For many crypto investors, the biggest opportunities aren’t hiding in the blue-chip giants that already dominate the market, but in early-stage tokens with low entry prices and high upside potential.
One such example is Mutuum Finance (MUTM) — currently priced at just $0.035, the project is drawing growing attention as one of the most affordable yet promising DeFi tokens of 2025.
Backed by an ambitious technical roadmap and over $17.1 million raised so far, MUTM is increasingly being viewed as a potential breakout story in the coming cycle.
Why early entry still matters in crypto
History has repeatedly shown that some of the largest gains in crypto come from identifying strong projects before they take off.
In 2021, Shiba Inu (SHIB) delivered extraordinary returns to early buyers who entered when prices were near zero.
Similarly, early participants in Aave (AAVE) and Solana (SOL) saw their positions multiply as these projects grew from relatively unknown startups into major ecosystems.
Low-priced tokens give investors a simple advantage — greater exposure with less capital.
Accumulating meaningful positions early can dramatically amplify returns if the project succeeds.
By contrast, mature assets like ADA or AVAX can still grow, but their large market caps limit the chance of exponential upside.
That’s why both retail investors and whales are increasingly targeting projects like Mutuum Finance, which combine affordability with real utility.
Mutuum Finance (MUTM): a structured presale with growing traction
Mutuum Finance has entered Phase 6 of its presale, with tokens available at $0.035 each.
The project has already attracted more than 16,800 investors and surpassed $17.1 million in contributions, putting it among the top-performing presales of the year.
Those entering at this stage are positioned ahead of a clear price curve. The official launch price is set at $0.06, meaning Phase 6 participants are sitting on nearly 100% upside by listing.
Early Phase 1 buyers, who entered at $0.01, have already seen around 300% appreciation, a key factor behind growing whale accumulation.
Analysts expect further upside after the listing, predicting short-term post-launch valuations between $0.10 and $0.15 as liquidity deepens on major exchanges and platform utility goes live.
For Phase 1 participants, this range translates into a 10x–15x increase from their original $0.01 entry.
For those entering at the current presale price of $0.035, it represents a 2.8x–4.2x MUTM appreciation, highlighting why demand typically accelerates in the later presale phases as listing approaches.
Real DeFi utility
Unlike many presale tokens that go live without any product, Mutuum Finance is building a decentralized, non-custodial lending protocol with a dual-market structure designed to support both mainstream and riskier assets.
In the P2C (Peer-to-Contract) market, users can deposit assets like ETH, BNB, or USDT into shared liquidity pools.
In return, they receive mtTokens, which accrue interest automatically and can be staked for extra MUTM rewards, offering multiple income layers.
In the P2P (Peer-to-Peer) market, lenders and borrowers deal directly, selecting between variable rates, which adjust with liquidity conditions, or stable rates, which offer predictable repayment schedules.
For example, a borrower taking 3 ETH could opt for a starting 5% variable rate that moves with pool usage or lock in a 7% stable rate for certainty. This flexibility serves both conservative users and those seeking higher-risk opportunities.
The platform’s buy-and-distribute model further strengthens token demand.
A share of protocol fees is used to purchase MUTM on the open market and redistribute it to stakers, creating ongoing buying pressure linked directly to real activity.
Oracles and security
Pricing accuracy is critical for any lending platform, and Mutuum Finance uses a multi-layered oracle infrastructure to maintain stability.
Chainlink feeds provide reliable data, while fallback oracles and DEX time-weighted averages offer redundancy to protect against manipulation and outages.
This ensures fair collateral valuations and enables swift, accurate liquidations.
Security extends beyond price feeds. Mutuum Finance completed a CertiK audit, achieving an excellent 90/100 token score, and launched a $50,000 bug bounty to encourage independent security testing.
These measures establish a strong trust foundation for users and investors alike.
Upside potential for early MUTM buyers
The numbers tell a compelling story. According to analysts, a short-term target of $0.07 would already double the value of a $950 allocation at today’s $0.035 price, reflecting growing anticipation around the beta platform launch and early exchange exposure.
Mid-term projections of $0.75 are tied to the rollout of the buy-and-distribute mechanism, stablecoin integration, and expected Tier-1 listings — factors analysts believe could mirror the early growth trajectory of Aave as liquidity and usage scale.
At that price level, a $950 investment at $0.035 would be worth around $20,350, representing a 21x token appreciation increase from the current presale stage.
Looking further ahead, long-term targets of $1.75 are based on adoption scaling alongside Layer-2 expansion and sustained protocol revenue, which analysts argue could establish MUTM as a dominant utility token in the DeFi sector.
These kinds of potential multiples are why whales are moving early. With a low entry price, strong presale momentum, a live beta platform at launch, and audited security architecture, MUTM stands out in a crowded market where most tokens lack both utility and structured economic drivers.
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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