Still Under $0.05, This DeFi Token Is Being Labelled One of the Best Cryptos to Buy Before Listings

With the cryptocurrency market regaining momentum and new capital flowing into early-stage projects, investors are actively scouting for tokens that haven’t yet hit mainstream exchanges. One project that continues to stand out in this search is Mutuum Finance (MUTM) — a DeFi protocol still trading well under $0.05, but already drawing serious attention from those focused on long-term returns.

At a glance, MUTM’s price tag of $0.025 might seem like just another low-cap presale. But that figure won’t last much longer. The next presale phase is approaching fast, and with it, the token price is set to increase to $0.03 — a 20% jump from its current level. And with a launch price locked at $0.06, the opportunity for early entry is narrowing by the day.

Mutuum Finance (MUTM)

There’s a simple reason strategic investors are making their move now: the math makes sense. Based on the confirmed launch price of $0.06, MUTM is projected to rise over 1000% shortly after going live, according to early analyst estimates. However, those who get in before the current presale phase concludes stand to gain even more.

Take this example — an investor who puts in $1,500 at the current $0.025 price stands to receive 60,000 tokens. When the token reaches $0.60 (a 1000% gain from launch), that $1,500 turns into $36,000. That’s not just a strong return — that’s the type of move that long-term cryptocurrency portfolios are built around.

Waiting until the next presale phase at $0.03 cuts into that potential. Waiting until launch reduces it even more. That’s why early movers aren’t hesitating. Timing, in this case, is everything.

MUTM isn’t gaining traction just because of its price point. The project itself is building real infrastructure around decentralized finance. Mutuum operates as a non-custodial platform, enabling users to access lending and borrowing features for digital assets through self-executing smart contracts.

The platform is structured to support both peer-to-contract (P2C) and peer-to-peer (P2P) lending models. With the P2C method, users supply assets to collective liquidity pools and receive earnings that depend on how actively those pools are being used. Borrowers access these pools by locking up collateral, and rates adjust dynamically based on how much capital is in use. Meanwhile, the P2P model offers a more direct route — letting users negotiate terms independently, especially useful for more speculative tokens.

This dual-lending structure has led some analysts to include MUTM in their crypto predictions for top-performing DeFi assets in the next market cycle.

Beyond lending and borrowing, Mutuum is also in the process of developing an overcollateralized stablecoin. This stablecoin will be minted directly from collateral inside the protocol, offering a decentralized and transparent alternative to more centralized stable assets. Importantly, all interest generated from stablecoin borrowing flows back into the protocol’s treasury — reinforcing its long-term sustainability.

These utilities give MUTM more than just short-term trading appeal. They’re why many analysts are labeling it one of the best cryptocurrencies to buy now, especially for those building portfolios focused on DeFi exposure and consistent passive income strategies.

One reason Mutuum is catching on with forward-looking investors is its balance of current traction and untapped potential. With over 9,500 holders already and $7.7 million raised, the community is growing fast — but it’s still early. Once the token is listed on major exchanges, more exposure will follow, and the entry price will no longer sit below five cents.

Mutuum’s team has also confirmed that all transactions will run through audited smart contracts, and a full audit with CertiK is underway. The platform’s beta release is planned to coincide with the token launch, showing that the team is prioritizing practical delivery and real functionality over marketing buzz.

Opportunities like this don’t stay quiet for long. MUTM is currently flying under the radar, but not for much longer. The upcoming price jump to $0.03 is just the first step in a planned progression toward launch. Each phase not only increases price but also reduces the potential upside for new investors.

By entering now — before the next presale phase begins — investors secure both a lower price and a higher margin for returns. That’s why this token, still under $0.05, is being added to long-term portfolios by those who’ve seen how early-stage crypto investments in DeFi projects can outperform when built with real use in mind.

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