The year 2026 is turning out to be a pivot in the top crypto market in the first quarter of the year. As old crypto names are being pursued by many investors, a new generation of decentralized utility is silently replacing it. The passage of a particular new crypto protocol has broken a huge technical barrier. This fact is beginning to herald the significant change in our thinking regarding on-chain lending. The indications of a giant breakout are all over to people who know where to look. The early entry window is closing rapidly with the technology finally becoming a reality besides being a plan. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is the new crypto generation project that transforms the way individuals lend and borrow cryptocurrency. The protocol’s design employs two major markets to offer more options to users. These are the Peer-to-Contract (P2C) lending. Under this model, you will be able to deposit assets such as ETH or USDT into huge liquidity pools. You receive in return a high APY which increases with time. To illustrate, a user who deposits an amount of $5,000 into an USDT pool with an APY of 10% would experience their balance steadily increase as the protocol charges borrowers. The second market is Peer-to-peer (P2P). This is to users with more control preferences. You have the liberty to fix your own borrow rates and you can also opt in the fixed or variable type of interest. A particular Loan-to-Value (LTV) ratio is also used in this model. You can borrow $750 of every $1,000 of cryptocurrency that you offer as security. This two-sided strategy will render the protocol adaptable to all. Presale Momentum and Tokenomics The MUTM presale has grown in an incredible way. The project has already raised more than $20.1 million. Overall, Mutuum Finance has attracted over 19,000 investors. The overall MUTM amount supply is limited to 4 billion tokens. A big share of this supply, or 45.5% or 1.82 billion tokens, is reserved to the presale. This will guarantee that the community possesses a large share of the project initially. The value has been increasing since the beginning of 2025 among the investors. In Phase 1, the price of MUTM was just $0.01. It has now reached $0.04 in presale Phase 7. It is a 3x increase. It has reached such a demand that phases are selling out faster than ever before. There is also the 24-hour leaderboard in the project. The person who tops the most in the daily contribution wins a reward of $500 in MUTM tokens. This makes the ecosystem active and involved. Current purchasers are also enjoying a significant 50% discount with a confirmed launch price of $0.06. V1 Launch and Price Potential The reason many analysts call MUTM the best crypto opportunity is that the V1 protocol is currently being tested in the Sepolia testnet. This debut is an indication that the technology is functional. The liquidity pools can now be tested and the system viewed by the users. When you lend assets, the protocol mints mtTokens. These are interest bearing certificates. Borrowers are issued with debt tokens on the other side. These tokens are a precise account of the amount of principal and interest due to the borrower. This development and the testing of utility is the cause of such optimism in analysts. According to some analysts, MUTM could be able to hit $0.35 by 2026. It would be an enormous leap up off the existing price. It demonstrates that the market is prepared to make rewards on the projects with actual tools rather than mere hype. The Final Opportunity The most important concern to the team is security. The protocol has undergone a profound security audit by Halborn Security. CertiK also gives them a high result of 90/100. Such audits identify weaknesses in the code in order to ensure that user funds are not compromised. At the present, the token remains at a half price relative to the projected launch price. This will be a minimal opportunity to participate in it prior to the rollout of the mainnet later this year. With the availability of the last stages becoming saturated, chances of getting MUTM at these prices will be gone. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance
