Which crypto could deliver at least 10x by mid-2026?

The race for the next 10x crypto is heating up. Every year, new crypto coins enter the market promising strong growth, but only a few actually deliver real utility.

As 2025 moves ahead, one project gaining clear momentum is Mutuum Finance (MUTM). While many tokens rely only on hype, Mutuum Finance (MUTM) stands out for its 24-hrs live leaderboard, active dashboard, and a real use case built around decentralized lending. Many early investors believe it could be one of the best crypto projects to watch closely for the coming year.

The 24-hour leaderboard has received a new feature offering daily rewards. Each day, the user who ranks first will be granted a $500 MUTM bonus, provided they complete at least one transaction within the 24-hour window. The leaderboard automatically refreshes at 00:00 UTC every day.

Strong presale performance shows early momentum

Mutuum Finance (MUTM) is still in its presale stage but is already showing powerful traction. The project has a total supply of 4 billion MUTM tokens, and its ongoing Phase 6 is priced at $0.035. Out of the 170 million tokens in this phase, nearly 72% are already sold, showing high investor interest.

So far, the presale has raised around $17.68 million and attracted more than 17,400 holders. The upcoming Phase 7 is set at $0.04, marking a 15% increase from the current level. This clear progression and rising interest position Mutuum Finance (MUTM) among the most active new crypto launches of 2025.

The early presale buyers have already enjoyed strong gains. From Phase 1 at $0.01 to Phase 6 at $0.035, the price has risen 3.5x. An investor who bought $10,000 worth of MUTM in Phase 1 now holds over $35,000 in value.

When the price reaches $0.06 during the later presale phases, that same investment will grow to more than $600,000 by mid-2026. With each phase, the entry price rises, and so does investor excitement.

Lending model that drives real token demand

One major reason Mutuum Finance (MUTM) stands out from other crypto coins is its dual lending model. The platform will feature both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) systems, each designed to grow organic demand for MUTM tokens.

In the P2C system, lenders will add assets like BTC, ETH, or USDT into smart contracts to supply liquidity. For example, someone lending $10,000 in BTC will receive mtBTC at a 1:1 ratio. With average returns around 18% yearly, that same lender will earn $1,800 in passive income. The mtBTC tokens will also be reusable as collateral, giving users more flexibility inside the ecosystem.

Borrowers, on the other hand, can post assets such as SOL or ETH as collateral and borrow up to 70% of the value without needing to sell their tokens. This means they stay invested while accessing liquidity when they need it.

For traders seeking higher yields, Mutuum’s P2P system will support less-liquid assets like DOGE, SHIB, and other community tokens. Lenders and borrowers will be able to negotiate loan rates directly, creating a more open and rewarding market for both sides. These features will keep the lending ecosystem active, which in turn increases the overall demand for MUTM tokens.

The addition of lending and borrowing mechanisms introduces real utility to the platform, helping it attract a larger and more active user community. In the coming phase, users will be able to lend, borrow, and stake their assets in specific pools to earn steady returns.

Since these activities directly utilize MUTM, the expanding demand from platform engagement is expected to play a major role in increasing the token’s overall market value.

Smart rewards and buy-and-distribute system

Mutuum Finance (MUTM) has another strong value driver that will attract more users once the full platform launches — its buy-and-distribute model. In this setup, all revenue generated by the protocol will be used to buy MUTM tokens from the open market.

These purchased tokens will then be distributed as rewards to mtToken stakers. This creates a continuous cycle where platform activity directly rewards loyal participants.

Users staking their mtTokens will receive MUTM as rewards, making staking both simple and rewarding. Since all revenue is recycled back into token rewards, the project keeps its ecosystem active while rewarding those who support it.

This clear economic loop sets Mutuum apart from most new crypto projects that rely only on speculation eventually helping in MUTM’s price appreciation.

Platform launch and exchange potential

Mutuum Finance (MUTM) is currently preparing for its Version 1 launch on Sepolia Testnet in Q4 2025, starting with ETH and USDT as lending/borrowing and collateral. The mainnet launch is expected to follow, and there’s a strong chance that this could happen alongside the token’s first exchange listing.

Once trading and staking go live together, MUTM will gain exposure to a broader market, helping it achieve strong liquidity from day one, ultimately increasing its demand and driving the price up.

The project also includes advanced features like LTV controls and automated liquidations to safeguard user funds. For example, ETH loans will maintain up to 75% loan-to-value ratios, with liquidations kicking in around 80%.

Reserve factors ranging between 10% and 44% will help maintain stability and solvency even in volatile markets.

Final word

Mutuum Finance (MUTM) is shaping up to be one of the best crypto projects of 2025. With its growing presale success, powerful lending model, and a smart reward system, the token is gaining real momentum.

Phase 6 is already 72% complete at $0.035, and once Phase 7 opens at $0.04, the entry price will climb another 15%. Every phase passed means a higher price for new investors.

With its steady progress and a clear path toward full launch, Mutuum Finance (MUTM) is not just another new crypto — it is a project built with purpose and designed for lasting demand. The next 10x opportunity could already be taking shape, and this time, it has real numbers to back it up.

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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