With the crypto market still trading below previous highs, many investors are asking a familiar question: where is the best opportunity before the next major move begins? Historically, periods of muted prices have rewarded those who focus on early-stage projects showing real progress rather than short-term hype. One name increasingly coming up in these discussions is Mutuum Finance (MUTM), a new DeFi project that is still in presale while actively delivering on development.

Why MUTM Is Still Considered Undervalued

Mutuum Finance is currently in Phase 7 of its presale, with the MUTM token priced at $0.04, compared to a confirmed $0.06 launch price. Since the presale began at $0.01, the token price has increased in structured steps tied to development milestones rather than speculation. At today’s level, MUTM is already up 300% from its starting price, yet it remains 50% below its launch valuation.

The presale has raised over $20.43 million, drawing participation from a growing number of holders and signaling sustained demand. Analysts often point out that this combination—strong fundraising, disciplined price progression, and a clear launch price—creates a window where tokens are still considered discounted relative to their initial market entry.

Analyst Price Outlook and Upside Potential

Some analysts are projecting that MUTM could reach $0.35 shortly after launch, driven by a mix of early adoption, development delivery, and potential exchange exposure. From the current presale price of $0.04, a move to $0.35 would represent an increase of approximately 775%.

These projections are largely based on execution rather than narrative alone. Mutuum Finance has already launched its V1 lending and borrowing protocol on the Sepolia testnet, allowing users to test core functionality ahead of mainnet. In addition, the project has completed security audits and continues to roll out updates, which analysts see as key factors in reducing execution risk.

Some market observers also suggest there is a high possibility of listings on major exchanges after launch, as platforms often prioritize projects that demonstrate live infrastructure, audited contracts, and sustained investor demand. Exchange exposure, if it materializes, has historically been a catalyst for increased liquidity and price discovery in the early post-launch phase.

To put the potential upside into perspective, a $2,000 investment at the current $0.04 price would secure 50,000 MUTM tokens. When the token were to reach the $0.35 level discussed by analysts, that position would be valued at $17,500, representing a gain of $15,500 before fees and market considerations.

How Mutuum Finance Works

At its core, Mutuum Finance is designed to generate real utility through decentralized lending and borrowing. Users who supply assets receive mtTokens, which represent their deposit positions and automatically accrue yield over time. These mtTokens can be staked, making holders eligible for dividends paid in MUTM tokens through a buy-and-distribute mechanism funded by protocol revenue.

Borrowers, meanwhile, can unlock liquidity by providing overcollateralized positions rather than selling their assets. This structure allows users to access capital while maintaining exposure to their holdings, a model widely used across DeFi but refined in Mutuum Finance through automated risk controls and transparent on-chain tracking.

Expansion and Ecosystem Growth

Beyond launch, Mutuum Finance’s roadmap includes several developments aimed at expanding the ecosystem. Plans include multi-chain expansion, allowing the protocol to operate across multiple blockchain networks, and the future introduction of a native overcollateralized stablecoin designed to enhance liquidity and platform utility.

The project is also running a $100,000 giveaway, aimed at rewarding early participants during the presale phase. Entry requirements and tasks are outlined on the project’s website, adding an additional incentive for community engagement while development continues.

For investors searching for the best crypto coin to buy while prices are still low, Mutuum Finance is increasingly part of the conversation. With a token price of $0.04, a confirmed $0.06 launch price, active protocol development, and analyst projections pointing toward higher post-launch valuations, MUTM remains in a phase that many view as an early opportunity.

As always, market conditions can change, but with the presale still open and development milestones already delivered, Mutuum Finance continues to stand out as a project worth watching while prices remain at early-stage levels.

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 Press Release provided by a third party who is responsible for the content. Please conduct your own research before taking any action based on the content.

Jack Dorsey’s payments company Block Inc. has begun informing hundreds of employees that their roles could be eliminated during annual performance reviews, as the firm undertakes a wider restructuring effort.

As much as 10% of Block’s workforce may be affected, Bloomberg reported on Sunday, citing people familiar with the matter. The company employed just under 11,000 people as of late November, an executive reportedly said at the time.

The potential layoffs come as Block reshapes its operations following a reorganization launched in 2024 aimed at improving efficiency and aligning its product lines. The company is working to more closely link its peer-to-peer payments platform Cash App with its merchant services arm Square.

At the same time, Block is expanding newer initiatives, including its Bitcoin (BTC) mining division Proto and an artificial intelligence project known as Goose.

Related: Cash App plans to unlock stablecoin transactions ’soon’

Block expected to post $403 million Q4 profit

Block is scheduled to release quarterly earnings on Feb. 26, according to Bloomberg. Analysts expect adjusted profit of about $403 million, or 68 cents per share, on revenue of roughly $6.25 billion for the fourth quarter, per the report.

The company last reported third-quarter net income of $461.5 million on $6.11 billion in revenue. Gross profit rose 18% year over year, driven by 24% growth in Cash App and 9% growth in Square, though the stock fell after the release as some performance metrics missed Wall Street expectations.

For the third quarter, Bitcoin generated about $1.97 billion in revenue, down from $2.4 billion a year earlier but still the company’s second-largest revenue stream. Block held 8,780 BTC worth over $1 billion by the end of September, recording a $59 million quarterly valuation loss.

Related: Jack Dorsey urges tax-free status for ‘everyday’ Bitcoin payments

Square launches Bitcoin payments for merchants

In November last year, Square, the payments platform owned by Block, rolled out a Bitcoin payment option, allowing merchants to accept BTC directly at checkout through its point-of-sale terminals. Sellers can process transactions in multiple ways, including Bitcoin-to-Bitcoin and automatic conversion between Bitcoin and fiat currency.