Best Cheap Crypto to Buy Now? This DeFi Project Is Raising Millions While Others Are Dropping

While much of the crypto market is struggling to find its footing, a lesser-known DeFi protocol is quietly gaining speed—and buyers are rushing in before the next price jump. Mutuum Finance (MUTM) is currently priced at just $0.025, but with over half of Phase 4 already sold out, investors are looking ahead to Phase 5, where the price is set to climb. Out of the total 11 presale phases, each stage brings a slightly higher token price—and as demand builds, that price window won’t stay open for long.

In total, more than 420 million tokens have been sold, and the presale has already raised over $7 million. The growing community of nearly 9,000 holders shows that Mutuum is no longer a hidden gem—it’s becoming a strategic move for those hunting value before listings.

Mutuum Finance (MUTM)

Mutuum sets itself apart in the DeFi space by combining both Peer-to-Contract and Peer-to-Peer earning mechanisms within one unified protocol.

In the Peer-to-Contract model, participants contribute their crypto assets to communal liquidity pools. Borrowers tap into these pools by posting collateral, and the interest they pay goes directly to the liquidity providers. Interest rates fluctuate based on usage—when a pool is heavily borrowed from, the rate increases, benefiting lenders with higher returns.

The Peer-to-Peer model, on the other hand, introduces a more personalized approach. Here, users negotiate directly with each other, setting custom terms based on market sentiment and asset type. This is especially useful for more speculative tokens like Dogecoin, Shiba Inu, and other meme coins that aren’t always supported in traditional lending protocols. By isolating these assets from the main liquidity pools, Mutuum allows more flexibility while keeping the core protocol stable.

This dual-approach structure creates room for both conservative strategies and higher-risk, higher-reward plays—all within the same ecosystem.

Beyond the presale excitement, Mutuum is building something more durable than just a trading vehicle. The protocol includes a built-in overcollateralized stablecoin, created when users deposit excess collateral into the system. The protocol’s stablecoin maintains an algorithmic link to the U.S. dollar and is designed to serve as a core component of the ecosystem, allowing users to access liquidity without needing to part with their underlying assets.

Users who contribute assets to the liquidity pools are issued mtTokens in return. These tokens reflect a user’s portion of the liquidity pool and automatically grow in value as interest accrues. Holders can keep them, exchange them, or utilize them across other DeFi applications. Importantly, they also grant access to passive rewards, since Mutuum distributes a portion of its revenue to active participants. The platform buys MUTM tokens from the open market using protocol revenue and redistributes them to users—rewarding activity rather than speculation.

With Phase 4 nearing completion, focus is shifting toward the upcoming stage, where the token’s price will rise to $0.03. For those who want to maximize their allocation, getting in before the next price tier is key. With 11 total presale phases, each step increases the entry cost—and early buyers stand to benefit the most once the token goes live.

Mutuum has announced plans to release a beta version of its platform in conjunction with the token launch. That means buyers won’t have to wait long to interact with the system and test its full features. Combined with upcoming exchange listings, this rollout could create a strong wave of buying pressure—especially if the token hits the open market at or above the $0.06 mark.

With major crypto assets facing resistance and many new tokens fading shortly after launch, Mutuum Finance is carving out a different path. It’s combining structured DeFi tools with real incentives, and its presale progress is proof that the market is paying attention.

For investors looking for the best cheap crypto to buy now, it’s rare to find something that offers both a low entry point and a roadmap rooted in functionality. But with half of the current phase already sold out and a powerful dual lending model in place, MUTM is shaping up to be one of the most promising DeFi projects of the year.

If the current pace continues, Phase 5 will open sooner than expected—meaning now might be the last window to secure tokens at $0.025 before the next price increase locks in.

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