Mutuum Finance (MUTM) is emerging as a strong contender for the crypto to buy now, even as markets face broader uncertainty and discussions of a crypto crash dominate headlines. The combination of dual lending markets and a governance-controlled stablecoin will generate recurring revenue channels. This revenue will support price growth as adoption scales, creating a plausible path to a 28x outcome over the next 12–24 months. With Phase 6 moving rapidly, early participants will secure exposure at $0.035 before Phase 7 rises to $0.040, a 15% increase.
Lending Models That Power the Ecosystem
Across the presale, Mutuum Finance (MUTM) will release 4B tokens. Phase 6 is allocated 170M tokens, with 90% already sold quickly. So far, the project has raised roughly $18.8 million, attracting over 18,100 holders. The reference listing price is $0.06, signaling strong upside potential within the presale in value terms. Investors acting now will position themselves ahead of the next pricing milestone, taking advantage of the last window to enter below four cents.
Mutuum Finance (MUTM) will offer Peer-to-Contract (P2C) pools for mainstream and high-liquidity assets. Investors will deposit tokens such as USDT and ETH into audited smart contracts. They will receive mtTokens representing both principal and accrued interest, which can also be used as collateral for other platform positions. A depositor placing $10,000 DAI into a P2C pool earning 12% APY will secure $1,200 in annual interest while retaining mtDAI as a collateral instrument. This model ensures liquidity circulates while generating protocol rewards, driving demand for MUTM tokens.
Peer-to-Peer (P2P) lending will serve more speculative or thinly traded tokens like SHIB and DOGE. Lenders will negotiate terms directly with borrowers, assuming higher risk for stronger returns. For instance, a lender providing $2,500 of FLOKI at a 30% annual rate will earn elevated yield, reflecting the increased counterparty risk. By separating these high-risk loans from core pools, Mutuum Finance (MUTM) will maintain platform stability while attracting diverse investors.
Road to 28X: Stablecoin and V1 of the Protocol Launch in Q4
Mutuum Finance (MUTM) will mint a decentralized stablecoin pegged to $1. Minting will occur only against overcollateralized assets, and tokens will burn automatically on repayment or liquidation. Approved issuers will have strict minting caps to manage risk. Governance-controlled borrow rates will steer the stablecoin toward its $1 target, lowering rates when the price exceeds $1 and raising rates when it falls below. Overcollateralization ensures liquidity remains available, while borrowing and lending activity generates predictable revenue. This stablecoin will be central to both P2C and P2P flows, continuously circulating capital and reinforcing token demand.
Mutuum Finance (MUTM) confirmed through its official X channel that the V1 release of its protocol will go live on the Sepolia Testnet in Q4 2025. This debut version will introduce the platform’s essential architecture, including the liquidity pool, mtToken and debt token mechanics, and an automated liquidator bot to ensure smooth and secure operations. In this phase, users will be able to lend, borrow, and supply ETH or USDT as collateral.
Launching V1 on the testnet provides the community with an early look at the protocol before the mainnet rollout begins. This staged launch helps the team gather feedback, strengthen transparency, and encourage user involvement. As participation grows and more users familiarize themselves with the system, it may contribute to increased interest and long-term demand for the MUTM token.
Robust price discovery will depend on Chainlink-style USD and native-asset feeds, supplemented by fallback or aggregated sources and on-chain TWAPs from DEX markets. Accurate valuations will prevent accidental liquidations, allow larger positions, and increase fee capture. This predictable fee generation will support buyback and distribution mechanics, further enhancing MUTM’s long-term appeal.
Senior crypto analysts projecting Mutuum Finance (MUTM) adoption foresee strong listing interest once V1 of the protocol launches in Q4 2025. An investor who swapped $2,000 of SOL for MUTM at Phase 1 ($0.01) will see a notional gain of $7,000 at the current Phase 6 price ($0.035). If the token lists at $0.06, that position will rise to $12,000 in value, a 6x increase.
Assuming the protocol captures target market niches, grows total value locked (TVL), and generates recurring fees distributed through revenue-driven token rewards, MUTM’s price could reach $0.98, roughly 28x Phase 6 pricing, over 12–24 months. Strong adoption, active lending, and stablecoin usage will create a foundation for these projections.
Security and Incentive Structure
Mutuum Finance (MUTM) has undergone a complete CertiK audit including manual review and static analysis, with TokenScan at 90.00 and Skynet at 79.00. These scores indicate code quality, vulnerability detection, and continuous monitoring. The 50,000 USDT bug bounty will reward Critical issues up to $2,000, Major $1,000, Medium $500, and Low $200, motivating community review and proactive security testing.
To appreciate the big investors, daily engagement will also be encouraged with the 24-hour leaderboard reward: $500 MUTM for the top trader completing at least one transaction in a 24-hour window.
Phase 6 of Mutuum Finance (MUTM) will be 90% sold at $0.035. Phase 7 will open at $0.040, increasing by 15%. Investors who believe in the protocol’s dual lending architecture and stablecoin anchor will want to secure their allocation now. The combination of predictable revenue, on-chain utility, and high presale demand makes MUTM a compelling entry point, positioning it to thrive even if broader markets face a crypto crash. The closing window under four cents represents a strategic opportunity for those seeking the next high-impact crypto to buy now.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
