Ethereum (ETH) continues to lead decentralized finance, but new players are now expanding its potential.

One of the most talked-about projects is Mutuum Finance (MUTM), an Ethereum-based altcoin that is catching the eye of analysts across the market.

With its innovative lending model and fast-moving presale, it is becoming one of the most attractive crypto investment opportunities this October.

Mutuum Finance (MUTM) is building a smart ecosystem where users will lend, borrow, and earn directly through automated smart contracts.

The project has already reached major attention in its presale, raising $17.12 million while entering the final stretch of Phase 6.

The Mutuum Finance (MUTM) presale continues to move rapidly, with 62% of the current Phase 6 tokens already sold. The token price is $0.035, and over 16,850 holders have joined the community.

Analysts expect the price to increase by 15% to $0.040 once Phase 7 begins, making this stage one of the last chances for early investors to join before the next price jump.

Mutuum Finance (MUTM) plans a total token supply of 4 billion MUTM. The ongoing presale has drawn increasing attention because of its structured roadmap and advanced audit completion. 

The team has revealed that it is designing a new platform for lending and borrowing cryptocurrencies. The first version, called V1, will be launched on the Sepolia Testnet by the end of 2025.

It will include core features such as a liquidity pool, mtToken, debt token, and a liquidator bot to make the system run efficiently.

At the start, users will be able to lend, borrow, and use ETH or USDT as collateral in a simple and safe way.

The platform’s dual lending design is one of the reasons experts consider it a strong contender among new crypto coins.

It introduces two systems—Peer-to-Contract (P2C) and Peer-to-Peer (P2P)—that will make lending and borrowing both efficient and flexible.

In the P2C model, users will deposit assets such as ETH or DAI into secure smart contracts and receive mtTokens in return.

For example, a user lending $20,000 in USDT will earn about 14% annual returns, gaining around $2,800 in passive income each year. 

Borrowers, on the other hand, will post collateral like $5,000 worth of ETH and borrow up to $3,750 at 75% loan-to-value (LTV), keeping their exposure to ETH’s market growth while accessing liquidity.

For more volatile tokens such as SHIB or DOGE, the P2P option will allow users to negotiate custom lending terms directly, maintaining safety while offering higher potential yields.

This flexibility positions Mutuum Finance (MUTM) as a next-generation platform in crypto investing.

Another key reason analysts rank Mutuum Finance (MUTM) among the top crypto coins to buy in October is its planned decentralized stablecoin system.

The stablecoin will stay pegged to $1 and will only be created when users borrow against approved collateral such as ETH or USDT.

When loans are repaid or liquidated, the stablecoin will automatically be burned, ensuring balance and long-term stability.

Borrowing rates will adjust automatically to help the stablecoin maintain its $1 peg. When the price is below $1, rates will increase to reduce borrowing; when it is above $1, rates will decrease to attract new borrowers.

This balance between demand and borrowing will make the Mutuum Finance (MUTM) ecosystem self-stabilizing and sustainable.

The project also plans to use Chainlink price feeds and on-chain data to keep asset valuations accurate. Liquidity pools will adapt dynamically—when liquidity is high, rates will stay low; when it is low, they will rise to attract deposits. This mechanism ensures that lending and borrowing remain smooth across changing market conditions.

Mutuum Finance (MUTM) follows a four-phase roadmap that outlines its growth path.

The roadmap involves the development of smart contracts, DApp interfaces, and internal testing.

The coming stages will include beta testing, exchange listing preparations, and full platform launch with institutional partnerships and multi-chain integration.

Security remains a top priority. The project’s $50,000 Bug Bounty Program will reward users who identify critical issues, with top rewards reaching $2,000.

A separate $100,000 giveaway will reward ten early community members with $10,000 worth of MUTM each, reinforcing user engagement and long-term support.

The goal of Mutuum Finance (MUTM) is to combine the benefits of decentralized lending with a real, stable way to make money.

It wants to connect borrowers who need cash with lenders who want a safe way to make money without doing anything.

This will create a loop of genuine yield backed by clear on-chain data.

As analysts keep talking about new DeFi protocols, Mutuum Finance (MUTM) stands out since it has a clear presale, excellent technical audits, and a useful goal.

The Phase 6 presale is already 62% full. Investors who want to get in early need to act before the next 15% price rise to $0.040.

Mutuum Finance (MUTM) is one of the best crypto coins to follow on Ethereum, and October seems like the month it will prove why.

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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