Experts Say This is The Only Cheap Crypto Under $1 with a 750% Path, Here's Why

The early months of 2026 are witnessing a significant shift in the digital asset market. For years, investors chased projects built on hype and social media trends. Today, the focus has moved toward functional technology and real financial utility. The market is beginning to recognize that the most successful protocols are those that bridge the gap between complex blockchain code and everyday financial needs. A new contender has quietly crossed a major technical threshold. This move has experts suggesting that a unique path for growth is now opening. The signs of a massive transition are appearing for those who know where to look.
The Rise of Mutuum Finance (MUTM)
Mutuum Finance is a developing new crypto protocol built on the Ethereum network to provide users with a secure way to access liquidity without selling their long-term digital assets. The protocol's design operates through a dual-market approach that includes a Peer-to-Contract (P2C) model for shared liquidity pools and a Peer-to-Peer (P2P) model for direct, custom agreements between individuals.
Central to this architecture is the Loan-to-Value (LTV) ratio, a safety mechanism that defines how much a user can borrow against the value of their deposited collateral to ensure the platform remains solvent and protected against market volatility.
LTV represents the percentage of a collateral's value that can be issued as a loan, with ratios varying based on the stability and liquidity of the specific asset. For example, highly liquid assets like ETH or USDT often carry a higher LTV of around 75% to 80%, meaning that if you deposit $10,000 worth of ETH as collateral, you could borrow up to $8,000 in another asset. In contrast, more volatile or niche assets are assigned more conservative LTV limits, typically ranging from 35% to 40%, to provide a larger safety cushion.
This project has seen incredible participation since it first opened its doors to the public in early 2025. To date, the protocol has raised over $20.1 million in funding. Even more impressive is the size of its community, which has grown to over 19,000 individual holders.
The project is currently in Phase 7 of its presale distribution, with MUTM priced at $0.04. This represents a 300% increase from the starting price of $0.01. With a total supply of 4 billion tokens, roughly 1.82 billion (45.5%) are allocated for the community. So far, more than 835 million tokens have already been sold.
V1 Launch and Verified Security
A major turning point occurred on January 27, 2026. The Mutuum Finance (MUTM) team confirmed via an official statement on X that the V1 protocol has launched on the Sepolia testnet. This is a critical milestone because it moves the project from a theoretical concept to a working piece of technology. Users can now test the core features, including the liquidity pools, the yield-bearing mtToken system, and the automated liquidator bot that manages risk.
Security has been the top priority for the team throughout development. The protocol has successfully completed a full independent audit by Halborn Security, a world-renowned firm. It also holds a high CertiK scan score of 90/100 and maintains an active $50,000 bug bounty program. Analysts suggest that this level of security and technical readiness is a strong signal for future performance. Many believe that as the protocol transitions to the mainnet, the MUTM token could see an initial surge of 500% to 600% as it attracts institutional interest.

The Buy-and-Distribute Growth Catalyst
The protocol features a unique buy-and-distribute model designed to support long-term value. Under this system, a portion of the revenue generated from lending fees is used to purchase MUTM tokens directly from the open market. These tokens are then redistributed to users who stake their assets in the protocol's safety module. This creates a constant cycle of organic buying pressure that is tied to actual platform usage rather than simple speculation.
Experts point to this feedback loop as a primary reason for their bullish outlook. Because the rewards are linked to real-world utility, the token's value has a fundamental reason to rise as the platform grows. Based on the current presale price of $0.04, some market analysts are projecting a 750% to 800% increase by the time the protocol reaches full mainnet adoption. This would put the token well on its way toward a long-term target of $0.40 to $0.50.
Stablecoin and Layer-2 Expansion
The roadmap for Mutuum Finance extends far beyond the initial V1 release. The team has outlined plans for a native over-collateralized stablecoin. This will allow borrowers to unlock value from their assets in a stable unit, which is crucial for managing risk during volatile market periods. Additionally, the project is preparing for Layer-2 integration. Moving to Layer-2 networks will significantly reduce transaction fees and increase execution speeds, making the protocol accessible to a much wider audience.
These features are essential for scaling a DeFi protocol to handle billions in volume. Analysts believe that these layers of utility will transform MUTM into a core piece of the Ethereum financial ecosystem. Long-term price predictions from several industry experts suggest that if Mutuum Finance captures even a small fraction of the global lending market, the token could eventually challenge the $1 mark. With the official launch price set at $0.06, the current Phase 7 entry at $0.04 is being viewed as the final opportunity to join at a significant discount.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

Mutuum Finance (MUTM) is an Ethereum-based, non-custodial decentralized finance (DeFi) protocol designed for lending and borrowing digital assets without intermediaries.

J. Weir
Contact@mutuum.com

This release was published on openPR.