A fast-moving altcoin priced under $0.04 is drawing growing attention as it gains momentum across the market. The token has already surged 2.5x, and activity around the project continues to rise as it nears a key funding milestone. With Phase 6 now at 98%, many traders watching top crypto opportunities say demand may be entering its peak stage. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is building a decentralized lending ecosystem designed to support real borrowing and lending activity on-chain. Users can supply assets such as ETH or USDT and receive mtTokens. Mutuum Finance (MUTM) Mutuum Finance (MUTM) These mtTokens increase in value as borrowers repay interest, creating yield tied to actual protocol activity. For example, if someone supplies liquidity, their mtTokens automatically grow as more borrowing takes place. Borrowers interact with flexible interest rates shaped by liquidity conditions. When liquidity is high, borrowing is cheaper. When liquidity becomes tighter, borrowing costs rise. Loan-to-value rules help maintain stability, and liquidations occur only when collateral falls below safe levels. This design helps the system operate efficiently and reduces risk for users. Mutuum Finance confirmed on its official X account that its V1 testnet will launch in Q4 2025 on the Sepolia network. This early release will include the liquidity pool, mtTokens, a liquidator bot, and a debt-tracking system. ETH and USDT will be supported at launch. Halborn Security is reviewing the smart contracts to prepare the system for testing. confirmed on its official X confirmed on its official X Halborn Security Halborn Security Why Funding and Holder Growth Matter Mutuum Finance has now raised $19.1 million. For a token still under $0.04, this level of early demand is notable. The project has also attracted over 18,300 investors, reflecting participation from a broad and expanding community. Analysts say high early engagement is often a strong indicator of long-term interest. When the token launched in early 2025, it was priced at $0.01. The current price of $0.035 represents a 250% increase. This steady appreciation before the platform’s first public release suggests growing confidence in the roadmap and development progress. A token that increases 2.5x during development often reflects strong belief in future utility, and this pattern is becoming more visible as Mutuum Finance approaches its next major milestone. Token Distribution and Community Activity Mutuum Finance has a total supply of 4 billion MUTM tokens. Out of this supply, 1.82 billion tokens were allocated for early supporters. This represents 45.5% of the entire supply. According to the project’s data, over 810 million tokens have already been acquired by users. The large allocation to the community helps reduce concentrated ownership and encourages broader participation. Community tools such as the 24-hour leaderboard also help sustain activity. The leaderboard rewards the top contributor each day with $500 in MUTM, increasing engagement and supporting daily interaction. Additionally, Mutuum Finance supports card payments, making the token more accessible to newcomers who prefer fast and simple onboarding without multiple blockchain steps. These combined factors have contributed to fast holder growth and rising treasury inflow. CertiK Audit, Stablecoin System, and Technical Strength Security is one of the central pillars of the Mutuum Finance roadmap. The project completed a CertiK audit and received a 90/100 Token Scan score, placing it among the stronger-rated DeFi projects at this stage. Halborn Security is conducting a full contract review to strengthen the protocol ahead of the V1 release. Mutuum Finance is also preparing a USD-pegged stablecoin that will be minted and burned based on demand. The stablecoin will be backed by borrower interest, which helps support its value and provide deeper liquidity. Analysts say stablecoins often play a major role in the growth of lending platforms, making this feature an important long-term component. The project will use Chainlink feeds, fallback oracles, aggregated pricing, and decentralized exchange data to ensure accurate asset valuations. These layers help protect users from incorrect liquidation events and maintain system reliability during high volatility. Phase 6 Selling Out Fast and the Role of Whale Activity Phase 6 is now at 98% allocation, and only a small amount of MUTM remains at the current price. Late-stage phases usually accelerate as buyers move quickly to secure the remaining supply before the next price increase. Mutuum Finance recently recorded a $100,000 whale allocation within a single day. Large purchases like this tend to increase visibility and bring more attention from retail buyers. When whales participate late in a phase, many traders interpret it as a sign of rising confidence in the project’s direction. This whale activity helped push Phase 6 into its final stretch, and the remaining supply has been decreasing faster over the past several days. Mutuum Finance has quickly positioned itself as one of the most active new crypto projects of the year. With its dual lending system, mtToken yield, V1 launch, stablecoin development, audited smart contracts, and rising community engagement, the project continues to attract attention from both retail buyers and larger investors. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com https://www.mutuum.com https://www.mutuum.com Linktree: <https://linktr.ee/mutuumfinance](https://linktr.ee/mutuumfinance) <https://linktr.ee/mutuumfinance](https://linktr.ee/mutuumfinance) This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision. This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision. This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision. Program Program

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Mutuum Finance (MUTM) Rockets 2.5x Toward $20M, Phase 6 at 98%

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