A new wave will enter the market, and many investors are already watching it. They want a project that shows real work, real demand, and real value. This is why Mutuum Finance (MUTM) is gaining strong attention as the next big crypto. The presale progress shows clear interest, and experts already point toward it as a future leader. The idea is simple. A token that supports live lending and borrowing activity will attract users who want practical utility from day one.
What you'll learn 👉
Early Buyers Already Enjoy Strong Gains
Mutuum Finance (MUTM) is now in Phase 6 of its presale. The total supply is 4 billion tokens, and the combined phases have generated around $19.41 million so far. The current price of this phase is $0.035. Over 18,550 holders have joined across all phases of the presale, showing strong early trust. Around 99% of the 170 million tokens in this phase have been sold, giving new investors a fresh entry point.
Presale progress has created serious momentum. Many investors will refer to earlier participants to judge real strength. One early buyer swapped a small part of their BTC portfolio during Phase 1 at $0.01. Today in Phase 6, that same entry is already giving them a 3.5X value. These gains look even stronger when compared to the listing price of $0.06. When the token lists, that same wallet will show a 6X value gain. After listing, the projected price trend is expected to follow strong demand as real activity enters the system.
This is the type of return traders want when calling a project the next big crypto. They do not want hype without numbers. They want a track record, and the presale growth of Mutuum Finance (MUTM) already shows clear progress. Investors see real value when a token moves through phases with steady demand. The idea of a future crypto ETF often comes up in expert circles when a project shows such consistent early interest, strong utility, and a clear purpose.
The strong ROI journey explains growing attention. People want a smart entry point before the price climbs again. The next phase will increase the price to $0.040, which means a direct 15% rise from the current price. Investors looking for high-growth assets understand how rare it is to catch a future blue-chip project at a stage where gains are visible before launch.
A Complete Lending System Will Support Long-Term Growth
Mutuum Finance (MUTM) will offer a dual lending model that makes the platform useful from the first day. In the P2C model, users will lend stablecoins or known tokens like BTC and SOL. These assets will enter audited smart contracts that adjust interest rates based on pool usage. Users will receive mtTokens as proof of their share in the pool. The value of these mtTokens will grow as interest builds over time. A lender who puts in 30,000 USDT will receive mtUSDT at a one-to-one rate. With an average APY near 15%, they will earn $4,500 by the end of the year. This becomes an attractive source of passive income for users who want simple earnings without complex strategies.
Borrowers will also enjoy simple access to liquidity. If someone wants funds but prefers not to sell their crypto, they will use $2,000 in ETH as collateral. Depending on ETH’s LTV ratio, they will borrow a safe amount while keeping exposure to price growth. The system will allow stable and variable rates, giving users more control during market changes.
Mutuum Finance (MUTM) will also offer P2P lending for riskier tokens like PEPE or DOGE. These assets will operate outside the main pool, keeping the core system safe. Lenders and borrowers will set their own terms, which will help expand earning opportunities while protecting the main liquidity.
Mutuum will use a Stability Factor to secure loans. It will measure borrower safety and prevent bad debt. When collateral drops below the safe limit, the liquidation process will activate. Liquidators will close at-risk loans by repurchasing debt at a discount. This process will protect the system without harming other users.
Liquidity and volatility will play a key role in this design. Assets with higher stability like ETH and stablecoins will support higher LTVs up to 2%. More volatile assets will have lower limits between 35 and 2%. Liquidation thresholds will also adjust to keep the platform stable. Reserve factors will give each asset a fair safety rating, ranging from 10% for stable assets to 55% for volatile ones.
V1 Protocol Launch and Other Growth Indicators
The platform has planned to launch its V1 protocol on the Sepolia Testnet in Q4 2025. It will support mtTokens, debt tokens, the liquidity pool, and the liquidator bot. ETH and USDT will serve as the initial assets to be used for lending, borrowing and as collateral.
Releasing V1 on a testnet gives the community an early look at how the protocol functions before it moves to mainnet. This approach increases transparency, invites user participation, and allows the team to gather meaningful feedback for refinement. As more users explore the testnet and become familiar with the platform, interest and confidence in the ecosystem are likely to grow, supporting long-term demand for the MUTM token.
Mutuum Finance (MUTM) will implement a buy-and-distribute system. Part of the platform revenue will be used to buy MUTM from the open market. These tokens will be distributed to users who stake their mtTokens. This creates a constant cycle of buy pressure and rewards for long-term participants. As lending and borrowing rise, more tokens will be bought back and distributed. This creates a reward system that is based on real activity instead of inflation.
The team plans to launch the platform and the token listing together. Traders will access working features on day one. This will help the token attract early volume and faster listing interest from major exchanges. Real activity will give Mutuum Finance (MUTM) a strong position during its first weeks on the market.
Mutuum Finance (MUTM) has entered an independent audit review with Halborn Security. The codebase is already complete, and Halborn is testing for logic issues, vulnerabilities, and real-world performance. This detailed security review will ensure reliability before the main launch. It will also build confidence among investors and traders who want long-term trust before participating in any next big crypto.
The platform also rewards user activity through its upgraded leaderboard. The top user of each day receives a $500 MUTM reward, based on at least one transaction in that 24-hour cycle. The leaderboard reset every day at 00:00 UTC.
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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