The phrase next crypto to hit $1 gets used a lot, but analysts usually reserve it for projects that combine two things at the same time: a low starting price and a clear path to real usage. That’s why Mutuum Finance (MUTM) keeps appearing in best crypto to buy now conversations going into 2026. The token is still in presale at $0.04, while the project is building toward a launch structure designed to bring the platform online alongside wider trading.
Why Analysts Keep Pointing To MUTM
Mutuum Finance is structured around lending and borrowing, two of the most common DeFi activities in every strong cycle. The goal is simple: let users earn yield when they supply assets, and let borrowers unlock liquidity without selling core holdings.
It does this through two market styles. P2C pooled markets are built for straightforward supply-and-borrow activity using shared liquidity pools. P2P markets are designed for users who want flexible terms, where lenders and borrowers can set the rate and duration directly. That flexibility also opens the door for lending and borrowing on higher-volatility assets, including meme coins such as SHIB, DOGE, or PEPE, under customized agreements.
Passive Income
Mutuum Finance is designed to make yield generation feel practical instead of complicated. On the lending side, a user supplies assets into a P2C pool and earns interest that adjusts with demand.
Lending $25,000 in USDT at an average 13% APY earns about $3,250 over a year. Depositors receive mtTokens as proof of their position—so depositing USDT mints mtUSDT at a 1:1 nominal ratio. As interest accrues, the redeemable value of that mtToken position increases, reflecting the yield earned.
For users who want MUTM-based rewards, mtTokens can be staked. The project’s buy-and-distribute approach is designed so a portion of protocol revenue buys MUTM on the open market and distributes it to mtToken stakers, linking token demand to platform activity over time.
Liquidity Without Selling
On the borrowing side, the idea is to keep exposure to an asset while still accessing funds. If someone deposits $4,000 worth of ETH as collateral and the Loan-to-Value (LTV) is 75%, that position could support borrowing up to around $3,000. The benefit is straightforward: the ETH stays held in place, so if ETH rises later, the holder still benefits from that upside, while the borrowed funds can be used for other opportunities or expenses.
That combination—earning yield on supplied assets and borrowing without selling—creates the kind of utility that can stay relevant across different market conditions, not just during a single hype window.
Presale Progress And Why The Price Still Looks Early
MUTM remains in presale at $0.04, with a confirmed $0.06 launch price. The presale has raised about $19.8M and crossed roughly 18,800 holders, showing broad participation before open-market trading begins.
The pricing path is also clear. MUTM started at $0.01 in Phase 1 and has moved up through the presale structure to the current phase. Even after that climb, the token is still priced below the planned $0.06 market debut, which keeps the current level viewed as discounted while access is still presale-based.
The 2026 $1 Case And What It Means For Investors
The $1 scenario analysts discuss often comes down to launch structure and expanding utility. The roadmap direction points to the token debuting alongside the platform, so wider trading begins with a working product already available. That can strengthen early demand because attention doesn’t rely only on price movement—users have a protocol they can actually use immediately.
When MUTM reaches $1 in 2026, the move from $0.04 to $1.00 equals +2,400%. For a straightforward investment example, a $2,000 allocation at $0.04 scaling to $1.00 becomes $50,000, producing about $48,000 in profit.
V1 Protocol And Major Audits
Progress updates have been consistent. The team has stated that V1 is preparing to launch soon on the Sepolia testnet, starting with ETH and USDT for lending, borrowing, and collateral, so users can test core mechanics in a live environment before broader rollout.
Security milestones are also part of why confidence has been building. Mutuum Finance has highlighted a prior CertiK review for the token with a reported strong score, and the team has confirmed HalbornSecurity completed the independent audit of the V1 lending and borrowing protocol.
Longer-Term Utility That Supports The $1 Discussion
Beyond launch, the roadmap points to utility additions that can keep users engaged. The plan includes an overcollateralized stablecoin minted against collateral inside the protocol, and multi-chain expansion to broaden access across ecosystems. As these features roll out, they can increase platform activity and strengthen the conditions analysts connect with MUTM pushing toward $1 in 2026.
Mutuum Finance (MUTM) is being discussed as a next crypto to hit $1 candidate because it combines early pricing with a clear utility path. It’s still in presale at $0.04, backed by strong early participation ($19.8M raised and 18,800 holders), and built around real DeFi actions through P2C pooled markets and flexible P2P terms.
With the platform expected to enter wider visibility alongside the token’s market debut, and with longer-term utility expansions like a stablecoin and multi-chain rollout on the roadmap, MUTM remains one of the new cryptocurrency projects analysts are watching most closely for a $1 move in 2026.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: The statements, views and opinions expressed in this article are solely those of the content provider and do not necessarily represent those of Crypto Reporter. Crypto Reporter is not responsible for the trustworthiness, quality, accuracy of any materials in this article. This article is provided for educational purposes only. Crypto Reporter is not responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services mentioned in this article. Do your research and invest at your own risk.