Best cheap crypto to buy now with 40x potential post listing
The hunt for the next breakout project never stops. Many investors keep looking for the cheapest cryptocurrency that can multiply in value after launch.
One project now catching strong attention is Mutuum Finance (MUTM).
It blends lending, borrowing, and staking in a simple yet powerful ecosystem designed for steady on-chain activity.
With a working dashboard, a live leaderboard, and growing user traction, Mutuum Finance (MUTM) is positioning itself as one of the most affordable crypto coins with the highest growth outlook of 2025.
Dual lending models powering real utility
Mutuum Finance (MUTM) is still in its presale stage and moving fast.
The total token supply is four billion. The current sale is in Phase 6, priced at $0.035 per token, with 68% of this round already sold.
The next phase will lift the price to $0.04, a 15% rise. So far, the project has raised about $17.5 million and gathered more than 17,400 holders.
Since the price may jump to $0.040 anytime, it is one of the most appealing entry points where smart investors are already taking up their positions.
The Mutuum Finance (MUTM) platform will feature two lending systems that work together to support demand and steady activity.
The first is the Peer-to-Contract (P2C) model. Here, lenders will deposit assets such as ETH, or DAI into audited smart contracts.
Each deposit will return mtTokens, which represent the lender’s share in the liquidity pool.
These mtTokens will automatically earn interest over time.
For example, a lender who supplies $15,000 USDT will receive about 15% annual yield, earning nearly $2,250 in a year.
The second model, Peer-to-Peer (P2P), will focus on tokens with higher volatility such as SHIB and DOGE.
This model will allow users to negotiate directly with one another, setting their own rates and loan durations.
It will offer higher returns for those ready to take on more market risk. Together, these two models will bring in both long-term and active users, keeping the ecosystem engaged and increasing demand for Mutuum Finance (MUTM) tokens.
The launch of lending and borrowing features will add strong practical value to the ecosystem, making it more appealing to new and existing users.
In the coming phase, users will be able to lend, borrow, and stake their assets in dedicated pools to earn consistent rewards.
As every such activity involves MUTM directly or indirectly, the growing utility is expected to increase demand and support a steady rise in the token’s market value.
Buy and distribute rewards system and Sepolia testnet
Mutuum Finance (MUTM) will also run a buy and distribute cycle that keeps rewards flowing back to its users.
The platform’s future revenue will be used to purchase MUTM tokens directly from the open market.
These tokens will then be distributed to users who stake their mtTokens.
This method will not only reward early supporters but also create a reason for long-term participation.
The more activity and lending that happens on the platform, the greater the reward pool becomes for those who continue to hold and stake.
The team announced on their official X account that the V1 version of the protocol is set to go live on the Sepolia Testnet by Q4 2025.
This update will bring essential features like a liquidity pool, mtToken, debt token, and a liquidator bot to keep the system efficient and secure.
At launch, users will be able to lend, borrow, and use ETH or USDT as collateral easily.
This early phase will let users explore how the platform functions before the full rollout.
By allowing real testing, Mutuum Finance (MUTM) aims to build user trust and excitement.
As more people join and confidence grows, the platform’s demand — and potentially the token’s value — is expected to rise.
This early usability sets it apart from most presale crypto coins that often launch without working products.
Early investment case
A clear example highlights how early investors are benefiting.
A user who swapped $2,000 worth of AVAX for Mutuum Finance (MUTM) tokens in Phase 1 at $0.01 received 200,000 tokens.
At the current presale price of $0.035, those tokens are now worth $7,000, a 250% gain.
Once the listing price reaches $0.06, the same investment will stand at $12,000 in value, which is 500%.
At a projected market value near $1.40, that portfolio will be worth $280,000, a 40X growth from the starting point.
The Mutuum Finance (MUTM) 24-Hrs leaderboard adds a fun, competitive edge to the community.
The top investor will win $500 worth of MUTM daily. The leaderboard resets automatically at 00:00 UTC each day.
This reward system encourages engagement and keeps users active within the app.
As more users join to compete, overall platform activity will grow, adding more strength to the entire ecosystem.
Protocol safety
To handle market volatility, Mutuum Finance (MUTM) will apply clear lending limits through Loan-to-Value ratios.
Safer assets such as ETH will maintain up to 75% LTV, while more volatile assets like meme coins will have lower limits around 44%.
These measures will help protect lenders, maintain liquidity, and keep the system secure even during price swings.
Phase 6 of the presale for Mutuum Finance (MUTM) is already 68% done, and the price will soon go up to $0.04.
Many crypto experts say that Mutuum Finance (MUTM) is one of the best cheap crypto projects to buy right now because it has a strong ecosystem, a rising user base, and a product that is ready for real usage in the future.
This project stands out as a major 40x challenger in the making as investors keep looking for cheap tokens with huge potential.
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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