Polygon (POL), previously known as MATIC, is one of the most well-known coins in the crypto sector. In the first quarter of 2025, POL performed quite well. However, it has since lost momentum, and its price is down by double digits.
The major gains expected from the Pol rebrand did not materialize, which has left investors looking for options elsewhere in the market. So far, one project that is getting a lot of attention is Mutuum Finance (MUTM). The project is currently in the presale phase, which has been a blazing success.
Let us deep dive into Mutuum Finance (MUTM) and discover when analysts forecast 3700% gains for the tokens when they go live.
The MUTM Token Presale
Mutuum Finance (MUTM) is currently in phase 5 of its presale, where tokens are going for $0.03. In the current phase, over $11.3 million has been raised from around 12,500 unique buyers. The price of MUTM tokens has been rising since phase 1, when they were priced at $0.01.
These price increases will proceed until the final listing price of $0.06. As such, the current price is a 50% discount on the planned listing price, which presents a massive opportunity to make huge gains. So far, many investors have taken advantage of this opportunity, with 50% of the tokens set aside for the current phase already sold.
Besides the massive discount on the token price, another major driver of interest in the presale is the CertiK audit. With a premium placed on trust in the crypto sector, the CertiK audit results continue to drive participation in the presale. Mutuum Finance (MUTM) receives a Token Scan Score of 95 from CertiK, which signals that this is a safe project to invest in.
To preserve the security of the Mutuum Finance ecosystem, the team has recently announced an ongoing partnership with CertiK. The partnership will be on a $50,000 USDT bug bounty program. This program will be split into four tiers, which are critical, major, minor, and low.
In the program, Mutuum Finance (MUTM) aims to cultivate lasting partnerships with the global security community. Rewards in the program will be given out based on the severity of a vulnerability. That will incentivize security experts to focus their efforts on issues that might impact the long-term stability of the ecosystem.
Mutuum Finance (MUTM) Protocol
Mutuum Finance is a decentralized non-custodial protocol where users can participate as lenders, borrowers, or liquidators. As lenders, they can deposit their assets into the protocol to earn interest. The interest payments they receive are based on the pool utilization rate.
To determine the utilization, the protocol checks the total value of assets in a pool versus the assets being actively borrowed. As the utilization rate increases and the interest rate rises, it pushes borrowers to repay their loans.
At the same time, it incentivizes lenders to deposit more assets to benefit from the rising interest rates. The result is that the ecosystem automatically achieves optimal capital utilization.
To protect lenders’ assets in the protocol, Mutuum Finance has put numerous safeguards in place. One of the safeguards they have is the loan-to-value ratio. This parameter determines how much a loan taken from the protocol is collateralized.
While all loans taken from the protocol must be over-collateralized, the degree to which that happens depends on various factors. Those factors mainly focus on the challenge that a given asset poses to the long-term stability of the ecosystem.
For instance, stable assets like stablecoins will receive a more relaxed LTV compared to meme coins. To ensure that the protocol can respond adequately to sudden shifts in the price of collateral, it has implemented the reserve factor. This is a portion of the interest rate paid by borrowers that is sent to an aggregated pool.
The pools in the reserve factor are called upon when market movements pose a challenge to the solvency of the ecosystem. In addition, the protocol has implemented a liquidation trigger. The liquidation event occurs when the value of collateral falls below a set limit.
Liquidators then step in and purchase the debt at a discount. To ensure that liquidators act fast enough, the discount they receive can be increased.
Mutuum Finance will also carefully monitor market conditions. For instance, if yields on external platforms rise significantly compared to those offered on the protocol, the team can adjust protocol parameters. That will ensure that arbitrageurs do not take advantage of the mismatch to siphon liquidity from the ecosystem.
Conclusion
While 2025 has been a major letdown for Polygon (POL) holders, the future looks bright with Mutuum Finance (MUTM). The ongoing presale presents a massive opportunity for growth. Based on the current momentum in the presale, analysts forecast that the token price could rise 37x when they go live. With a massive 50% discount in the current presale phase, this is one opportunity you do not want to miss.
For more information about Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
The post MUTM Could Be The Best Coin For 3700% Gains In Q3 As Polygon (POL) Loses Momentum appeared first on Blockonomi.
Source: https://blockonomi.com/mutm-could-be-the-best-coin-for-3700-gains-in-q3-as-polygon-pol-loses-momentum/