The most interesting price discussions usually start before the crowd notices. When analysts begin modeling large upside scenarios while a token is still priced under $0.04, it often signals that timing, structure, and demand are lining up. As Phase 6 crosses the 99% mark, this $0.035 new altcoin is entering that zone. For investors asking what crypto to buy now before the next cycle gains pace, this setup is drawing growing attention. At the center of these models is Mutuum Finance, a DeFi crypto that has been building quietly while its presale advances step by step. Lending Mechanics and Presale Demand Are Intersecting Mutuum Finance (MUTM) is developing around two lending models that work together. Peer to contract lending allows users to supply assets into liquidity pools and earn yield. Interest rates adjust based on utilization, which helps balance supply and demand. When liquidity is high, borrowing becomes cheaper. When liquidity tightens, rates rise and attract more deposits. Peer to peer lending offers another layer. Borrowers can take loans directly against collateral under defined rules. Loan to value ratios are set based on asset risk. Lower volatility assets can support higher LTV levels, while more volatile tokens are capped lower. If collateral value drops too far, liquidations occur to protect the system. This structure is familiar to analysts who follow DeFi closely. Alongside these mechanics, presale demand has continued to build. The current token price is $0.035, and Phase 6 is now over 99% allocated. Mutuum Finance has raised $19.45M, attracted 18,650 holders, and sold 825M tokens so far. Out of a fixed 4B total supply, 45.5% is allocated to the presale, equal to roughly 1.82B tokens. The price has already moved from $0.01 in Phase 1 to $0.035 today, marking a 250% increase during the presale period alone. The official launch price is set at $0.06, which shapes many of the current price discussions. V1 Launch Progress and Analyst Price Outlook Development milestones are another reason analysts are paying attention. According to official statements shared on X , V1 of the Mutuum Finance lending and borrowing protocol is planned for the Sepolia testnet in Q4 2025. Core components include liquidity pools, mtTokens, debt tokens, and an automated liquidator bot. Initial supported assets will be ETH and USDT. Security has also been addressed early. Mutuum Finance has completed a CertiK audit with a 90/100 token scan score. In addition, an independent audit with Halborn Security is currently in progress, reviewing finalized contracts. A $50k bug bounty has been allocated specifically for code vulnerabilities. Some analysts believe that having a live beta close to launch can significantly affect visibility. Market commentators suggest that projects launching with working infrastructure often attract exchange interest more quickly. In a bullish scenario, projections show that this visibility could help the token move beyond the $0.06 launch price, supporting a 200% to 300% increase from current levels shortly after launch. mtTokens and Oracle Infrastructure mtTokens are central to how Mutuum Finance links usage to value. When users supply assets, they receive mtTokens that increase in value as interest accrues. The yield is automatic and reflected directly in the token balance. For example, supplying $12,000 worth of USDC into a pool earning 8% APY would gradually increase the value of the mtTokens held. Another key element is the buy-and-distribute model. A portion of protocol fees is used to purchase MUTM on the open market. Those tokens are then redistributed to users who stake mtTokens in the safety module. Some analysts believe this creates sustained buying pressure over time, since higher platform usage leads directly to more token purchases. Reliable pricing is supported through robust oracle infrastructure. The protocol design anticipates decentralized price feeds such as Chainlink, along with fallback and aggregated sources. Accurate pricing is essential for collateral valuation and liquidations, especially during volatile periods. In a bullish scenario, analysts model that combining yield generation, fee-driven token buying, and reliable oracle data could support a 500% to 700% increase over a longer time frame if adoption grows steadily. Why Analysts Compare MUTM to Early Aave One comparison that continues to surface is with early Aave. Before Aave became a large-cap DeFi name, it focused on core lending functionality, clear risk parameters, and gradual adoption. It did not rely on short-term narratives. Analysts often point out that Mutuum Finance is following a similar path. The protocol is centered on making capital productive through lending and borrowing. It uses utilization-based rates, defined LTV limits, and liquidation incentives that protect solvency. These are the same building blocks that helped earlier DeFi leaders scale responsibly. What Mutuum Finance is trying to build is not a one-feature platform. It aims to create a full lending environment where users can earn yield, borrow efficiently, and interact with a stablecoin backed by multiple assets in the future. This broader vision is why some market commentators believe the project has room to grow beyond its initial launch phase. Why the 700% Scenario Is Being Discussed The 700% scenario referenced by analysts is not framed as a guarantee. It is a model based on several factors aligning. A current price of $0.035. A launch price of $0.06. A presale phase nearing completion. A V1 protocol going live. A token model that links usage to buying activity. Early investor sentiment indicates that when these elements converge, price discovery can accelerate. Analysts who accurately tracked early DeFi growth cycles often look for these same patterns. That is why Mutuum Finance is increasingly mentioned in discussions about the best cryptocurrency to invest in today among new altcoins. As Phase 6 crosses 99%, Mutuum Finance is entering a transition point. Presale supply is tightening, development milestones are approaching, and analysts are actively modeling upside scenarios. As long as execution continues as outlined, many believe this could be one of the DeFi crypto stories that unfolds over the next cycle rather than peaking before it begins. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance
