Every crypto cycle revives the same question: what’s the best crypto coin to buy right now? Some look to Bitcoin for stability, others to Ethereum for its ecosystem strength, but neither can realistically deliver 100x returns from their current valuations. That’s why investors are once again chasing early-stage tokens with low prices and massive upside potential.
This time, attention is turning to Mutuum Finance (MUTM), a DeFi token priced at just $0.035, already delivering triple-digit gains for its earliest backers. Analysts suggest it could be the cheapest cryptocurrency in 2025 with genuine 100x potential.
Why Investors Are Chasing Cheap Cryptos
The appeal of cheap cryptocurrencies is simple: small numbers multiply faster. Investors know that a token priced at fractions of a cent or just a few cents looks like it has more room to run than one already worth thousands of dollars.
History proves this psychology right. Shiba Inu (SHIB) famously turned a few hundred dollars into millions for early adopters when it surged from microscopic prices to all-time highs. Dogecoin (DOGE), originally written off as a joke, delivered thousands of percent gains once Elon Musk and online communities rallied behind it.
The pattern is clear: cheap cryptos give retail investors a shot at life-changing gains that blue-chip tokens simply can’t match anymore. But there’s a catch—most “cheap” tokens don’t sustain their growth.
Here’s the problem: the majority of low-cost tokens crash because they lack utility and mechanics to support long-term demand. Meme coins are the most obvious example. They pump hard on community energy, then fade when excitement cools. Without a business model or built-in tokenomics, their price movements are entirely sentiment-driven.
Investors who buy in late often end up holding the bag. Even those who make quick profits find the gains difficult to repeat because the coins don’t attract sustained adoption. That’s why many traders today are searching for something different: a cheap crypto with real mechanics and a clear roadmap.
Mutuum Finance (MUTM)
This is where Mutuum Finance (MUTM) stands out. Unlike meme-driven tokens, MUTM is built as a decentralized lending and borrowing protocol that connects lenders and borrowers through peer-to-contract (P2C) and peer-to-peer (P2P) models:
Peer-to-Contract (P2C): Users supply assets into liquidity pools managed by smart contracts. Borrowers can instantly access capital from these pools without waiting for a direct match.
Interest rates adjust automatically based on supply and demand, lower when liquidity is abundant, higher when it’s scarce. Lenders receive mtTokens representing their deposits, which accrue value over time and can be staked for extra rewards.
Peer-to-Peer (P2P): Lenders and borrowers connect directly for custom loan agreements. Borrowers may negotiate terms such as interest rates or collateral requirements. This model allows greater flexibility compared to pooled lending, especially for larger or specialized transactions. Still secured by smart contracts, ensuring transparency and reducing counterparty risk.
The presale numbers show investors recognize the difference. Over $15.6 million has already been raised, with more than 16,200 holders participating. Early entrants at $0.01 are sitting on 350% gains, while today’s buyers at $0.035 are still positioned for around 95% upside at the $0.06 launch price. And with the beta platform launching on day one, exchange listings are expected to accelerate demand further.
Price Example Showing the 100x Pathway
Let’s put the numbers into perspective with a simple investment example. An allocation of $850 at today’s presale price of $0.035 would secure roughly 24,300 MUTM tokens. By the time the token reaches its confirmed launch price of $0.06, that position would already be worth around $1,500, representing a near 95% gain. When MUTM climbs to $0.40 in the months after launch, the value of that stake would rise to almost $9,700. Looking further ahead, at a long-term target of $1.75, the same $850 investment could exceed $42,500.
This is the type of asymmetric upside that excites investors — the downside is limited by a low entry cost, while the upside stretches into life-changing territory if adoption plays out as planned.
Urgency and Low Entry Cost
The crypto market is crowded with tokens promising the moon, but only a handful combine low cost, strong mechanics, and a credible roadmap. Mutuum Finance (MUTM) checks all of those boxes. It’s still in presale at $0.035, it’s delivering real DeFi functionality, and it’s launching with a working beta platform—a rare combination in the space.
On top of its utility, MUTM is building trust through security and transparency. The project recently completed a CertiK audit with a 90/100 token scan score, placing it among the top tier of audited DeFi protocols. To further safeguard the ecosystem, a $50,000 bug bounty program is active, with tiered rewards encouraging independent developers to identify and report vulnerabilities. The roadmap also emphasizes robust oracle infrastructure, relying on Chainlink price feeds with fallback and aggregated sources to ensure fair and tamper-resistant asset pricing.
With its presale selling out stage by stage, the window for cheap entries is closing quickly. For investors asking what’s the best crypto coin to buy now? Analysts argue that MUTM may well be the cheapest cryptocurrency with 100x potential in 2025, backed not just by growth mechanics, but by the security framework to sustain them long term.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance