Best Crypto Under $1: Over 19,000 Investors Track V1 Protocol Launch

In a market where many projects rely on hype, a quiet technical revolution is taking place behind the scenes. Sophisticated market participants have begun moving away from stagnant assets toward protocols that offer functional utility. This transition is not accidental. It is the result of a long development cycle reaching its most critical milestone. When a project moves from a conceptual roadmap to a live, interactive system, it signals a major turning point for its ecosystem.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is an Ethereum-based protocol designed to modernize how we think about lending and borrowing. At its core, the project is building a decentralized hub where users can access liquidity or earn yield without ever giving up custody of their assets. To achieve this, the team is developing a unique dual-market framework that serves different types of users within a single ecosystem.

The first model is the Peer-to-Contract (P2C) market. This is designed for users who want instant access to liquidity. In this system, lenders deposit assets like ETH or USDT into shared communal pools. In return, they receive mtTokens, which act as interest-bearing receipts.

For example, if a user supplies 10,000 USDC to a pool, they receive 10,000 mtUSDC. As borrowers pay interest back into the pool, the value of those mtUSDC tokens grows automatically. A lender can withdraw their original deposit plus all accrued interest at any time, making it a highly efficient tool for passive income.
The second model is the Peer-to-Peer (P2P) market. This environment is built for more customized lending deals. It allows participants to negotiate specific terms, such as interest rates and collateral requirements, directly with one another. This is particularly useful for higher-volatility or niche assets that might not be suitable for a large, shared pool.

The success of this vision is reflected in the numbers. Mutuum Finance has already raised over $20.25 million and attracted more than 19,000 individual holders. This high level of participation is crucial because it creates a decentralized foundation.

The Path of Appreciation and Structured Growth

The financial journey of the MUTM token has been as carefully planned as its technical engine. The project has a fixed total supply of 4 billion tokens. From this supply, exactly 45.5% (1.82 billion tokens) is allocated for early participants. To date, more than 840 million tokens have already been sold, meaning nearly half of the available allocation is already claimed by the community.

The project is currently in Phase 7, where the MUTM price is set at $0.04. This follows a steady growth path that began in early 2025 at an initial price of just $0.01. This structured appreciation has already delivered a 300% increase for the earliest backers. Most notably, the project has confirmed an official public launch price of $0.06. This means that Phase 1 participants are already positioned for 500% MUTM appreciation.

For those joining now, the window of opportunity is narrowing. Each phase represents a fixed amount of supply, and as each phase sells out, the price automatically moves to the next level. The jump from Phase 7 to Phase 8 will increase the MUTM price by nearly 20%.

Security Grade: CertiK and Halborn

In the world of decentralized finance, security is the only currency that truly matters. Mutuum Finance has prioritized this by undergoing rigorous testing from the most respected names in the industry.

The protocol has successfully completed a full, independent audit by Halborn Security. This firm is famous for reviewing high-stakes projects and ensuring that the smart contract logic is resistant to exploitation. The Halborn audit focused on every core function, including deposits, borrowing, and the automated liquidation triggers that protect the system's solvency.

In addition to the Halborn review, the MUTM token contract has been audited by CertiK, earning a high Token Scan Score of 90/100. This score is significantly above the average for early-stage DeFi projects and confirms that the code is transparent and secure.

Positioning for Q1 2026

As the first quarter of 2026 progresses, Mutuum Finance is positioning itself as a leader in the next wave of Ethereum-based DeFi. The sense of urgency among investors is palpable, especially following the news that the V1 protocol is now live on the Sepolia testnet.

This is a major milestone that allows users to explore the initial markets and test the core lending and borrowing flows in a safe environment. It proves that the new crypto gem is no longer just a concept but a functional financial tool.

With over $20 million raised and the holder count nearing 20,000, the momentum is undeniable. The combination of a working V1 protocol, dual-market utility, and audited security makes MUTM one of the most credible projects under $1 today. As Phase 7 sells out and the price prepares to climb toward the $0.06 launch target, the window to secure a position at these levels is closing.

For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

About Mutuum Finance

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

Contact Information
J. Weir
Contact@mutuum.com

This release was published on openPR.