Cheapest crypto could 40x before BTC hits $140K: Experts rank this high ROI bet

History has shown that whenever Bitcoin (BTC) gears up for a new parabolic run, the rest of the market follows with amplified moves.

As crypto predictions now circle around the possibility of Bitcoin (BTC) testing the $140,000 level in its next major cycle, experts are turning their eyes toward projects that will not only ride the tide but multiply returns many times over.

Among the crowded field, Mutuum Finance (MUTM) is standing out as a rare case of a presale token whose structural design and growing demand mechanisms will make it the cheapest cryptocurrency with realistic chances of delivering 40x upside from its Phase 6 price of $0.035.

Unlike speculative tokens, Mutuum Finance (MUTM) has been architected around continuous demand creation. It’s $1 stablecoin, a novel mtToken staking system tied to designated smart contracts, and a buyback-and-distribute mechanism all point toward a compounding feedback loop.

This is not only a question of crypto prices reacting to hype but a disciplined structural model in which actual usage drives recurring token demand.

The timing is critical: as Bitcoin (BTC) pushes higher, liquidity will rotate into projects that deliver on utility, and Mutuum Finance (MUTM) is preparing to capture exactly that flow.

Mechanics that create real demand

The engine begins with Mutuum Finance (MUTM)’s peer-to-contract (P2C) and peer-to-peer (P2P) lending rails. These allow lenders and borrowers to interact without intermediaries while generating both interest income and system-level liquidity activity.

For example, in a P2C pool, a lender supplying $50,000 BUSD at 11% APY will earn $5,500 in year-one interest, which is tracked transparently through mtBUSD.

Borrowers retain exposure to their underlying assets while unlocking liquidity: a SOL holder who posts $20,000 as collateral at a 72% loan-to-value ratio will access $14,400 in working capital without selling their SOL. 

Even more niche cases fit into the P2P model, such as a lender offering 19% APY on a $3,000 TRUMP token loan for 20 days, with partial fills insulating against volatility.

These mechanics are not theoretical—they are the structural foundation of how Mutuum Finance (MUTM) will continuously generate fees and usage.

That activity will then fuel its $1 stablecoin mint-and-burn cycle, governed by protocol-set interest rates that adjust to maintain the peg.

The stablecoin is more than a digital dollar: it is a demand anchor, forcing constant interaction with the protocol. 

On top of this, mtTokens earned by lenders will be staked in designated smart contracts, allowing participants to earn MUTM rewards. Those rewards will be funded by the buyback

system, where revenue from lending markets is recycled into MUTM purchases on the open market, then redistributed to stakers.

This structural flywheel means that as adoption increases, demand for the token rises in lockstep.

It is exactly the type of design that analysts expect will thrive when investors ask what is going on with crypto today and look for projects beyond speculation.

Presale, roadmap, and price justification

The numbers already validate interest. In Presale Phase 6, tokens are priced at $0.035 with over $15.02 million raised and roughly 27% of supply sold.

More than 15,750 holders are already on board, while Phase 7 is lined up for a price jump to $0.040 — a 15% increase from the current tranche.

The supply ceiling is fixed at 4 billion tokens. Security and transparency have been front-loaded, with Mutuum Finance (MUTM) undergoing CertiK review (Token Scan score 95; Skynet score 78) and opening a $50,000 bug bounty program with tiered rewards. Alongside this, a $100,000 giveaway for ten winners will draw even broader participation.

Audit milestones are already scheduled (requested February 25, 2025, with revisions in May 2025), showing clear discipline before launch.

The roadmap reinforces that investors are buying into a disciplined timeline. Phase 1 has focused on presale and audits. Phase 2 will deliver core smart contract development and analytics.

Phase 3 will shift into beta, bug reporting, and listing preparation. Phase 4 will see the live platform launch, multi-chain integrations, and institutional partnerships. Importantly, the beta launch is expected to coincide with the live listing, meaning investors entering in presale will witness immediate utility from day one.

Final verdict

The price justification is straightforward. An investor who placed $10,000 in Phase 1 at $0.01 is already sitting at a value of $35,000 by Phase 6.

At listing, the $0.06 price would mark a 6x from the entry. More importantly, the structural roadmap shows how the path to $1.40 — a 40x return — is achievable.

With Bitcoin (BTC) climbing toward $140,000, institutional flows will push deeper into DeFi. Projects with a live beta, a governance-driven $1 stablecoin, and real yield through mtToken staking will be best positioned.

As lending revenue continues to fund buybacks, token demand will rise mechanically rather than speculatively.

Phase 6 is already 27% sold, and Phase 7 pricing will close the window with a higher entry point. The case for Mutuum Finance (MUTM) is not only about catching crypto prices at the right cycle but about securing exposure to one of the few presale projects designed for structural longevity.

The cheapest entry is today, and once Bitcoin (BTC) tests new highs, experts believe this will be remembered as the rare 40x play of the cycle.

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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