Best DeFi Crypto to Buy As Analysts Predicting $1 from $0.04

Finding a DeFi project at an early stage with working fundamentals and a clear growth structure is rare. Mutuum Finance (MUTM) is positioning itself as a serious contender, especially for those looking at a structured crypto investment rather than short-term hype. With MUTM currently priced at $0.04 in Phase 7 of its presale, analysts are beginning to focus on how this new crypto coin could move toward the $1 mark as adoption and utility expand.

Presale Momentum and a Utility-Driven Foundation

Mutuum Finance (MUTM) is still in its presale phase, and that early positioning is a key part of its appeal. The token started at $0.01 and has already climbed 300% to $0.04. Out of the total 4 billion supply, 45.5% - or 1.82 billion tokens - have been reserved specifically for the presale. This structure has been designed with long-term appreciation in mind rather than sudden inflation.

The presale uses a staggered pricing model where each new phase is expected to increase the token price by close to 20%. That means participants entering earlier phases are positioned more favorably than those waiting for later rounds. For investors seeking a calculated crypto investment, this gradual and predictable pricing ladder adds a sense of structure and urgency without relying on speculation alone.

At its core, Mutuum Finance (MUTM) is building a dual lending system that will allow users to lend assets to earn yield or borrow against their holdings without selling them. This creates two sides of activity: liquidity providers and borrowers. Both roles are essential for a healthy DeFi ecosystem, and MUTM is designed to sit at the center of these flows.

Test Features on Recently Launched Protocol

This design is already being demonstrated through the V1 of the protocol on the Sepolia testnet. The testnet gives users early, hands-on experience with the lending and borrowing system in a live but low-risk environment. It includes multi-asset liquidity pools, mtTokens that earn interest, debt tokens that track loans, automated liquidation protection, and support for ETH, USDT, LINK, and WBTC.
For example, a user depositing $4,000 in ETH into a pool will receive mtETH, a token that increases in value as interest builds. Another user holding $8,000 in LINK can use it as collateral to borrow $5,000 in stablecoins, accessing liquidity without selling their long-term position. Each action strengthens the ecosystem. mtTokens encourage holding, debt tokens improve transparency, and the liquidator bot supports system stability. This practical exposure on testnet is expected to build confidence and familiarity before the move to mainnet, helping drive organic demand and may take it upto $1 mark faster than Dogecoin (DOGE).

$1 Pegged Stablecoin and Use of Chainlink Price Feeds

Analysyst gave more justifications to prove the $1 mark price target. First, a major growth driver could be Mutuum's planned decentralized stablecoin. It is designed to aim for a 1 dollar value and will only be minted when users borrow against overcollateralized positions like ETH. When loans are repaid or liquidated, the stablecoin will be burned, keeping supply tied directly to real borrowing activity. Interest rates will be adjusted through governance to help maintain price stability, while arbitrage and automatic liquidations will add further balance.

Because this stablecoin will sit at the center of Mutuum's lending markets, it is expected to keep liquidity circulating inside the protocol. Stablecoins are widely seen as the backbone of DeFi, and an overcollateralized version integrated directly into lending flows could create consistent usage. That activity can translate into recurring demand for MUTM as the ecosystem expands.

In addition to the stablecoin, reliable price data will also play a major role. Mutuum's design anticipates the use of Chainlink price feeds along with fallback oracles, aggregated data sources, and on-chain price references when possible. Accurate pricing reduces the risk of unfair liquidations and manipulation. When users feel safer holding larger and longer positions, overall platform activity can grow. More borrowing, more lending, and more fees can strengthen the protocol's economy, which supports broader MUTM utility over time.

Security, Transparency, and Long-Term Confidence

Security is another area where Mutuum Finance (MUTM) is building credibility. Its smart contracts were audited by Halborn last November. Some issues were identified, including one high-severity item, and all were resolved before completion. Halborn confirmed that all of the findings were remediated, strengthening confidence in the protocol's code integrity as it advances.
Mutuum has also undergone a CertiK audit using manual review and static analysis. The project holds a Token Scan Score of 90.00 and a Skynet Score of 79.00. The audit process was requested on February 25, 2025 and later revised on May 20, 2025. These evaluations provide an additional technical layer of transparency for users considering long-term involvement.

To further reinforce safety, Mutuum Finance (MUTM) is running a 50,000 USDT bug bounty program. Rewards are offered based on severity, with up to 2,000 USDT for critical findings, 1,000 for major issues, 500 for medium, and 200 for low-level vulnerabilities. This open approach encourages continuous review from the broader security community, helping keep the system resilient as it grows.

Final Verdict

Mutuum Finance (MUTM) combines a structured presale model, working DeFi lending mechanics, a stablecoin design, reliable pricing plans, and multiple layers of security review. For those searching for a utility-driven crypto investment rather than pure speculation, MUTM stands out as a new crypto coin still in its early stages but already building real infrastructure. With analysts watching the path from $0.04 toward higher long-term targets, the project is shaping up as one of the more closely followed DeFi presales in the current market cycle.

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.