Investors are watching the crypto charts closely this quarter, searching for tokens that show both growth and real use cases. While short-term hype often fades, real projects with working products and transparent economics are attracting serious attention. Mutuum Finance (MUTM) is one such name — a DeFi platform building its own lending, borrowing, and stablecoin system designed to support long-term adoption. See presale snapshot below. Lending designed for both lenders and borrowers Mutuum Finance (MUTM) has a total supply of 4B tokens. The project has generated around $17.05 million so far in all phases, with 60% already sold out of the 170 million tokens allocated for this phase only. The current price is $0.035, and the number of holders has grown to over 16,850. The team has announced the development of its lending and borrowing protocol, with Version 1 expected on the Sepolia Testnet in Q4 2025. The release will include key components like the Liquidity Pool, mtToken, Debt Token, and Liquidator Bot, with ETH and USDT as the first assets available for lending, borrowing, and collateral. Mutuum Finance (MUTM) will operate with two main models — Peer-to-Contract (P2C) and Peer-to-Peer (P2P). The P2C system will connect lenders to automated smart contracts, allowing users to deposit assets and earn variable interest. The P2P market will allow direct lending for tokens with higher volatility. Each deposit will issue mtTokens, which serve as proof of ownership and earn interest over time. These mtTokens can also be used as collateral to unlock additional borrowing options. $1 peg stablecoin & price data accuracy The project’s stablecoin system will add another layer of strength. The coin will be minted only when a user borrows and burned when repayment or liquidation happens. Each issuer will have a capped mint limit, tying supply directly to active lending. Governance will oversee interest rate changes to maintain the stablecoin’s $1 peg. For example, if the stablecoin drops below $1, rates will increase to encourage debt repayment and restore the peg. Arbitrage traders will also take advantage of this difference, helping balance the value naturally. Price data accuracy will depend on Mutuum Finance (MUTM)’s oracle system. Chainlink will serve as the main oracle source, supported by fallback and aggregated feeds to handle price discrepancies. When market volatility spikes, time-weighted averages from decentralized exchanges will ensure that liquidation events happen fairly and reflect true asset prices. This multi-layered oracle system will make the platform safer and more stable for all users. A platform that rewards smart crypto investment Lenders will enjoy transparent returns through simple arithmetic. For example, a user who deposits $25,000 worth of BTC will receive 25,000 mtBTC. Assuming a 10% annual yield, the interest after one year will be $2,500. While large liquidity pools may slightly lower the annual percentage yield, they increase the total interest earned over time by providing steady returns with reduced volatility. Borrowers will also have flexible options. A user who deposits $3,000 worth of ETH as collateral will be able to borrow up to $1,500, given a 50% Loan-to-Value ratio. If the value of ETH drops by 25%, the system’s Stability Factor will automatically trigger a liquidation event to secure the loan. This feature ensures balance between borrowers and lenders while keeping the protocol safe from sudden market movements. Mutuum Finance (MUTM) will also introduce strong liquidity management during volatile periods. Slippage — the small price change during trades or liquidations — will be minimized by reserve factors ranging from 10% to 55%, depending on the risk level of each asset. Clear roadmap and community building The roadmap will guide Mutuum Finance (MUTM) through four clear phases. Phase 1 has focused on presale and marketing. Phase 2 will handle smart contract and DApp development. Phase 3 will include beta testing and exchange preparation. Finally, Phase 4 will bring the live launch, listings, and advanced cross-chain features. Security and trust will stay at the core of Mutuum Finance (MUTM)’s design. The CertiK audit has achieved a Token Scan Score of 90 and a Skynet Score of 79, reflecting a detailed manual and static review. The team has also announced a $50,000 bug bounty program to reward external testers — with up to $2,000 for critical findings — and a $100,000 giveaway for ten winners who will each receive $10,000 worth of MUTM. Investors can already explore the live dashboard and Top-50 leaderboard to monitor ongoing activity and presale progress. Before joining any crypto investment, investors often check for three things: working technology, security validation, and clear growth milestones. Mutuum Finance (MUTM) meets all three. Phase 6 is already 60% sold, and the next phase will raise the token price to $0.04 — a 15% increase. The opportunity to secure MUTM at $0.035 is closing quickly. For those following the latest crypto charts, Mutuum Finance (MUTM) represents a balanced mix of innovation, reliability, and growth. As the presale moves toward completion and the testnet launch approaches, early participation now can position investors at the front of a project built on real financial mechanics and transparent rewards. Connect your wallet to the Mutuum Finance (MUTM) dashboard today and join before the next price jump arrives. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Best cheap crypto now? $0.035 DeFi gem raises $17M, 60% sold, next jump appeared first on Invezz
