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Analysts across the digital asset space are starting to focus on emerging defi crypto projects showing both strong fundamentals and early adoption.

Among them, Mutuum Finance (MUTM) is being viewed as one of the most promising tokens expected to surge 400% after its first potential exchange listing.

The project is building a decentralized lending and borrowing system that will combine real-world use with sustainable token demand. As its presale continues to attract attention, Mutuum Finance (MUTM) is emerging as a key contender for investors looking for the next big cryptocurrency in the world of crypto coins.

Mutuum Finance (MUTM) is now in Presale Phase 6 at a price of $0.035, and 68% of the 170 million tokens allocated for this round are already sold. The next phase will raise the price to $0.040, marking a 15% increase.

The project has already attracted more than 17,200 holders and generated about $17.4 million from its ongoing presale, out of a total supply of 4 billion MUTM tokens.

Those who joined in Phase 1 at $0.01 have already seen their tokens appreciate 250%. Once MUTM reaches its target listing price of $0.06, these early participants will record returns of up to 500%.

Based on the real utility factors, analysts now expect an average 400% rally after listing, additionally driven by the token’s strong market mechanics and staking demand.

Mutuum Finance (MUTM) is not promoting speculation alone. Its foundation lies in two innovative lending models and a buyback-powered reward system, both designed to create long-term value for users and investors.

Recently, a new enhancement has been made to the 24-hour leaderboard system. Every day, the user who claims the top position will receive a $500 MUTM bonus, provided they carry out at least one transaction during the 24-hour period. The leaderboard resets automatically at 00:00 UTC each day.

Mutuum Finance (MUTM) introduces a dual lending approach that brings new efficiency to decentralized finance. Through its Peer-to-Contract (P2C) model, lenders will deposit assets such as USDC, or DAI into audited smart contracts and receive mtTokens 1:1.

For example, a user who deposits $10,000 in USDT will receive mtUSDT representing their share in the lending pool. With an expected average APY of 16%, that investor will earn $1,600 annually in passive income while keeping full control over withdrawals and liquidity.

Borrowers, on the other hand, will use assets like ETH as collateral to access liquidity. A trader posting $1,500 in SOL will be able to borrow up to 75% of its value, or $1,125 in USDT, while retaining exposure to the original ETH position.

This design allows borrowers to stay invested without selling their holdings, which adds practical flexibility to the lending market.

Mutuum Finance (MUTM) also includes a Peer-to-Peer (P2P) lending layer for more volatile tokens such as PEPE or DOGE. Here, lenders and borrowers will negotiate custom rates and terms directly. These higher-risk assets often come with better yields, attracting users seeking above-average returns.

The upcoming lending and staking modules will generate continuous demand for MUTM tokens, as nearly every platform activity will be linked to them.

This natural token utility is expected to strengthen value growth once the platform goes live—placing MUTM on some top cryptocurrencies watchlists and among the best crypto to buy now for utility-driven exposure.

Another major factor behind the 400% rally projection is the platform’s buy-and-distribute mechanism. All revenue from borrowing interest and protocol fees will be used to purchase MUTM tokens directly from the open market. These repurchased tokens will then be distributed among mtToken stakers as rewards.

This approach ensures a continuous cycle of buying pressure and fair reward distribution, reinforcing both price stability and long-term investor confidence.

The higher the platform activity grows, the stronger the buyback flow becomes. This will make Mutuum Finance (MUTM) stand out among top crypto to buy lists for new cryptocurrency projects that depend only on trading hype rather than actual on-chain usage.

Mutuum Finance (MUTM) will launch V1 of the protocol on its Sepolia Testnet in Q4 2025, where ETH and USDT lending modules will be tested as collateral, lending and borrowing before the full beta rollout. The full beta version will go live around the time of the token’s live event, giving users access to real borrowing and staking features from day one.

The system will operate under strict risk controls, including Loan-to-Value (LTV) ratios of up to 75% for stable assets like ETH and stablecoins, and around 40–65% for more volatile ones. Liquidation thresholds will remain automated to protect lenders and maintain full collateralization.

These measures, along with incentives for liquidators, will ensure the platform remains solvent even under volatile market conditions. Mutuum Finance (MUTM)’s audited codebase, overcollateralized lending, and buyback rewards create a clear roadmap for sustainable growth in a crowded DeFi market.

Analysts think that MUTM will have a strong price discovery once it is listed on platforms. This is because it has a working utility, a buyback design, and a growing community of over 17,000 holders. The presale is already 68% over, and the next price increase to $0.040 is coming up soon.

There isn’t much time for investors to get in before prices go up again. As the presale goes on and the launch gets closer, the expected 400% rise after listing is one of the most looked forward to moves in the current defi crypto cycle.

Mutuum Finance (MUTM) is a great chance for people who want what crypto to buy now and look for projects that will grow through use and revenue.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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