Cheapest Cryptocurrency Below Expected to Before Mid-2026

Mutuum Finance (MUTM) is gaining strong attention in the crypto market. Many traders are now searching for the cheapest cryptocurrency below $1 that still offers real value and a working plan. As the market prepares for the next growth cycle, investors are watching projects with real use cases, strong demand, and clear development timelines. MUTM fits this category well, and the token is gathering momentum as it moves through its presale.

Catchy Presale Numbers

Right now, Mutuum Finance (MUTM) is in presale phase 6 at a price of $0.035. The presale has already generated around $19.41 million. More than 18,550 holders have joined so far, and 99% of the 170 million tokens in this phase are already sold. With a total supply of 4 billion MUTM, the project is shaping up to be one of the most attractive choices for anyone looking at a strategic crypto investment before the next market wave.

To understand the growth better, consider a simple example. Someone who swapped a part of their BTC, and ETH or similar assets into Mutuum Finance (MUTM) during phase 1 at $0.01 now sits at a price of $0.035 in phase 6. That is already 3.5X value in presale gains even before listing at $0.06. When comparing this to the title’s intent of a 3x rise before mid-2026, the projection looks strong, especially with the platform launch scheduled alongside the token listing. This example shows why many investors now see MUTM as a top crypto to watch.

Stronger Trust With Halborn Audit and Growing User Activity

Mutuum Finance (MUTM) will soon complete an audit by Halborn Security. This independent review is testing the smart contracts for bugs, logic mistakes, and any exploit risks. Since the codebase is already finalized, Halborn is now checking how it performs under real conditions. This will boost investor confidence because audited protocols are seen as safer and more reliable. It also helps support long-term growth, as users trust platforms that take security seriously.

Daily activity is also rising. The team recently upgraded the 24-hour leaderboard with a new incentive: the top user each day receives a reward of $500 MUTM as long as they complete at least one transaction within that 24-hour period. The leaderboard resets every day at 00:00 UTC. This pushes engagement higher and helps strengthen interest in the token.

The Lending Models That Will Drive Mutuum’s Long-Term Demand

Mutuum Finance (MUTM) plans to launch two lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). These systems will bring real use cases and attract users who want to lend, borrow, or stake their assets. This activity will bring continuous demand for MUTM.

In the P2C model, users will deposit stablecoins like USDT and also assets like ETH into audited smart contracts. These deposits will be used to supply liquidity for borrowers. Rates will adjust automatically based on pool usage, keeping the system healthy and efficient. Depositors will receive mtTokens that grow in value as interest builds. For example, someone who lends $15,000 in USDT will receive mtUSDT at a 1:1 ratio. With a 15% APY, they will earn $2,250 over a year. Borrowers can also keep their exposure to market growth by using their assets as collateral. For example, someone using $1,000 worth of ETH as collateral will borrow based on ETH’s assigned LTV ratio, allowing them to get liquidity without selling their assets.

In the P2P model, meme coins like SHIB and DOGE will stay in a separate environment where lenders and borrowers negotiate terms directly. There will be no shared pool, so lenders take more risk but will also have higher reward opportunities. This setup keeps the main pools safe but still opens earning potential for niche tokens.

All loans-across both models-will use overcollateralization. The Stability Factor will determine how secure a borrower’s collateral is. When the collateral drops below the required value, liquidation will begin. Liquidators will repurchase the debt at a discount to stabilize the system.

Mutuum Finance (MUTM) will also move toward its initial protocol launch with V1 on the Sepolia Testnet in Q4 2025. This test launch will include liquidity pools, mtTokens, Debt Tokens, and the Liquidator Bot. The first assets will be ETH and USDT to be used for lending, borrowing and as collateral.

The Buy-and-Distribute Engine and the Launch-Day Advantage

Mutuum Finance (MUTM) will use a buy-and-distribute model that supports steady price growth. A part of the revenue from lending and borrowing will be used to repurchase MUTM tokens. These tokens will then be distributed to mtToken stakers. As activity grows, more MUTM will be bought back and shared with users who stake. This creates natural buying pressure and encourages long-term participation instead of short-term trading.

This structure turns platform activity into real rewards for users. It also supports price strength over time, helping Mutuum Finance (MUTM) gain a stronger position among top crypto projects with real use cases and a working revenue model.

Mutuum Finance (MUTM) also has a clear advantage for launch day. The team has planned to release both the platform and the token at the same time. This synchronized launch means traders, lenders, and borrowers will have something to use immediately. Many presale projects deliver a token without a product. Mutuum Finance (MUTM) will launch with live lending modules. This will make it easier to attract attention from Tier-1 and Tier-2 exchanges because working platforms meet listing standards faster. Higher visibility often leads to higher trading volume, stronger demand, and better price performance from day one.

Managing market volatility and liquidity will also play a key role. The protocol will use different LTV ratios for stablecoins, ETH, and more volatile tokens. Lower-volatility assets will support higher LTVs, while smaller tokens will have stricter limits. This structure will help protect the system and keep collateral healthy even during price swings.

Final Verdict: A Limited-Time Chance Before the Next Price Jump

Mutuum Finance (MUTM) is shaping up to be the cheapest cryptocurrency below $1 with the strongest chance to 3x before mid-2026. With phase 6 already 99% sold out, investors are moving fast because the next price increase is close. The price will rise from $0.035 to $0.040 in phase 7, which is a 15% jump. This is the last moment to secure MUTM at the current discounted price before it becomes more expensive in the next phase.

With real use cases, strong demand drivers, an active community, a working development roadmap, and an audit underway, Mutuum Finance (MUTM) is becoming an attractive crypto investment. Many early buyers already gained value from phase 1 to phase 6, and interest is still rising as the project moves closer to its listing at $0.06. For anyone looking to enter a promising project with real utility and long-term strength, this is the time to act before the window closes.

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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