Ethereum (ETH) remains the anchor of decentralized finance, but new ETH-linked projects are beginning to attract stronger attention.

Among them, Mutuum Finance (MUTM) stands out as one of October’s most talked-about names. Analysts are already calling it one of the best crypto investment opportunities of the month.

The presale has crossed $16.96 million so far, and will hit the full $17M mark anytime. The project is now in Phase 6, with 60% of its 170M-token allocation already taken.

The current price is $0.035, while the next phase will list at $0.040, marking a 15% rise. Total supply stands at 4B MUTM, and more than 16,850 holders are on board. 

Mutuum Finance (MUTM) will operate as an ETH-based DeFi lending and borrowing ecosystem. It will feature two distinct layers: Peer-to-Contract (P2C) and Peer-to-Peer (P2P).

In the P2C system, users will deposit assets such as ETH or USDT into audited liquidity pools. They will receive mtTokens in return, representing their pool share.

These mtTokens will accumulate interest over time and can also be used as collateral for borrowing. For example, a lender who will deposit $15,000 in USDT will receive mtUSDT 1:1 and will earn an average yield of around 15% APY.

On the other side, borrowers will post assets like ETH as collateral and will be able to borrow stablecoins up to defined loan-to-value ratios.

All loans will be overcollateralized to protect liquidity providers. When collateral values drop below safety thresholds, Mutuum Finance (MUTM)’s automated liquidator bot will step in to stabilize the pool.

The P2P layer will handle more volatile tokens separately. It will allow lenders and borrowers to set their own terms, keeping the core pool safe from exposure to high-risk assets.

Together, these two layers will give Mutuum Finance (MUTM) a strong advantage over most DeFi competitors.

The CertiK audit will include manual review and static analysis, with a TokenScan score of 90.00 and a Skynet score of 79.00.

The audit timeline was first requested for February 25, 2025, and revised to May 20, 2025. With over 12,000 Twitter followers and Phase 6 nearing completion, investor urgency is rising fast.

The Mutuum Finance (MUTM) protocol will include a Stable Interest Rate Model that will bring predictability to borrowers. A stable borrower will lock a rate near the weighted average of recent variable rates. This will start slightly higher than the variable rate, but the cost will stay predictable.

When the supply rate drops to 90% or lower of the variable rate, the system will rebalance automatically. Not every token will qualify for this feature, which will keep risk levels controlled.

Mutuum Finance (MUTM)’s oracle system will also stand out. The platform will use Chainlink as its primary data source.

In addition, fallback oracles, aggregated feeds, and DEX time-weighted average prices will ensure accurate valuations even during high volatility. This design will help reduce false liquidations and keep pool returns stable.

Its utilization-based rate model will create a self-balancing market for liquidity. When pool usage is low, borrowing will stay cheap.

As utilization rises, rates will increase to attract new deposits. For example, when utilization will climb from 40% to 80%, borrowing costs will rise, prompting more lenders to add liquidity. This loop will raise total value locked (TVL) and strengthen revenue tied to MUTM token demand.

The protocol will also maintain a reserve factor. A portion of interest collected from borrowers will stay on-chain to support insurance and treasury functions.

This will connect directly to the MUTM staking and governance system. By growing these reserves, Mutuum Finance (MUTM) will build lasting yield support for its users.

The Mutuum Finance (MUTM) roadmap will follow four clear stages. Most of Phase 1 will already be executed, including the presale, marketing, giveaways, and the external audit. Phases 2 through 4 will bring full product deployment.

The good news is that the Sepolia Testnet V1 will launch in Q4 2025 with the Liquidity Pool, mtToken, Debt Token, and Liquidator Bot modules. A full beta version will follow, expectedly when the token goes live, then an exchange listing is planned once audits and compliance checks are complete.

Security will remain a strong trust factor. The $50,000 USDT bug bounty will reward ethical hackers who find vulnerabilities — critical issues will earn up to $2,000.

The ongoing $100,000 giveaway will select ten winners to receive $10,000 worth of MUTMs each. These programs will support transparency and community growth.

Early investors can already see impressive statistics on crypto charts that show presale ROI. A Phase 1 buyer who paid $0.01 now has a paper gain of 3.5x, or 250%. A Phase 6 participant at $0.035 will see their value go up by 15% when Phase 7 starts at $0.040.

Analysts are putting Mutuum Finance (MUTM) among the best cryptos for October because it has been steadily rising in value and is part of an ecosystem that is useful.

With 60% of Phase 6 sold and demand growing, time is running out. People who connect their wallets today will lock in their allotment before the next price rise.

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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