Every cycle has a moment when attention shifts fast. It usually starts quietly. Large caps stall, familiar names lose momentum, and investors begin scanning for projects that are still early but clearly active. When that scan keeps returning the same name, momentum builds quickly. That is what appears to be happening in Q4 2025. One Ethereum-based DeFi project is starting to dominate conversations among traders looking for the best crypto to buy now. The reason is not noise or sudden hype. It is timing, structure, and a launch window that is getting closer. Why Mutuum Finance (MUTM) Stands Out Mutuum Finance is developing a decentralized lending and borrowing protocol with two distinct markets designed for different users. The first is the peer-to-contract model. In this setup, users supply assets into liquidity pools. In return, they receive mtTokens, which represent their share of the pool. These mtTokens grow in value over time as borrowers pay interest. For example, if a user supplies ETH into the protocol, their mtTokens reflect both their original deposit and the yield generated by lending activity. This model suits users who want passive exposure to lending demand. The second market is peer-to-peer borrowing. Here, borrowers interact more directly, with rates shaped by market conditions. Borrowers can access variable rates that change with utilization, or stable rates in certain conditions for more predictable repayment. Loan-to-Value limits cap how much can be borrowed against collateral, and liquidation rules protect the system if prices move sharply. This structure matters because it supports real use. It allows capital to move based on demand rather than speculation. That is why the numbers around Mutuum Finance are drawing attention. The project has raised $19.4M so far and now counts more than 18,500 holders. Those figures suggest broad participation before the protocol even goes live. According to official statements from the Mutuum Finance (MUTM) team on X, V1 of the lending and borrowing protocol is scheduled for the Sepolia testnet in Q4 2025. Core components include liquidity pools, mtTokens, debt tokens, and a liquidator bot. ETH and USDT will be the first supported assets. For many investors, this milestone marks the point where development becomes public. Why Timing Is Critical MUTM is currently priced at $0.035, placing it firmly in the category of potential best cryptocurrency under $0.05. The total supply of MUTM is capped at 4B tokens. A defined portion of this supply has been allocated to early distribution, with 820M tokens already sold. Since early 2025, the token has moved through structured stages with rising prices. MUTM started at $0.01 in Phase 1 and reached $0.035 by Phase 6. That represents a 250% increase before launch. Phase 1 participants are positioned for up to 500% MUTM growth relative to the official launch price of $0.06. Phase progression is crucial here. Each completed phase reduces the number of tokens available at lower prices. Phase 6 is now more than 99% allocated, and the next phase is expected to raise the MUTM price by nearly 20%. This matters for early participants because price exposure tightens as access shifts upward. Market commentators suggest that this kind of staged pricing often changes behavior near the later phases. Investors move from watching to positioning, especially when a launch window is approaching. Security Reviews and Why They Matter Before Launch Lending protocols require trust in code and execution. Mutuum Finance has taken visible steps to address this. The project completed a CertiK Token Scan with a 90/100 score, which helps establish baseline confidence around the token structure. Beyond that, an independent audit by Halborn Security is currently in progress. Halborn is reviewing Mutuum’s finalized lending and borrowing contracts under formal analysis. This audit focuses on the core mechanics that will power V1, including borrowing logic and liquidation processes. Mutuum Finance has also launched a $50k bug bounty aimed specifically at identifying code vulnerabilities. These layers matter because they reduce uncertainty before public testing. Industry speculation points to audits and bug bounties as common signals that a project is preparing for wider use. Positioning Ahead of Q1 2026 Mutuum Finance is built on Ethereum, which gives it access to deep liquidity and established infrastructure. As the roadmap extends beyond V1, plans include stablecoin development backed by borrower interest, robust oracle systems using Chainlink data feeds, and potential layer-2 expansion to reduce costs and improve speed. These elements position Mutuum Finance as more than a short-term trade. They support a broader thesis around usage-driven growth. In a bullish scenario, projections show that if adoption accelerates after launch, MUTM could see token appreciation in the 400–450% range from current levels. Some analysts believe longer-term outcomes could be higher if lending activity scales into 2026. Mutuum Finance (MUTM) combines early-stage pricing, visible development, and an approaching launch window. That combination is why, in Q4 2025, this $0.035 altcoin is starting to dominate investor attention. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses. The post The Breakout $0.035 Altcoin Dominating Q4 2025, Top Crypto Investors Rush Before V1 Launch appeared first on Times Tabloid .
