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Short-term crypto investing will always attract people who want fast and meaningful returns. Many traders check the crypto fear and greed index each day to understand market sentiment, but true opportunity usually appears before a token gets listed. This is why a growing number of investors are now looking at Mutuum Finance (MUTM), a new cryptocurrency that stands out due to its utility-driven ecosystem and strong presale momentum.

The Presale That Is Creating Early-Mover Excitement

Mutuum Finance (MUTM) is currently in presale phase 6 at a price of $0.035. The project has already generated around $19.41 million across all previous phases, while more than 18,550 holders have joined so far. The total supply is 4 billion tokens, and 99% of the 170 million tokens allocated for this phase have been sold. Investors still have the chance to buy before the next price increase, but supply continues to move fast.

Market watchers expect the launch price to be much higher. Analysts have pointed at examples such as 300% to 400% returns during the first months of trading. Some even expect a move toward the $0.40 region, which represents strong upside for anyone entering during phase 6. These expectations grow from real demand, expanding user interest, and the upcoming launch of the Mutuum ecosystem. The dashboard is already live, letting holders track their tokens and estimate their ROI, which builds even more confidence.

This presale stands out because investors get access to a live leaderboard where the top fifty holders earn bonus MUTM tokens. The user who ranks first in any 24-hour cycle will earn $500 worth of MUTM, as long as they complete at least one transaction within that window. The board resets at 00:00 UTC each day, keeping the competition active and rewarding early participation. The project also introduced card payments with no limits, making the buying process simple for every investor.

With the presale price still at $0.035, investors will secure an entry long before the listing rush. The growing excitement suggests that the window will not stay open for long. Those who wait until the token lists will face a higher cost, while early buyers will secure a position that will appreciate as demand rises.

Why Mutuum Finance (MUTM) Is Gaining Serious Attention

Mutuum Finance (MUTM) is building a dual lending system that brings real utility to the crypto arena. The team designed two lending models to support different kinds of assets and different levels of market risk. This gives investors more ways to use their tokens and earn from them long after the presale ends.

The first model is Peer-to-Contract lending. In this model, users will supply assets such as USDC and ETH into audited smart contracts. These pooled assets will then be available for borrowing. Interest rates will adjust based on how much of the pool is being used. When utilization rises, rates will rise as well, which will encourage more people to deposit their assets. As depositors add liquidity, they will receive mtTokens. These tokens represent their deposit and the interest it earns over time.

Borrowers who prefer predictability will enjoy stable interest options. A stable rate will lock in at the start of the loan, using a weighted average of the current market rate. It will keep repayment amounts steady, even if market conditions change later.

Borrowers will also use their assets without selling them. A user can deposit $10,000 worth of ETH as collateral. They will borrow a percentage of that amount based on ETH’s assigned loan-to-value ratio. This lets them access liquidity while still keeping exposure to future price growth.

Mutuum Finance (MUTM) also offers a Peer-to-Peer lending option for tokens such as PEPE and DOGE. These meme-style assets are more volatile, so the platform isolates them from the main liquidity pools. Here, borrowers and lenders will negotiate their own terms. They will set rates, choose durations, and even fill loans partially whenever required. Lenders take on more risk in this model, but they will also enjoy stronger rewards.

Collateral safety remains a key focus. All loans will require overcollateralization. Mutuum will use a Stability Factor to track healthy loan positions. When collateral drops in value, the system will begin liquidation. Liquidators will repay the debt at a discount to maintain stability. Assets such as ETH or stablecoins support higher LTVs, while assets with stronger volatility follow a lower valuation range. This structure keeps the ecosystem safe even during uncertain market conditions.

Liquidity and trading volume are vital for the liquidation process. Higher liquidity lets the protocol close troubled positions quickly without major price slippage. At the same time, liquidation thresholds will protect lenders and prevent cascading failures. Each asset’s risk profile will guide the reserve factor. Stable assets remain near 10%, while riskier tokens follow a higher value around 55%.

Expected V1 of Protocol Launch, Audits and Community Expansion

Mutuum Finance (MUTM) shared through its official X channel that the V1 edition of its protocol is expected to launch on the Sepolia Testnet in Q4 2025. This first deployment will activate the platform’s foundational components, including the liquidity pool, the mtToken and debt-token architecture, and an automated liquidator bot designed to maintain system stability and safeguard collateral positions. In this early phase, users will be able to borrow, lend, and utilize ETH or USDT as collateral within the protocol.

Releasing V1 on the testnet gives the community early access to the platform in a controlled environment before mainnet launch. This staged approach enhances transparency, encourages hands-on participation, and provides valuable feedback to the development team for refining performance. As more users explore the testnet and share their experiences, interest in the ecosystem is likely to grow, supporting stronger long-term confidence and sustained demand for the MUTM token.

The team has also announced a full independent audit from Halborn Security. The audit will verify stability, correct execution, and complete smart-contract safety, which further strengthens community trust. Community growth continues to expand. Mutuum Finance has gained over 12,000 followers on Twitter, with an active audience engaging in updates and events. A major attraction is the ongoing $100K giveaway. Ten winners will each receive $10,000 worth of MUTM tokens. This giveaway brings even more attention to the presale and keeps new investors flowing into the ecosystem.

Finally, with the entry price still at $0.035, investors have a short window to secure a position before supply tightens. The expected price growth after listing will reward those who act early, especially while demand rises and platform development moves ahead. This is the moment when short-term gains appear strongest, and Mutuum Finance (MUTM) offers one of the most attractive opportunities in the current market. Now is the time to enter before the phase closes and the next price increase begins.

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