Cryptocurrency presale
A new generation of DeFi platforms, projects focused on actual utility rather than hype, are starting to take shape.
Mutuum Finance (MUTM) is one of these outstanding protocols. Designed to make decentralized lending more predictable, transparent, and valuable. The team plans to release version 1 of the protocol to the Sepolia testnet in Q4 2025, bringing the core lending mechanism and collateral system up and running. In a market that is often driven by speculation, Mutuum’s product-first strategy makes it a strong contender for those looking for a strong crypto investment.
Mutuum Finance (MUTM) is currently in phase 6 of pre-sale. The total supply of tokens is 4 billion and the current price is $0.035. The next step will increase the price to $0.040, reflecting a 20% increase. Approximately 87% of this phase has already been sold and is rapidly approaching the 90% level. To date, more than $18.5 million has been raised and more than 17,800 holders have participated. Tokens can be purchased with cards without a limit, making it easy for new participants to join before the price increases. This speed shows strong investor confidence in a new crypto coin that focuses on delivery rather than promise.
Product-driven design and core architecture
Version 1 of Mutuum Finance (MUTM) includes all the building blocks needed for a functioning DeFi ecosystem. Liquidity pools allow users to park their assets and earn interest. When someone makes a loan, they receive an mtToken, a digital receipt that tracks deposits and earnings. Borrowers receive debt tokens representing unpaid obligations. This simple structure makes it easy for users to understand how their funds move within the system.
If the value of the collateral falls too low, the platform’s liquidator bot will handle automatic liquidations. By buying back debt positions at a discount, we maintain ecosystem stability and ensure that lenders do not lose money due to borrower defaults. Version 1 will initially support ETH and USDT. This asset mix helps maintain predictable liquidity and smooth liquidation during initial testing.
Mutuum Finance (MUTM) will also incorporate a stablecoin system. When users lock their collateral, a decentralized stablecoin pegged to $1 is minted. Once the user repays or the loan is liquidated, the stablecoin is burned. Every mint and burn event creates transaction demand for MUTM, as platform fees and collateral rebalancing require interaction with tokens. This continuous on-chain activity keeps the ecosystem active and ensures that tokens are put to real use across lending, staking, and buyback modules.
Stable interest rate model and stability coefficient
The platform’s interest rate mechanism balances flexibility and fairness. Borrowers who prefer dynamic interest rates will experience interest rates that fluctuate based on pool usage. As liquidity is used, rates increase to attract more deposits. When liquidity is plentiful, interest rates fall. If you want stable repayments, you can choose the “stable interest rate model.” This system locks in a stable interest rate at the time of borrowing, calculated from a floating rate and a weighted average of key market factors. Stable rates start out slightly higher than variable rates because they give the borrower more predictability.
The protocol also applies rebalancing rules to maintain overall system stability. When the supply rate drops below 90% of the total volatility, the system increases the stability rate to fill the gap. Only stable, low-volatility assets such as ETH and USDT are eligible for stable interest rate borrowing to maintain healthy liquidity.
All loans are overcollateralized. Mutuum uses a stability factor to ensure that a borrower’s collateral is above a safe threshold. When the collateral falls below the limit, the system will trigger a liquidation. The liquidator then buys back the debt at a discount to ensure that bad debts never threaten the stability of the pool. This automated process maintains trust and protects the entire ecosystem.
Security, incentives, and community involvement
Mutuum Finance (MUTM) has already undergone an audit by blockchain security giant CertiK. This process inspects smart contracts to ensure their safety and transparency. In addition to this, the platform has allocated $50,000 to its bug bounty program. Awards range from $200 for minor issues to up to $2,000 for major findings. These efforts demonstrate Mutuum’s commitment to creating a secure environment that meets the high standards expected by major exchanges and institutional investors.
User engagement is already a huge strength. Live dashboards allow investors to model returns, see stock holdings, and plan reinvestments. Leaderboards are an added bonus. The leaderboard updates every 24 hours and the top traders of the day will receive $500 worth of MUTMs. To qualify, users must complete at least one transaction within a 24-hour cycle. The top 50 participants will also receive a small bonus. This system promotes consistent activity and keeps trading volumes flowing.
Open market repurchase
Revenues from platform operations are directly reflected in share buybacks. Proceeds from lending and borrowing will be used to purchase MUTM on the open market, and the redeemed tokens will be distributed to mtToken stakers. This series of actions—user activity generates fees, fees fund buybacks, and buybacks reward stake—creates a sustainable feedback loop that strengthens long-term value and reduces selling pressure.
Early-stage investors are already seeing strong returns. A $3,000 entry at $0.025 in Phase 4 secured 120,000 tokens. At today’s price of $0.035, that holding is worth $4,200. As the project’s valuation expands, the same stake reaches $8,400 at 200% growth, $12,600 at 300%, and over $63,000 at a 15x cycle. These simple examples demonstrate the clear benefits of participating before the next phase.
Mutuum Finance (MUTM) is positioning itself for wider recognition. The team’s focus on real-world capabilities, stable lending models, and audit-backed security makes it attractive to both retail and institutional investors. With over 12,000 Twitter followers, a $100,000 giveaway, and a transparent roadmap, its social presence is rapidly growing.
Phase 6 is rushing towards 90% completion. The next price level, $0.040, represents a 20% increase and is one of the last entry points before stepping up. Interested investors can make purchases directly with the card, access the dashboard, join leaderboards, and follow Sepolia V1 development updates. For those looking for a serious cryptocurrency investment based on real technology, Mutuum Finance (MUTM) is emerging as the next big cryptocurrency.
For more information on Mutuum Finance (MUTM), please visit the link below.
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Krasimir Roussev is a journalist with many years of experience covering cryptocurrencies and financial markets. He specializes in digital asset analysis, news and forecasts, providing readers with detailed and reliable information on the latest market trends. His expertise and professionalism make him a valuable resource for investors, traders, and anyone following developments in the crypto world.