Fear-driven markets often push investors toward safe, utility-focused projects. During these periods, traders look for tokens with real mechanics, not just hype. Mutuum Finance (MUTM) is emerging as a rare new cryptocurrency that continues to attract attention even in uncertain conditions. Besides many others, one of the growth factors could be the V1 of the protocol launch planned on the Sepolia Testnet in Q4, could even push a 28x surge. This growth is supported by real utility, a live platform, and strong presale momentum, making MUTM a standout option in crypto charts for traders seeking asymmetric returns.
What you'll learn 👉
Presale Momentum Signals Early Advantage
Mutuum Finance (MUTM) will have a total supply of 4B tokens which will be released across 11 phases. To date in presale, approximately $18.90 million have been raised and more than 18,100 holders have already joined the network. Phase 6 is currently live at $0.035 per token, and nearly 95% of the 170 million tokens allocated are already reserved. Phase 7 will raise the price to $0.040, a 15% increase, reinforcing that early buyers gain significant advantages. In fear-driven markets, early acquisition under discounted prices allows investors to capture asymmetric opportunities that later buyers cannot access.
Consider an investor who rotated $6,000 of AVAX into Phase 1 at $0.01 per MUTM. By Phase 6 pricing at $0.035, the portfolio has already grown 3.5×, demonstrating strong unrealized returns. If the token lists at $0.06, that same investment will expand 6× in value. Post launch, with lending revenue, buybacks, and the full protocol availability impact, a 28× surge from Phase 6 becomes realistic, bringing the token near $0.98. This illustrates how early participation in a structured presale allows investors to capture outsized gains, making Mutuum Finance (MUTM) a top pick among new cryptocurrency opportunities.
For community expansion, besides an ongoing $100K giveaway, the platform rewards the daily top performer with $500 MUTM via a 24-hrs leaderboard program. Users must complete at least one transaction to qualify, creating continuous activity loops. Leaderboard incentives will increase participation, drive trading volume, and expand demand across the ecosystem.
P2C & P2P Lending
Mutuum Finance (MUTM) will implement a Peer-to-Contract lending model that strengthens liquidity. A lender depositing $8,000 in DAI will receive mtDAI at a 1:1 ratio. At 15% APY, this position earns $1,200 annually, and mtTokens will grow in value as interest accrues. Borrowers can post $3,000 in BTC as collateral and access up to 95% LTV, providing $2,850 in liquidity. The Stability Factor ensures safety, automatically triggering liquidation if BTC falls below thresholds. This mechanism balances borrower exposure while maintaining platform health and continuous lending activity.
On the Peer-to-Peer side, riskier tokens are isolated to protect the main ecosystem. P2P lending offers higher yields compared with P2C stability, attracting traders seeking more aggressive returns. By managing risk directly, this system encourages a healthy flow of capital while preserving the security of core assets. The combination of P2C and P2P lending drives overall platform engagement and supports sustained demand.
How 28X Target Is Justified?
Mutuum Finance (MUTM) announced on its official X account that the V1 edition of its protocol is scheduled to launch on the Sepolia Testnet in Q4 2025. This first version will bring the platform’s key infrastructure online, including the liquidity pool, mtToken and debt token frameworks, and an automated liquidator bot designed to maintain stability and safeguard user activity. At this stage, users will be able to lend, borrow, and place ETH or USDT as collateral.
Introducing V1 through the testnet gives the community an early opportunity to interact with the protocol before its transition to the mainnet. This approach boosts transparency, encourages user engagement, and provides the team with practical data to refine the system. As more users test the platform and awareness increases, interest in MUTM may grow, contributing to stronger long-term token demand.
Additionally, Mutuum Finance (MUTM) will use revenue to repurchase tokens from the market. These tokens will be distributed to mtToken stakers, creating continuous buy pressure. As fear markets encourage more borrowing, revenue grows, fueling more buybacks. This feedback loop establishes a long-term price floor and enables exponential growth potential. Stakers benefit directly, aligning incentives and supporting a strong token economy that attracts new participants consistently.
Liquidity, LTVs, and Risk Management
Market volatility creates lending opportunities within Mutuum Finance (MUTM). Stablecoins and ETH allow higher LTVs up to 95%, while riskier assets maintain lower LTVs with reserve factors ranging from 10% to 55%. The Stability Factor monitors collateral health, and automatic liquidations ensure the protocol remains solvent during price swings. This safety design ensures investors’ capital is protected while sustaining ongoing liquidity and platform growth.
Phase 6 of Mutuum Finance (MUTM) is already 95% sold out, and the next price increase to $0.040 represents a 15% jump. The Q4 V1 Launch will act as a catalyst for broader market repricing, and investors securing tokens at current presale rates will capture the opportunity for a 28× surge. Missing Phase 6 means missing one of the rare asymmetric plays in a fear market. For traders tracking crypto charts and seeking real utility, Mutuum Finance (MUTM) represents a high-reward, structured entry into a new cryptocurrency with strong growth potential.
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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