Every bull market has a breakout story, and according to many in the crypto industry, that story in 2025 could belong to Mutuum Finance (MUTM). Priced at just $0.035 in the ongoing presale, this token has strong long-term upside potential and is attracting the attention of investors looking for the best cryptocurrencies under $0.75. As the project approaches the launch of its V1 protocol and raises more than $18 million, it is quickly emerging as one of the crypto tokens to watch before the next market cycle begins.
Mutium Finance (MUTM)
Mutuum Finance (MUTM) is developing a non-custodial liquidity protocol that allows users to securely lend and borrow cryptocurrencies using automated smart contracts. The goal is to make decentralized finance (DeFi) safer, more transparent, and more efficient for everyone, from individual investors to institutional investors.
At the heart of the protocol is a peer-to-contract (P2C) model. This system allows users to supply cryptocurrencies to a shared liquidity pool and automatically earn revenue. When someone deposits a token, they receive an mtToken that represents both their deposit and the interest earned on it. For example, depositing 3 ETH will give the user 3 mtETH, which will gradually increase in value over time as borrowers pay interest into the pool. This simple mechanism allows anyone to earn passive income from idle cryptocurrencies.
The second component is a peer-to-peer (P2P) marketplace that allows users to create direct financing agreements for less common assets. Here, the borrower can fix either a variable or stable interest rate depending on market conditions. For example, a person borrowing a stablecoin may choose a stable interest rate to avoid future fluctuations, while another user may choose a floating rate to benefit from lower short-term costs.
Mutuum Finance also enforces strict loan-to-value (LTV) ratios to maintain system stability. For example, stable assets such as ETH and USDT can reach LTVs of up to 75%, while more volatile assets are limited to around 40%. If the value of a borrower’s collateral falls too much, automatic liquidation occurs to protect the lender. This mechanism maintains balance and reduces the risk of bad debts. This has been a challenge for many DeFi protocols in the past.
Successful presale and increase in investors
Mutuum Finance’s presale has become one of the most talked about in the DeFi cryptocurrency scene. Currently in phase 6, each token costs $0.035. The next stage will increase the price to $0.04, followed by a confirmed launch price of $0.06. This represents a potential 500% increase in MUTM for Phase 1 participants.
Of the total 4 billion tokens, approximately 1.82 billion (45.5%) will be allocated to the pre-sale. This structure provides transparency and limits the risk of oversupply while ensuring sufficient liquidity for ecosystem growth. So far, the presale has raised over $18 million and attracted over 17,600 holders, making it one of the best-performing new crypto launches of the year.
Early participants have already received notable recognition. The tokens, which were initially available for around $0.01-0.02, have now more than doubled in value. Each new phase is selling out faster than the previous one, indicating strong and accelerating demand.
To keep engagement high, Mutuum Finance will run a 24-hour leaderboard and reward the top daily presale contributors with $500 worth of MUTM tokens. Not only does this encourage continued participation, but it also increases transparency in your fundraising efforts.
Mutuum Finance recently introduced card payments with no purchase limit for direct token purchases, making it easy for new entrants to participate without the need for complex cryptocurrency wallets. The move opened up the presale to a wider audience and stimulated a new wave of demand.
V1 launch and CertiK security audit
The next important step for Mutuum Finance is the launch of the V1 protocol, which is scheduled to go live on the Sepolia testnet in Q4 2025. This version includes the core components of the platform: liquidity pools, mtToken yield system, debt tokens, and automated liquidator bots to handle under-collateralized positions. Initially, we will support ETH and USDT, chosen for their liquidity and stability.
Importantly, Mutuum Finance has already undergone a CertiK security audit and received a score of 90/100 on the Token Scan Report. CertiK is one of the most respected auditing firms in the cryptocurrency space, and such a high score increases investor confidence ahead of the launch. In addition, the project runs a $50,000 bug bounty program to further strengthen the security of its code before mainnet deployment.
Although Mutuum Finance’s team avoids making exaggerated claims, several independent analyst reports speculate that MUTM could outperform many mid-cap DeFi coins if it goes live. Based on pre-sale metrics, limited token allocation, and a clear use case, price targets range from $0.35 to $0.55 in the post-launch months. This could be an increase of approximately 10x to 15x from the current presale price.
These predictions are based on realistic metrics such as strong pre-sale performance, verified security, and viable products on the horizon. Coupled with community growth and whale participation, market momentum appears to be sustainable rather than speculative.
Why Mutuum Finance stands out
In addition to lending, Mutuum Finance also plans to issue its own USD-pegged stablecoin that will be overcollateralized by in-protocol loans. This stablecoin will be minted and burned on demand, ensuring stability and reducing oversupply. It is designed to act as a self-sustaining part of the ecosystem, allowing users to access liquidity without leaving the platform.
The project also plans to expand to layer 2 networks such as Arbitrum and Optimism to make transactions cheaper and faster. This multi-chain vision aligns Mutuum Finance with current DeFi trends, where scalability and cross-chain compatibility are becoming increasingly important for long-term growth.
Few new crypto coins offer as much clarity and progress as Mutuum Finance. Our detailed roadmap, audited contracts, and active community prove that we’re more than just a presale. With Phase 6 allocation over 80%, remaining supply is quickly selling out, driven by both retail and six-figure whale investments. These growing contributions suggest growing confidence from experienced investors and are often seen as an early sign of future market strength.
With the V1 testnet rapidly approaching and strong fundamentals in place, Mutuum Finance (MUTM) continues to establish itself as one of the hottest cryptocurrencies of 2025.
For more information on Mutuum Finance (MUTM), please visit the link below.
Website: https://www.mutuum.com
Link tree: