Early Buyers Point to This $0.035 Token as One of the Best Crypto for Q1 2026, Phase 6 Almost Completed

Some analysts believe a shift is forming among early buyers who are searching for the best crypto to position for Q1 2026. Market commentators suggest that one token priced at $0.035 is gaining more attention than expected as demand builds and a new development milestone approaches. Early investor sentiment indicates that this project may enter the next quarter with stronger momentum than many larger altcoins. Curiosity is rising because this shift is coming from users who typically identify trends before they reach the broader market.

What Mutuum Finance (MUTM) Is Building

Mutuum Finance (MUTM) is developing a lending and borrowing protocol built around two market environments designed for different user types. The first is the Peer-to-Contract market. Users supply assets into a liquidity pool and receive mtTokens in return. These mtTokens increase in redeemable value as interest from borrowers flows into the pool. For example, someone supplying ETH receives mtETH, which becomes redeemable for more ETH over time. This creates a predictable yield based on real protocol activity.

The second market is the Peer-to-Peer system. Borrowers post collateral and request loans, while lenders choose which requests to fund. A borrower might offer USDT as collateral and set a preferred rate, and a lender can decide whether the terms fit their plan. This structure appeals to users who want more control over borrowing and lending arrangements.

Mutuum Finance confirmed that its V1 protocol will launch on Sepolia Testnet in Q4 2025. The V1 release includes the Liquidity Pool, mtToken system, Debt Token and Liquidator Bot. ETH and USDT will be the first supported assets. At the same time, Halborn Security is reviewing the finalized code in a formal audit, giving analysts confidence that the protocol is preparing for its first live testing phase.

Money Raised, Number of Investors and Price Increase

Mutuum Finance has raised $19.30M so far. There are 18,400 holders, a number that continues to rise each week. These early holders matter because they show that interest is spreading before the protocol even reaches testnet. In early-stage projects, a growing user base is often a strong indicator of long-term traction.

The token started at $0.01 when early supporters entered in early 2025. It now trades at $0.035, marking a 250% increase from the initial price. Some analysts believe this early rise shows steady demand rather than short-lived spikes. Early buyers say this progress signals that the project is gaining recognition at the right time, which is why many now point to MUTM as one of the best crypto to buy now before Q1 2026.

Token Allocation, Tokens Sold, and User Activity

Mutuum Finance has a total supply of 4 billion tokens. Of this, 45.5%, or 1.82 billion tokens, are allocated to the presale. So far, 820 million tokens have been sold. Analysts say this allocation strategy gives the project a large community base even before the mainnet period, helping build long-term liquidity.

The 24-hour leaderboard adds another layer of activity. It rewards the top daily contributor with $500 in MUTM, encouraging daily engagement across the user base. Card payments are also available with no purchase limits, making the token accessible to new investors who prefer simpler entry methods without needing to use exchanges.

These features show that Mutuum Finance is focusing on community growth while preparing for its upcoming live testing cycle, a combination that often attracts early capital rotations.

Security has been a major talking point. Mutuum Finance completed its CertiK audit with a 90/100 Token Scan score, which is considered a strong early rating for a project still in development.

The team also confirmed that a stablecoin backed by protocol activity is planned in the roadmap. The stablecoin will be tied to interest flows rather than inflation, giving the platform another utility layer once borrowing volume increases. For investors following crypto predictions, this is a sign that the project is targeting a broader market beyond simple lending and borrowing.

Whale Allocation and Rising Urgency

Phase 6 is now over 97% completed, moving faster each week. Recently, a whale allocation of around $100K entered the project. Early investor sentiment indicates that large entries during the late stages of a presale can signal strong conviction from long-term holders. Many traders see whale activity as a sign that the token is gaining recognition before the next price step.

With the next phase set to raise the token price by nearly 20%, urgency among investors continues to grow. Those tracking crypto prices today and top cryptocurrencies emphasize that structured price increases often draw more attention as supply tightens.

Some analysts believe Mutuum Finance may enter Q1 2026 as one of the strongest early-stage DeFi plays based on liquidity growth, user expansion, whale interest and clear progress toward V1. Its combination of a dual lending system, mtToken yield, security audits and roadmap clarity positions MUTM as an emerging contender among best DeFi crypto discussions for the coming year.

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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