After the recent crypto crash, investors are searching for projects that offer real value. Many tokens promise hype but lack utility.
The presale has already drawn strong interest. Mutuum Finance (MUTM) is now in Phase⁹ 6, with tokens priced at $0.035. Out of 170 million tokens, 85% are already sold. Across all phases, the project has raised around $18.4 million, with over 17,700 holders so far.
The next presale phase will raise the price to $0.040, a 15% jump. This is the last chance to buy before that increase. Investors can also
How Mutuum Finance (MUTM) Works
Mutuum Finance (MUTM) is a DeFi lending and borrowing protocol designed for real users. It runs on two models. The first is Peer-to-Contract (P2C) lending. Here, users deposit trusted assets like ETH or USDT into liquidity pools. In return, they receive mtTokens, which represent their deposits. Interest rates adjust automatically based on pool usage. When borrowing demand increases, the rate adjusts upward to balance liquidity.
The second model is Peer-to-Peer (P2P) lending. This allows users to negotiate loans directly with one another for higher-risk or low-liquidity tokens. Together, the two models give flexibility. Conservative lenders earn stable returns, while active traders can explore better yields. This balance is what sets Mutuum apart in the race to be the best crypto platform of 2025.
Early investors are already seeing results. A $5,000 entry in Phase 2 at $0.015 bought 333K MUTM tokens. At today’s price of $0.035, that value is $12K. When the price reaches $0.21, it grows to $70,000. A $5,000 purchase in the current phase gives about 142,857 tokens. At $0.07, that’s valued at $10,000, and at $0.21, $30,000. The numbers speak for themselves — this project is gaining real traction.
In Q4 2025, Mutuum Finance (MUTM) is expected to launch its
This test phase will prove that all the mechanics — from borrowing to liquidation — work as designed. It will also attract early users and create visibility for future exchange listings once the live version follows. The V1 testnet is more than a test; it is a public signal that the protocol is just getting ready for the real market.
A Growing Community With Real Rewards
Mutuum Finance (MUTM) knows that growth comes from engagement. Its
The Top-50 Leaderboard gives bonuses to the largest investors, motivating higher commitments. There’s also a 24-hour leaderboard, where the top spot earns $500 in MUTM daily, as long as the user makes one transaction that day. The leaderboard resets every 24 hours at 00:00 UTC. This keeps the ecosystem active and encourages consistent participation. The more on-chain activity there is, the higher the platform’s revenue — and this revenue feeds back into buybacks and staking rewards for mtToken holders.
Real Utility and Roadmap Expansion
Mutuum Finance (MUTM) will introduce a decentralized stablecoin pegged to $1. It will be backed by assets like ETH, SOL, and AVAX. Users will mint the stablecoin when borrowing and it will be burned when loans are repaid or liquidated. This creates a natural balance between demand and circulation.
The platform will also introduce staking and buyback redistribution. Protocol revenue will be used to buy MUTM from the open market and distribute it to mtToken stakers. This process will create a steady stream of buying pressure and reward loyal users. Over time, the protocol will expand across Layer-2 networks and new blockchains, reaching a broader audience and driving more transactions.
Built-In Stability and Safety
Mutuum Finance (MUTM) uses a stable interest rate model that gives borrowers predictable costs. The rate locks at the time of borrowing and is calculated from a mix of market averages and protocol data. If the market rate rises far above it, the system rebalances the rate to maintain fairness. Stable borrowing will only be allowed for liquid assets to protect all users.
All loans will be over-collateralized and protected by a Stability Factor. This factor checks how secure each loan is. If the value of collateral falls too low, automatic liquidation occurs. Liquidators can buy back debt at a discount, helping to protect the system. These steps reduce risk and ensure that Mutuum’s lending pools stay safe and functional.
Why Investors Are Paying Attention
Mutuum Finance (MUTM) has all the elements of a breakout project — a live community system, real lending products, and a clear path to its V1 launch. Phase 6 of the presale is nearly complete, and the next phase will bring a price rise to $0.040. This is the time to act before the increase. With a live dashboard, active leaderboard, card purchases facility, and big rewards, Mutuum Finance (MUTM) is shaping the story of the year. Buy MUTM at $0.035, stake mtTokens, and join the leaderboard to earn more before the Sepolia V1 launch in Q4 2025.
For more information about Mutuum Finance (MUTM) visit the links below:
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This story was published as a press release by btcwire under HackerNoon’s Business Blogging