The Only New Crypto Under $0.75 Investors Track for 500% Upside Potential

As investors look ahead to the next crypto market cycle, attention is increasingly shifting toward new cryptocurrencies priced under $0.75 that combine early-stage valuation with active development. Rather than chasing slow and big altcoins, many are focusing on projects that offer clear use cases, visible progress, and room for long-term growth.

Analysts tracking emerging crypto opportunities note that cheap cryptos with working technology, growing communities, and defined roadmaps often attract interest well before broader market recognition. In this context, one new crypto under $0.75 is gaining traction, with experts closely monitoring its development milestones and adoption signals as Q2 2026 approaches.

What Mutuum Finance (MUTM) Has Been Building

Mutuum Finance (MUTM) began with the goal of simplifying crypto borrowing and lending by removing reliance on traditional intermediaries. From the start, the team focused on building a system where users could access liquidity using their digital assets while maintaining full control over their funds.

Early development centered on two complementary interaction markets. One is an automated lending framework designed to support standardized borrowing through smart contracts.

The other is a more flexible market concept intended to allow users to engage in direct lending arrangements with customizable terms.
For much of the project's early phase, development focused on building and testing the core system.

That changed with the launch of the V1 protocol on the testnet. The update opened access to the platform's main features in a risk-free environment, using test assets instead of real funds.

With V1 live, users can interact with liquidity pools that support assets such as WBTC, USDT, ETH, and LINK. Lenders receive mtTokens that reflect their supplied positions, while borrowers are issued debt tokens that track borrowed amounts and interest over time.

Growth and Momentum

While much of the attention remained on established, high-profile coins, Mutuum Finance continued to grow at a steady pace. Rather than relying on short-term attention cycles or promotional trends, the project focused on development and building a community around its lending model.

To date, Mutuum Finance has raised over $20.4 million from early participants. This funding did not arrive all at once, but accumulated gradually as more users learned about the protocol and followed its progress. The ecosystem now includes more than 19,000 individual holders, reflecting sustained interest rather than a brief surge.

This pattern of growth is often viewed as more durable, as it suggests participation driven by interest in the platform itself rather than momentary visibility. As development continues, this steady base of users provides a foundation for the project's next crypto phase of expansion.

Why Supply Is Now in Focus

Mutuum Finance is currently at a defined point in its rollout, with the MUTM priced at $0.04 during Phase 7 of its distribution. This level remains below the stated official launch price of $0.06, placing the project in its later early-access stage.

A significant portion of the allocated supply has already been distributed to the community, reducing the number of tokens available at current pricing. As later phases approach, remaining supply typically becomes more limited, which can influence how participants approach entry.

Once the current phase is completed, the next pricing tier is scheduled to activate automatically, bringing MUTM's price up by almost 20%. Analysts following the project note that interest has continued to build while the remaining allocation has declined, making supply dynamics an increasing point of focus as the distribution progresses.

Roadmap Catalysts

One of the core elements of the protocol is the use of mtTokens. When users lend assets to the system, they receive mtTokens as a record of their position. These tokens are designed to increase in value over time as interest from borrowers flows back into the protocol. mtTokens are already available to test in the V1 protocol on the testnet, allowing users to see how yield accumulation works in practice without using real funds.

The protocol also includes a buy-and-distribute mechanism. A portion of the fees generated from lending activity is intended to be used to purchase tokens from the open market and distribute them to participants who are staking or supporting the system. This model is designed to link token demand to actual platform usage rather than external market trends.

While MUTM is currently in its Phase 7 presale at $0.04, several analysts expect it to reach its confirmed launch price of $0.06. Looking ahead to late 2026, some market experts suggest a target of $0.20 to $0.50 as long as the platform sees wide adoption after the mainnet roll out.

The Final Shift Toward Visibility

Before wider adoption, a project must demonstrate strong security standards. Mutuum Finance has addressed this by completing an independent audit with Halborn and maintaining a high security score from CertiK. The team has also introduced a $50,000 bug bounty to encourage ongoing review.

At the same time, the project is approaching later distribution phases, with rising participation and improved access through card payments. As development shifts toward launch preparation, analysts note that attention is moving from early testing toward broader market awareness.

This is the exact point where visibility changes from a small group of experts to the wider world. The 500% upside potential that analysts talk about comes from the gap between the current early price and the expected market value. Once the V1 moves to the mainnet and the presale ends, the chance to get in under $0.75 would be a memory.

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.

J. Weir
Contact@mutuum.com

This release was published on openPR.