2025-10-11 10:38 |
Crypto markets are heating up again. As investors anticipate XRP’s long-awaited move toward $5, traders are also searching for earlier opportunities in projects with higher short-term upside.
While XRP remains a favorite among long-term holders, analysts are now tracking a newer token that is quickly gaining traction — Mutuum Finance (MUTM).
Strong presale outlookThe Mutuum Finance (MUTM) presale is currently in Phase 6 and has already generated around $17.05 million, combining all phases.
The current price stands at $0.035, and more than 16,850 holders have joined the ecosystem so far since the presale began. About 60% of the 170 million tokens allocated for this phase are already sold. The total supply stands at 4 billion tokens.
The team has confirmed that its lending and borrowing protocol V1 will launch on Sepolia Testnet in Q4 2025, including a Liquidity Pool, mtToken, Debt Token, and Liquidator Bot, with ETH and USDT set as the first assets for lending, borrowing, and collateral.
How Mutuum Finance (MUTM) worksMutuum Finance (MUTM) is being developed to create a decentralized finance network that runs entirely through smart contracts. Its phased presale structure allows early investors to join before listings, with each stage offering slightly higher prices. This design rewards those who enter early and stay through launch.
In Peer-to-Contract (P2C) lending, lenders will supply assets like ETH, BTC, or stablecoins to shared liquidity pools. These pools are managed by the protocol to generate real on-chain yield.
For instance, a depositor who supplies $20,000 worth of ETH will receive 20,000 mtETH in return, maintaining a 1:1 ratio. With an average annual yield near 12%, this lender will earn $2,400 in one year. The rate depends on pool utilization. The more demand there is for borrowing, the higher the yield for lenders.
Borrowers, on the other hand, will post collateral to unlock loans. For example, if a user deposits $2,000 worth of BTC as collateral, and BTC’s loan-to-value (LTV) ratio is 70%, they can borrow $1,400 in stablecoins.
Interest will build per block, and borrowers can repay anytime as long as liquidity remains available. If the Stability Factor — an internal safety index — drops too low, the position will be automatically flagged for liquidation.
Stability factor and liquidity controlsThe Stability Factor is calculated by tracking data from Chainlink price oracles, moving averages, volatility measures, and LTV ratios. When it falls below safe limits, the system begins partial liquidation instead of liquidating all at once.
This method helps prevent large sell-offs and keeps the platform stable. The protocol also uses auction-style liquidations, where liquidators buy collateral at small discounts, clearing the debt while keeping market prices steady.
During fast-moving markets, deep liquidity will play a vital role. When assets drop suddenly, larger liquidity pools help reduce slippage and avoid panic sales. For example, with an LTV of 75%, a 20% drop in collateral price in one day might trigger partial liquidation.
The protocol responds by opening a controlled auction window and rewarding liquidators slightly more to cover the gap. This maintains balance and protects lenders.
Security is another major focus. Mutuum Finance (MUTM) has already completed a CertiK audit with high scores. It has also launched a 50,000 USDT bug bounty program, offering rewards from $200 for low-level discoveries up to $2,000 for critical findings.
Alongside this, the project is running a $100,000 giveaway that will select ten winners, each receiving $10,000 worth of MUTM tokens.
The live Mutuum Finance (MUTM) dashboard lets users link their wallets, see their holdings, and figure out how much money they could make. The Top-50 leaderboard gives the biggest holders more MUTM tokens as a prize, which encourages people to take part.
With 60% of Phase 6 now sold and the next phase poised to rise to $0.04, a 15% hike, Mutuum Finance (MUTM) looks primed to get a lot more investors.
As crypto prices go up and down and traders get ready for the next XRP milestone, this project is one of the greatest tokens to keep an eye on for short-term gains and long-term value in the DeFi market.
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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