$19M Raised So Far, $0.035 Price Window May Gone Forever for This New Crypto Coin

In a market where the crypto crash has shaken confidence, many investors are seeking stable and high-potential opportunities. Mutuum Finance (MUTM) has emerged as a rare project with real utility and a growing user base. While many cryptocurrencies struggle, MUTM is generating tangible interest, driven by a well-structured dual lending platform and ongoing presale momentum. Investors looking for the cheapest cryptocurrency with strong upside will find this opportunity compelling.

A Tight Price Window an Opportunity

Mutuum Finance (MUTM) is currently in presale phase 6 with a price of $0.035. Phase 6 has already sold 95% of its 170 million tokens. Across all presale phases, the project has raised around $19.20 million. The total token supply is 4 billion, and the community includes over 18,400 holders so far. This rapid uptake shows how strong the demand is for MUTM tokens. Early investors will secure positions at the current price, but this window will close soon. 

Analysts project that MUTM could see a price increase by 20% in the next phase, making this the last opportunity to buy at the $0.035 level. With launch approaching, investors are expecting returns that could exceed 2X or more, with some predicting a surge to $0.35, representing a 10X increase from early prices. For serious and interested investors, Mutuum Finance (MUTM) recently enabled card purchases with no limits, making token acquisition simpler and faster. 

What Is Mutuum Finance?

The core of Mutuum Finance (MUTM) is its dual lending model. The P2C or Peer-to-Contract system will allow users to pool assets like stablecoins—USDT—and known cryptocurrencies such as ETH and BTC into audited smart contracts. Borrowers provide overcollateralized collateral to access funds. Interest rates adjust automatically based on pool utilization, incentivizing liquidity and discouraging excessive borrowing. This creates a robust feedback loop that will maintain solvency while increasing capital efficiency.

Lenders in the P2C model will receive mtTokens representing both their principal and accrued interest. These mtTokens can also be used as collateral to borrow other assets. Over time, users can withdraw their principal along with earned interest. Borrowers can choose variable rates to respond to market fluctuations or stable rates for predictable repayment.

For example, a lender contributing $15,000 in USDT will receive mtUSDT at a 1:1 ratio. If the pool achieves an average 15% APY, the lender will earn $2,250 in passive income after one year. A borrower using $1,000 worth of ETH as collateral can borrow up to 95% of that amount. This allows liquidity access without selling crypto, keeping exposure to potential price growth while using the borrowed funds for other opportunities.

The P2P or Peer-to-Peer lending model targets higher-risk and less liquid tokens such as PEPE and DOGE. Borrowers and lenders negotiate terms directly, including interest rates and loan durations. Since these loans are isolated from shared liquidity pools, lenders take higher risk but receive higher returns. This ensures that the protocol’s main pools remain stable, while giving the community additional earning opportunities.

Stable Interest Rates and Upcoming Protocol Launch

Stable interest rate borrowing will also be available. A rate will be calculated at the time of borrowing, usually starting slightly higher than variable rates for stability. Rebalancing mechanisms will adjust the stable rate when market conditions change drastically, maintaining fairness for both borrowers and lenders.

Collateral and liquidation safeguards protect the protocol against market volatility. All loans are overcollateralized, with a Stability Factor ensuring borrower security relative to their debt. If collateral falls below required levels, liquidators will purchase the debt at a discount, stabilizing the system. Lower-volatility assets, such as stablecoins and ETH, will have higher LTV ratios up to 95%. More volatile assets will be limited to 35–95% LTV. Reserve factors ranging from 10% to 55% provide further safety. These measures ensure the platform remains healthy, even during rapid price swings.

On-chain liquidity management is also critical. Adequate liquidity allows distressed positions to close efficiently without excessive slippage. Proper loan-to-value ratios and liquidation thresholds preserve system stability, giving liquidators sufficient profit while minimizing risk for the protocol.

In addition to that, Mutuum Finance (MUTM) announced on its official X account that the V1 release of its protocol is scheduled to debut on the Sepolia Testnet in Q4 2025. This early version will activate all key components of the system, including the liquidity pool, the mtToken and debt token models, and an automated liquidator bot responsible for protecting collateralized positions and ensuring reliable protocol performance. During this phase, users will be able to lend, borrow, and lock ETH or USDT as collateral.

Community Incentives

Community engagement is driving significant attention to MUTM. The project has over 12,000 followers on X, and the dashboard is already live. Users can track holdings, calculate ROI, and participate in the Top 50 leaderboard. This leaderboard rewards the largest investors with bonus MUTM tokens. A new daily bonus feature provides $500 in MUTM to the user who ranks first each day, encouraging daily participation.

Mutuum Finance (MUTM) has also launched an ongoing $100K giveaway. Ten winners will receive $10,000 worth of MUTMs each. These initiatives boost awareness, attract new users, and create excitement around presale opportunities.

Security and trust will remain strong growth factors. The team recently announced an independent audit by Halborn Security for the lending and borrowing contracts. The audit ensures the code is safe, reliable, and error-free. Verified contracts reduce risk and boost confidence for all participants. This audit strengthens the ecosystem and encourages long-term investment in MUTM.

$1 Pegged Stablecoin

The project is also developing an over-collateralized stablecoin system pegged to $1. Users will lock approved collateral such as ETH, SOL, or AVAX to mint this decentralized stablecoin. Minting and repaying these tokens will generate real transactional demand, increasing token utility and circulation. This system anchors the dual lending market, creating recurring borrowing and lending flows. The steady growth in usage will continue to raise demand for MUTM.

Mutuum Finance (MUTM) sets itself apart from hype-driven tokens by linking value to real platform activity. Lending, borrowing, staking, and stablecoin minting generate recurring demand. As the protocol grows, MUTM will become a core asset, benefiting from continued use and transaction volume.

The presale momentum is creating strong FOMO. With phase 6 nearly sold out, the current $0.035 price is unlikely to last. Phase 7 will see an increase of around 20%, offering early investors a chance to secure positions at a discount. As the platform launches and more users join, returns could multiply, attracting buyers who want exposure before the next price surge.

Investors who joined early are already seeing remarkable growth potential. For instance, a $50,000 Phase 1 investment at $0.01 could grow exponentially as MUTM utility expands and adoption rises. Analysts foresee potential returns ranging from 200% to 1,500% within a few phases post-launch. This strong projection underlines the urgency for new investors to act now.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.