If Bitcoin (BTC) heads to $200K, three solid reasons explain why Mutuum Finance (MUTM) should be on every smart investor’s pre-run radar. The project is building one of the most utility-driven DeFi ecosystems designed to blend lending, borrowing, staking, and stablecoin mechanics in one coherent platform. See presale snapshot below. Presale stats and Sepolia announcement Mutuum Finance (MUTM) is currently in Phase 6 of its presale, with around $17.05 million raised so far, combining all phases, and nearly 60% of this phase’s 170 million token allocation already sold. The current price stands at $0.035, and over 16,850 holders have already joined the ecosystem. Out of the total supply of 4 billion MUTM tokens, each phase is designed to gradually increase in price, with the next scheduled jump to $0.04. For early investors, the growth math is compelling. A Phase 1 participant who bought $5,000 worth of MUTM at $0.01 received 500,000 tokens. At the current price of $0.035, that investment is already valued at $17,500 — a 250% increase. When the presale reaches its final phase price of $0.06, the same value holding will equal $30,000, marking a 500% rise. Buybacks, staking rewards, and the testnet launch are expected to fuel more upside momentum. The team has also announced the development of its core lending and borrowing protocol, with Version 1 set to debut on the Sepolia Testnet in Q4 2025. The first release will include liquidity pools, mtTokens, debt tokens, and liquidation bots, supporting initial assets such as ETH and USDT. Reason 1. Stablecoin innovation adds depth The foundation of Mutuum Finance (MUTM) rests on a unique decentralized stablecoin design. This system will mint new stablecoins only when users borrow against collateral, and it will burn them as loans are repaid or liquidated. That means the supply will always be tied to real borrowing demand, not arbitrary printing. Only approved issuers with capped limits will be allowed to mint, ensuring system-wide discipline. To protect the $1 peg, the protocol’s governance will adjust interest rates dynamically. When the stablecoin trades slightly below $1, the borrowing rate will rise to reduce supply. If the price drifts above $1, the rate will be lowered to encourage minting. This real-time balancing act, combined with arbitrage incentives, will help maintain a tight peg. A reliable $1 on-chain unit will power payments, stable lending, and smooth collateral operations. For DeFi users watching crypto charts daily, having a dependable stable asset like this will make the ecosystem more composable and practical than many speculative tokens. Reason 2. Price discovery and Oracle architecture Another reason investors are turning attention to Mutuum Finance (MUTM) is its multi-layered price discovery model. The protocol will rely on Chainlink as the primary oracle source, with fallback feeds and aggregated data from multiple references to ensure accuracy. Decentralized exchange time-weighted averages (TWAPs) will serve as the final safety layer to counter short-term volatility or feed delays. This combination will help the system maintain precise valuations during lending, borrowing, and liquidation processes. Accurate pricing protects against overcollateralization failures and unnecessary liquidations, keeping lender funds safe. It will also support higher loan-to-value (LTV) ratios for stable assets like ETH or USDT. The result is a safer, more predictable lending environment — exactly what seasoned investors seek when planning their next crypto investment. For instance, a lender who supplies $20,000 worth of ETH to a liquidity pool will receive 20,000 mtETH. With an annual yield of 12%, the interest will reach $2,400 after one year. These mtTokens can later be staked to earn additional MUTM rewards, adding another layer of passive income. Borrowers will also gain flexibility through Mutuum Finance (MUTM)’s Peer-to-Peer model. They will borrow on negotiated terms, directly with a lender willing to take on meme coin volatility. This system ensures liquidity for smaller tokens while protecting main pools from excessive risk exposure. Reason 3. Roadmap and product catalysts Mutuum Finance (MUTM) has planned a structured four-phase roadmap, and each stage is designed to add value before the full launch. Phase 1 already introduced the presale, token audit, and early community campaigns. Phase 2 will focus on the development of smart contracts, DApp front-end, and back-end infrastructure. By Phase 3, the team will finalize smart contracts, conduct extensive testing, and prepare for listings. The final Phase 4 will mark the live platform launch, token exchange listings, and the activation of MUTM claims. Each milestone will likely attract more visibility, pushing demand higher as traders notice progress on crypto charts and dashboards. Security remains a major strength. The project has undergone a CertiK audit, scoring 90.00 on Token Scan and 79.00 on Skynet. A 50,000 USDT bug bounty program will reward community testers, with payouts up to $2,000 for critical findings. Meanwhile, an ongoing $100,000 giveaway will grant 10 winners $10,000 each in MUTM tokens. Final call before the next price jump Bitcoin (BTC) has a long-term goal of going up; thus, initiatives with actual mechanics and uses stand out. Mutuum Finance (MUTM) is a combination of new stablecoins, strong oracles, and a clear roadmap with obvious reasons for its success. These three things put it in a position that few new tokens can match. 60% of Phase 6 has now been sold, and the following price step to $0.04 will be a 15% increase. Investors can link their wallets through the dashboard and make sure they get their share before the next jump. If you’re thinking about your next crypto investment, Mutuum Finance (MUTM) appears like one of the best DeFi prospects with a lot of potential before Bitcoin (BTC) breaks out again. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Three reasons MUTM is best crypto before BTC hits $200K appeared first on Invezz
