$0.035 Crypto Surges 250% in Q4 with 97% Allocation Phase

The Rise of a New Cryptocurrency in Q4

A new cryptocurrency priced at $0.035 is making waves in the fourth quarter as traders look for high-potential altcoins ahead of 2026. This token has already seen a remarkable 250% increase, and with 97% of its Phase 6 allocation gone, interest has surged faster than anticipated. Many investors tracking early-cycle opportunities believe the project has entered one of the most active phases of its timeline, and the demand spike has brought it into the spotlight earlier than expected.

What Mutuum Finance Is Building

Mutuum Finance (MUTM) is developing a decentralized lending protocol designed to support real-world usage rather than speculative trading. The system enables users to lend assets such as ETH or USDT. When users lend, they receive mtTokens, which increase in value as borrowers repay interest. These gains are driven by protocol activity, ensuring that returns reflect genuine adoption.

Borrowers interact with dynamic rates that adjust based on liquidity. When liquidity is high, borrowing costs remain low. However, when liquidity tightens, borrowing becomes more expensive. Loan-to-value rules help set borrowing limits and protect users from holding unsafe positions. If collateral values drop too far, liquidations occur, where liquidators buy part of the collateral at a discount and repay some debt. This process ensures the system remains stable during price fluctuations.

Mutuum Finance also plans to introduce a mechanism where a portion of platform revenue is used to buy MUTM directly from the market. These purchased tokens will be distributed to users who stake mtTokens in the safety module. This creates steady buy pressure and supports long-term demand as the protocol expands.

Strong Funding and Rapid Community Growth

Mutuum Finance has seen strong early participation, raising $19.2 million and now having over 18,400 holders. These figures indicate consistent global demand. More than 810 million tokens have been purchased so far, showing growing trust in the project.

The token started at $0.01 in early 2025 and now trades at $0.035, marking a 250% increase. This growth occurred before the first public release of the protocol, demonstrating strong belief in the project’s direction. The official launch price is set at $0.06, meaning early users are already ahead of the next pricing level.

Out of the full 4 billion MUTM supply, 1.82 billion tokens were allocated for the presale. With Phase 6 now at 97%, only a small amount of supply remains at the current price. The pace at which remaining tokens disappear has increased significantly in the past week.

Why Traders Are Watching the mtToken System

mtTokens are one of the main features attracting users. When users lend assets, they receive mtTokens that increase in value as interest flows back into the system. The design rewards long-term participation and aligns incentives between lenders and borrowers.

Unlike fixed-rate lending platforms, Mutuum Finance uses a model where returns come from actual activity. The mtToken gains increase with higher borrowing demand, making the system more flexible and helping the protocol scale efficiently.

The buy-and-distribute model adds another layer of value. Since part of the protocol’s revenue is used to buy MUTM directly from the market, demand increases as the platform grows. Users staking mtTokens in the safety module are rewarded with purchased tokens, encouraging long-term engagement. These two features combined make Mutuum Finance an early standout in the DeFi crypto category.

V1 Testnet Coming Soon

One of the most important updates came from Mutuum Finance’s official X account. The team confirmed that the V1 testnet will launch in Q4 2025. It will run on the Sepolia network and include the liquidity pool, mtTokens, debt tracking, and the liquidator bot. ETH and USDT will be the initial supported assets.

This announcement created a second wave of interest, as many early investors prefer to see functional features before launch. With V1 coming soon, buyers expect more technical updates in the coming months.

Mutuum Finance has placed a strong focus on security. The project completed a full CertiK audit and received a 90/100 Token Scan score. A second independent review is in progress with Halborn Security. The team also operates a $50,000 bug bounty that encourages developers to test the protocol ahead of its testnet. Security is a major factor for lending protocols. The combination of audits, bug bounties, and external reviews shows the team’s dedication to ensuring reliability before mainnet.

The Role of Community Activity

Community participation continues to rise thanks to Mutuum Finance’s daily 24-hour leaderboard. Each day, the top contributor receives $500 in MUTM, which brings consistent engagement and increases visibility.

The project also supports card payments, allowing new users to participate without needing multiple wallet steps. This has helped expand its user base and increase overall accessibility.

Phase 6 is now at 97%, and the remaining allocation is shrinking quickly. Late stages tend to move faster because buyers want to secure tokens before the next crypto price change. Over the past week, several large entries helped accelerate remaining supply. One notable transaction was a $100,000 whale allocation, which pushed community attention even higher.

These late-stage purchases often signal increased confidence from high-value buyers. As remaining supply grows smaller, retail participants tend to follow, creating faster movement during the final days of a phase.

For more information about Mutuum Finance (MUTM), visit the links below:

Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance