Decentralized finance continues to move from a niche idea into a practical financial system used by a growing global audience. As DeFi usage expands into 2026, attention is shifting toward projects that are building real infrastructure instead of short-term hype. For investors tracking long-term crypto predictions, early-stage protocols with clear utility and structured growth are becoming the center of discussion. One project gaining traction in this context is Mutuum Finance (MUTM), a DeFi lending protocol currently in presale Phase 6 and priced at $0.035.
Presale Structure
Right after this growing interest, the presale structure of Mutuum Finance (MUTM) explains why many see it as a standout new cryptocurrency. The project uses a stepped pricing model that rewards early participation. MUTM began at $0.01 in the earliest presale phase and has now advanced to $0.035 in Phase 6. This represents a 250% increase from the initial price, showing steady demand as the presale progresses. The team has also outlined a planned launch price of $0.06, reinforcing the idea that the presale is designed to align early access with long-term growth.
Phase 6 is already 98% sold out, which adds urgency for those watching the final availability at this level. The presale structure confirms that Phase 7 will introduce a 15% price increase, moving MUTM to $0.040. This makes the current phase the last opportunity to acquire tokens at $0.035 before the next step up. Demand is further supported by a recent update that allows users to purchase MUTM using a card with no purchase limits, making entry faster and more accessible as supply tightens.
Why Mutuum Finance (MUTM) Fits the Future of DeFi Adoption
Mutuum Finance (MUTM) is being built as a dual-model DeFi lending protocol designed to support the next phase of decentralized finance adoption. The platform combines Peer-to-Contract and Peer-to-Peer lending, allowing users to choose how they interact with decentralized liquidity based on their preferences and experience.
Through the Peer-to-Contract model, users will be able to lock stablecoins such as USDT into liquidity pools governed by smart contracts. This structure will offer an automatic way to earn passive income, removing the need for manual loan management. The model is designed for efficiency and simplicity, which aligns with the broader DeFi trend of making decentralized tools easier to use as adoption expands.
Alongside this, the Peer-to-Peer model will allow users to enter direct lending agreements without intermediaries. This system will support custom loan conditions and added privacy, which appeals to users who value control over their financial arrangements. By offering both P2C and P2P within one protocol, Mutuum Finance (MUTM) positions itself as a flexible solution capable of serving a wide range of DeFi participants as usage grows into 2026.
Development progress adds credibility to this vision. Phase 1 of the roadmap is fully completed, confirming that the project has already delivered on its initial goals. More than half of Phase 2 is also completed, with remaining objectives focused on the implementation of advanced features, the implementation of risk parameters, and the development of advanced analytics tools. The whitepaper has been updated to reflect these advancements, providing transparency around protocol progress and reinforcing trust in ongoing development.
Momentum Through Launch Strategy, Token Utility, and Revenue Design
Another key reason Mutuum Finance (MUTM) aligns with long-term crypto predictions is its planned launch strategy. The project is expected to launch its platform and list the MUTM token at the same time. This synchronized rollout will give users immediate access to live lending and borrowing features on day one, setting a strong foundation for early activity. Unlike many presales that release tokens without real usage, Mutuum Finance (MUTM) will introduce a working product from the start.
At launch, users will be able to explore dual lending models and stake mtTokens for rewards immediately. This instant utility creates natural demand, as the token will serve a clear purpose within the ecosystem. A live product also strengthens the project’s profile with exchanges, as platforms with active use cases often meet listing requirements more efficiently. This coordinated debut supports visibility, liquidity, and sustained engagement.
The token’s buy-and-distribute mechanism further reinforces long-term value. Mutuum Finance (MUTM) plans to use part of its revenue, generated from borrowing fees and platform activity, to buy back MUTM tokens from the open market. These tokens will then be distributed to users who stake their mtTokens in designated contracts. This structure rewards long-term participation while introducing consistent buy-back pressure that supports price strength as usage increases.
Mutuum Finance (MUTM) has also confirmed that the first version of its protocol is set to launch on the Sepolia Testnet in Q4 2025. This deployment will introduce core infrastructure, including liquidity pools, mtToken and debt-token models, and an automated liquidator bot designed to manage collateral risk. During this phase, users will be able to participate in lending and borrowing using ETH or USDT. Rolling out V1 on the testnet will allow the community to interact with the protocol early, provide feedback, and support refinement ahead of the mainnet launch, strengthening confidence as adoption grows.
Community engagement is another growth driver. Mutuum Finance (MUTM) is running a $100K giveaway to support community expansion. Ten winners will receive $10,000 worth of MUTM tokens each, rewarding early supporters and increasing visibility during the presale phase.
Finally, as DeFi usage expands into 2026, the question of what’s the best crypto to buy becomes more focused on utility, structure, and timing. Mutuum Finance (MUTM) stands at a critical point. The token is priced at $0.035 in Phase 6, which is already 98% sold out. A confirmed 15% increase to $0.040 in the next phase makes this the final opportunity to enter at the current discounted price.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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Source: https://blockonomi.com/whats-the-best-crypto-to-buy-as-defi-usage-expands-into-2026/
