase 2 participant who invested $5,000 at $0.015 will soon see that investment worth $13,000 — a large gain in less than three months.
Thanks to this pricing cadence, screeners are starting to flag MUTM among the best cheap crypto to buy now under $1.
This steady rise reflects how the project is building value from true on-chain activity instead of short-term speculation. With its demand-focused model and fast-selling presale, Mutuum Finance (MUTM) stands out as one of the top cryptocurrencies below $1 right now.
Real yield, real demand
The game doesn’t end with the presale; in reality, growth should spike post token launch and potential exchange listing. A strong dual lending model is one of the key drivers for that growth. Mutuum Finance (MUTM) is built around a simple but strong idea — users earn from real activity, not just token hype.
The platform will run on a Peer-to-Contract (P2C) system where lenders supply stablecoins such as USDT and DAI to earn solid yearly returns.
A user who lends $15,000 USDT will receive mtUSDT tokens that grow over time with an estimated 15% APY. That means $2,250 in yearly yield, while the lender’s capital remains accessible through mtTokens. Borrowers, on the other hand, will unlock liquidity using crypto as collateral.
Someone posting $1,200 worth of SOL can borrow up to 75% of its value, or about $900 USDT, without selling their assets.
This clear and balanced system keeps the platform liquid and rewards both sides. Every transaction will also drive demand for MUTM, as users need the token for fees, staking, and future governance participation. For those investing in crypto with a focus on utility, that linkage between activity and value is key.
Mutuum Finance (MUTM) will also include a Peer-to-Peer (P2P) system, giving more freedom to users who deal with higher-risk tokens like DOGE or PEPE. In this setup, lenders and borrowers will set their own rates.
Higher returns will attract traders looking for flexible earning options. This design helps expand the user base while keeping the main lending pools secure.
The combination of these two lending systems — P2C and P2P — forms the foundation of Mutuum’s real-yield economy. It is a straightforward, functional model that builds trust, drives engagement, and grows demand naturally.
Momentum building before launch
The team recently announced on its official X account that the V1 version of the protocol will be launched on the Sepolia Testnet.
This version will include essential tools such as a liquidity pool, mtToken, debt token, and a liquidator bot to keep the system stable and secure. In the beginning, users will be able to lend, borrow, and use ETH or USDT as collateral easily.
This early launch will let users try out the platform and see how it works before the official release. As users gain confidence in the system, investor interest is expected to grow, which could increase demand and lead to a higher token value.
Alongside this, Mutuum Finance (MUTM) already operates a live leaderboard and dashboard. The leaderboard tracks the top 50 contributors, rewarding them with extra MUTM tokens.
The dashboard helps users monitor performance and visualize their token growth. This early access keeps the community engaged while new investors join through the presale.
The 24-hour leaderboard has been updated with a new incentive system. Every day, the user who achieves the top rank will be rewarded with $500 in MUTM, as long as they complete at least one transaction within the 24-hour timeframe.
The leaderboard resets automatically each day at 00:00 UTC. As excitement builds, these live tools help create social recognition. Users can share portfolio progress and see leaderboard positions, turning the presale into an active experience rather than a waiting game.
This engagement loop adds momentum and will strengthen demand in October as more investors enter the ecosystem.
Why doubling makes sense
As awareness spreads and the beta launch draws closer, traders reviewing crypto prices today are beginning to view MUTM as a strong contender in the next DeFi cycle.
The token’s MUTM buy-and-distribute feature will also help maintain long-term demand, as part of the platform’s revenue will be used to purchase MUTM and reward stakers.
The upcoming months are likely to see consistent attention toward projects with real earnings and transparent token economies.
With a fully audited foundation, a $50,000 bug bounty, and a $100,000 community giveaway, Mutuum Finance (MUTM) positions itself as one of the best cryptocurrency to invest in heading into 2026 — a new cryptocurrency many consider a credible next big crypto candidate.
Final take — The window is closing
More than two-thirds of the presale for Mutuum Finance (MUTM) has been sold, and it is in Phase 6. The price will go up to $0.04 in Phase 7 — a 15% increase — once it is over. Investors that get in before this shift will be in a better position when the price steps up again.
Mutuum Finance (MUTM) is still getting a lot of attention as the best crypto investment under one dollar since it has consistent growth, active development, and a community-focused concept.
If you’re watching crypto prices today and waiting for a sign, this new crypto coin has one: a token designed to reward real engagement and already strong enough to double in October.
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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