Cardano (ADA)’s steady climb toward $5 is turning heads again across the crypto world.

As crypto prices rise, investors are scanning the charts for the next project that will deliver bigger gains.

Among the many new DeFi names, Mutuum Finance (MUTM) is standing out for its clear use cases, real mechanics, and strong presale performance.

Analysts expect it to become one of the most talked-about DeFi launches in 2025 as it builds a complete lending, borrowing, and staking ecosystem.

Mutuum Finance (MUTM) is now in Phase 6 of its presale. The current token price is $0.035, with around $16.90 million raised so far.

More than 60% of the 170 million tokens available in this phase are already sold.

Over 16,800 holders have joined the presale, showing strong early adoption.

Once this phase ends, the next phase will lift the price to $0.040, marking a 15% jump.

For investors, this means the window to buy at a lower rate is closing fast.

With a total supply of 4 billion MUTM, this stage is the last chance to enter before exchange listings begin.

Mutuum Finance (MUTM) will build its core around a dual lending system — Peer-to-Contract (P2C) and Peer-to-Peer (P2P) models.

In P2C, users will lend popular tokens like ETH, BTC, or LINK into secure liquidity pools.

For example, lending $8,000 in LINK will earn $9,200 after a year based on average yields, showing how the platform will reward active lenders.

Borrowers will also benefit by posting collateral and accessing liquidity instantly.

The P2P model will allow users to negotiate directly with others.

Tokens like SHIB or DOGE, which have a higher risk, will find their place here.

Borrowers and lenders will set custom terms, interest rates, and durations.

This flexibility will help users explore higher returns while keeping the main pool safe.

Mutuum Finance has announced that it is developing its own lending and borrowing system.

The first version (V1) will launch on the Sepolia Testnet in the fourth quarter of 2025.

This version will include key features such as a liquidity pool, mtToken, debt token, and a liquidator bot to manage loans safely.

In the beginning, users will be able to lend, borrow, and use ETH and USDT as collateral. 

Mutuum Finance (MUTM) will also bring a new decentralized stablecoin into its system.

This digital dollar will always aim to stay close to $1 in value. It will be created when users borrow against assets like ETH and will be burned once loans are repaid or liquidated.

Interest rates will be managed by Mutuum Finance (MUTM)’s governance team to help maintain the $1 peg.

If the stablecoin ever trades higher, rates will be lowered; if it drops, rates will rise to balance the market.

To support precise pricing, the platform will use Chainlink price feeds.

These oracles will provide live asset values across multiple chains.

Backup data sources, known as fallback oracles, will ensure accurate pricing even during network issues.

The platform will also use DEX data like time-weighted averages for transparency.

This system will make loan management fair and safe for all users.

Investors who hold mtTokens will be able to stake them in special contracts to earn MUTM rewards.

Over time, the platform will use its revenue to buy back MUTM tokens from the open market.

The bought tokens will then be given as rewards to mtToken stakers. This steady cycle will keep user engagement high and reward long-term participants.

Mutuum Finance (MUTM) will keep its lending system balanced through a clear rate model.

When pool liquidity is high, rates will stay low to attract borrowers. When liquidity tightens, rates will rise, drawing in more deposits.

This system will help the platform stay efficient and reward both lenders and borrowers fairly.

The roadmap for Mutuum Finance (MUTM) moves through four major phases.

Phase 1 is mostly completed, including the presale start, audits, tracking platform listings, and the launch of an AI helpdesk.

Phase 2 will focus on building smart contracts, front-end and back-end systems, and analytics tools.

Phase 3 will move to testing, demo launches, exchange preparation, and external audits.

Finally, Phase 4 will bring the live platform, MUTM exchange listings, multi-chain expansion, and institutional partnerships.

Security will stay a key focus. Mutuum Finance (MUTM) has a CertiK audit with a TokenScan Score of 90 and a Skynet Score of 79.

A $50,000 bug bounty will reward users who report issues, offering up to $2,000 for critical bugs.

Alongside this, a $100,000 giveaway will let ten winners receive $10,000 worth of MUTM tokens each, encouraging community participation.

As the price of cryptocurrencies keeps going up and ADA gets closer to its $5 goal, Mutuum Finance (MUTM) is looking like it could be one of the most exciting new projects in DeFi.

Since 60% of Phase 6 has already been sold and the next price increase is coming up soon, this presale is your chance to get in before everyone else does.

Mutuum Finance (MUTM) is a great early-stage chance for investors looking to invest in crypto beyond traditional altcoins.

It is ready to lead the next wave of decentralized finance.

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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