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There is a lot of hype and uncertainty in the crypto market, but not many projects demonstrate proof of progress. One such uncommon example is Mutuum Finance (MUTM). The token’s value has already gone up 250% from the first presale phase, from $0.01 to $0.035.

This growth shows that people are starting to trust the platform and that it is gaining speed before it fully launches. As the next bull run gets closer, Mutuum Finance (MUTM) is becoming one of the most important crypto projects to keep an eye on, often appearing on shortlists of what crypto to invest in and what crypto to buy now among long-term allocators.

The presale of this new cryptocurrency is now in Phase 6, and it is still growing quickly. There will be 4 billion MUTM tokens in total. So far, more than 17,300 people have joined and raised over $17.42 million.

The next price will be up by 15% to $0.04 because 68% of this phase has already sold out. A Phase 1 investor who bought $10,000 worth of MUTM at $0.01 now has $35,000 worth of it.

When the token reaches the expected listing price of $0.06, that same position will stand at $60,000, and at a post-launch target of $0.18, it will grow to $180,000.

That kind of performance already places Mutuum Finance (MUTM) in the league of top cryptocurrencies heading into the new cycle and on several “top crypto to buy” screens used by altcoin researchers.

Mutuum Finance (MUTM) is not just another presale token—it is a full lending and borrowing ecosystem. The platform will support two major models that work together to create real activity and steady demand.

In the Peer-to-Contract (P2C) system, lenders will be able to add assets like BTC or USDT into smart contracts. These assets will earn attractive returns while staying fully backed by blockchain verification.

For instance, when a lender adds $10,000 worth of BTC-equivalent to the platform, they will earn around 14% APY. That is about $1,400 in annual income, distributed through mtBTC tokens that reflect their pool share.

Borrowers will also benefit from this system. Suppose a user adds $1,200 worth of ETH as collateral. They will be able to borrow $700 in USDT without selling their crypto. This keeps their exposure to ETH while allowing them to use liquidity for other opportunities.

Such flexibility is what defines Mutuum’s goal—to let users manage capital efficiently while maintaining control of their assets.

For those who like more control, the Peer-to-Peer (P2P) system will offer custom lending terms. Users will be able to lend and borrow directly with each other.

This will work well for meme tokens and emerging coins that might not fit into shared pools. Lenders in this system will be able to earn higher yields, sometimes crossing 25% APY, depending on the agreement.

These two models together make Mutuum Finance (MUTM) one of the most practical systems for both conservative and adventurous traders. For readers asking which crypto to buy today for long-term positioning, this structure is a key reason analysts also tag MUTM as a next big crypto candidate.

This user-focused structure will make Mutuum stand out when DeFi capital returns during the next bull market. The platform has planned to launch the V1 of the protocol on the Sepolia Testnet in Q4 2025, making it ready for immediate utility once the token lists.

This version will feature key components like a liquidity pool, mtToken, debt token, and a liquidator bot to ensure safe and efficient operations. At first, users will be able to lend, borrow, and use ETH or USDT as collateral with ease.

As crypto charts begin to show rising activity again, Mutuum’s dual model will help it attract both traditional and new investors searching for stable yield options.

Mutuum Finance (MUTM) is designed around long-term demand. Every transaction on the platform will feed into a buy-and-distribute system. This means that fees from lending and borrowing will be used to buy MUTM tokens from the open market.

These tokens will then be distributed as rewards to mtToken stakers.

This creates a continuous demand cycle where user activity directly supports the token’s value. Stakers will earn consistent MUTM rewards backed by actual platform usage.

This is not an inflation-based reward system—it is powered by real revenue, which gives the token sustainable growth strength. This is why some long-term allocators include MUTM among the best cryptocurrency to invest in for the coming cycle.

Additionally, the platform’s beta version is expected to be launched with the token live event. The synchronized launch will make sure that new investors find a ready-to-use ecosystem, not just promises. It will also help Mutuum capture early liquidity as users begin moving funds during the next market rally.

Mutuum Finance (MUTM) has also built safety into its design. Loans will remain overcollateralized to protect the protocol. Assets like ETH and stablecoins will have up to 75% loan-to-value ratios, while more volatile tokens will stay near 65%. This structure will keep the platform balanced and solvent.

Liquidators will help maintain stability by repurchasing debt at discounts when needed, keeping risk under control for all users. The safety brings reliability and more and more investors will rely on this platform with their huge investments for the longer run.

The crypto fear and greed index is now leaning more toward hope. In the past, real-yield initiatives have been the most successful in fresh bull markets when things change like this. Mutuum Finance (MUTM) has already shown early success with a 250% rise in the presale.

The price will go up to $0.04 in the next phase of the presale. This means that people who buy now still have a short time to get in before the next jump.

When the lending platform, staking pools, and repurchase engine all go operational, demand will probably go up a lot. This project is already showing why it should be one of the best cheap crypto to buy now as the next bull market gets closer.

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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