As Q2 winds down and investors prepare their portfolios for the next quarter, one question is being asked across trading forums and crypto groups alike: What crypto to buy now before Q3 hits? While plenty of familiar names are being tossed around, a growing number of traders are shifting their attention to a project still in presale — one that’s being labeled by some as the most undervalued asset in the DeFi space right now.
That project is Mutuum Finance (MUTM) — a decentralized lending protocol that offers actual utility, sustainable rewards, and a clear long-term plan. With the token currently priced at $0.025, and its fourth presale phase already over 65% sold, buyers are moving quickly to secure a position before the next price jump. The current price is still one of the lowest it will ever be — and that’s exactly why FOMO is starting to take hold.
Mutuum Finance (MUTM)
Mutuum is more than just another crypto coin. The project is building a non-custodial platform where users can lend and borrow digital assets, access liquidity without selling their holdings, and earn yield from real protocol activity. It introduces mtTokens, which users receive when they deposit supported cryptocurrencies. These mtTokens accrue interest over time and can also be staked to earn MUTM rewards — giving users multiple ways to benefit from participation.
Borrowers on the platform can lock up overcollateralized assets and choose between stable or variable interest rates. There are no fixed repayment dates, and as long as the collateral value stays above the required threshold, positions remain open. This level of control and flexibility is part of what makes Mutuum appealing — especially for traders looking to maximize their crypto investment without exiting their long-term positions.
Mutuum is also preparing to introduce its own overcollateralized stablecoin, designed to provide decentralized access to stable liquidity backed entirely by on-chain assets. Unlike centralized stablecoins or algorithmic versions with weak backing, Mutuum’s stablecoin will be created only when users deposit sufficient collateral into the platform.
This opens up new opportunities for borrowing and yield generation while helping the protocol strengthen its treasury. Interest from stablecoin-based loans flows directly into the system — benefiting users and reinforcing the broader token economy. It’s another layer of utility that positions MUTM not only for short-term growth but also long-term relevance.
MUTM comes with a total supply of 4 billion tokens, allocated across development, incentives, liquidity, and community growth in a way that supports both scalability and sustainability. A significant portion is reserved for presale buyers, with additional tokens designated for platform rewards, ecosystem contributors, and strategic partnerships.
This structure encourages early adoption while ensuring that tokens are distributed across real users and contributors — not just insiders. It also supports consistent growth, especially as Mutuum’s buyback-and-distribute model uses platform revenue to purchase MUTM on the open market and reward active participants. This creates built-in demand that scales with usage, helping support long-term token value.
With more than 446 million tokens already sold and over 9,500 holders, the window to buy at $0.025 is closing fast. Once the current presale phase ends, the price will increase to $0.03, followed by a $0.06 launch price. But it’s what comes after that has early buyers excited.
Market projections suggest that the token could surge well beyond launch value, with realistic short-term targets of $0.30 to $0.95. At those levels, anyone buying in now would be sitting on substantial gains — even before considering the passive earning potential built into the platform. That’s why many traders are treating this presale phase as the last low-entry opportunity before the momentum really kicks in.
If you’re scanning the market trying to figure out which cryptocurrency to invest in before Q3, Mutuum Finance checks every box. It’s functional, forward-looking, and priced well below its projected value. With real lending and borrowing infrastructure, a stablecoin on the way, and tokenomics that tie value to actual usage, MUTM is shaping up to be more than just a trending asset — it’s becoming a real contender for long-term portfolios.
The presale is moving quickly, and as demand builds, this may be the final phase where everyday investors can get in before the surge. For those watching the top cryptocurrencies to buy now, this might be one of the most overlooked yet high-potential assets heading into Q3.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance
