While most traders watch Bitcoin (BTC) and Ethereum (ETH) for price swings, the real breakout action is quietly happening in presale markets.

Mutuum Finance (MUTM) is leading this charge, steadily climbing from $0.01 in its early presale to $0.035 in Phase 6.

With Phase 7 poised at $0.04, traders are witnessing a 15% upcoming increase, making MUTM the next crypto targeting $1 by 2026.

This presale momentum is attracting attention, creating strong FOMO among early investors who want exposure before the price rises further.

Mutuum Finance (MUTM) is built on a dual lending model, combining Peer-to-Contract (P2C) and Peer-to-Peer (P2P) strategies to maximize utility and adoption.

The presale has already raised around $16.50 million during Phase 6, with over 16,650 holders securing positions in the 4 billion total supply.

Currently priced at $0.035, half of the 170 million token supply for this phase has already been sold.

Phase 7 will increase the price to $0.04, reflecting a 15% jump. 

The platform has undergone a rigorous CertiK audit, including manual review and static analysis, achieving a TokenScan score of 90.00 and a Skynet score of 79.00.

The project maintains strong social credibility with 12,000+ Twitter followers, an active $50,000 bug bounty pool, and an ongoing $100,000 giveaway.

The P2C lending model is straightforward yet powerful. A depositor can lend $15,000 USDT to a stablecoin pool, receiving mtUSDT on a 1:1 basis.

With average pool utilization generating 15% APY, the lender earns $2,250 annually, providing steady passive income.

These mtUSDT tokens can also be used as collateral for borrowing other assets, boosting liquidity and enhancing the lending ecosystem.

Stablecoin pools attract long-term lenders, ensuring MUTM maintains a solid liquidity foundation for growth.

On the borrower side, users can leverage their ETH holdings.

Locking $1,000 worth of ETH allows the borrower to access $750 in stablecoins at a 75% loan-to-value ratio, retaining market exposure while unlocking capital.

The system is designed with robust collateralization and liquidation thresholds—ETH is set at 75% LTV with an 80% liquidation trigger, while more volatile assets have 40–50% LTV capped at 65% for liquidation.

The stability factor ensures solvency across the protocol, shielding users from systemic risks and maintaining confidence.

P2P lending caters to risk-tolerant investors. Meme coins like DOGE and PEPE are isolated in these pools, allowing lenders to earn higher returns without affecting the main stablecoin

liquidity. This separation ensures the platform remains resilient while offering diversified earning opportunities.

Mutuum Finance (MUTM) offers multiple avenues for value growth that are set to increase demand in the coming months.

The upcoming beta launch will allow investors to experience the full dual lending features that will drive the demand up and build user confidence. 

The integration of Layer-2 solutions will drastically reduce transaction costs and increase processing speed compared to Layer-1 alternatives.

This technical upgrade will support higher adoption by making the platform more accessible for lenders and borrowers.

Additionally, the stablecoin mechanics and dual lending model will provide consistent utility, ensuring that MUTM serves a real purpose beyond speculation.

The platform’s roadmap includes potential listings on major exchanges like KuCoin and MEXC.

These listings will increase visibility, allowing a broader audience to access the token and engage with its real-world applications.

With more users testing and interacting with the lending and borrowing features, MUTM’s demand is likely to expand.

The current dashboard and Top 50 leaderboard features firsthand, giving users the ability to track holdings, calculate ROI, and compete for bonus tokens.

These interactive tools are expected to enhance engagement and foster community participation, creating more reasons for investors to acquire MUTM.

People who bought $10,000 worth of MUTM at $0.01 in Phase 1 now have 1 million tokens that are worth $35,000 at the Phase 6 price.

At $0.06, when it goes public, that investment will be worth $60,000. By 2026, it is predicted to be worth $1 each token, which would make it worth $1 million.

Even new investors who buy in at $0.035 in Phase 6 can see their investment grow by over 28X by the target date, which makes the token even more tempting in a market that isn’t sure what to do.

If you’re not sure if crypto is a solid investment, Mutuum Finance (MUTM) presents a convincing case for it.

It has loan yields, P2P innovation, access to beta launches, Layer-2 integration, stablecoin pools, and new exchange listings on the way.

People are still talking about the crypto meltdown today and making guesses about what will happen next.

MUTM is going to be a real treasure in 2025 because it gives you a chance to get all three: utility, security, and growth.

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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