Every crypto investment season brings new projects that combine strong ideas with practical use. Mutuum Finance (MUTM) is one such name now gaining serious attention. It is a decentralized lending platform designed to make borrowing and lending simple, transparent, and rewarding. With its presale now in Phase 6, many investors believe it could become the next crypto to hit $1.
A Fast-Moving Presale with Real Momentum
Mutuum Finance (MUTM) is currently running its Phase 6 presale at $0.035 per token. Out of the 170 million tokens in this round, most have already been sold, with more than 17,800 holders taking part across all phases. The total funds raised now stand at about $18.5 million, showing steady community support. When the presale moves to Phase 7, the price will rise to $0.040, a 15% increase. Analysts expect the listing to happen around $0.06, which gives Phase 6 investors around 70% upside before launch. Early buyers from Phase 1, who entered at $0.01, already hold assets valued at over three times their initial entry.
The team has also added the option to buy using cards, making it easier for anyone to join without any threshold. With these updates and a live leaderboard rewarding top investors already in place, Mutuum Finance (MUTM) continues to draw attention as one of the most active presales in 2025.
1. A Dual Lending System That Works for Everyone
The first major reason Mutuum Finance (MUTM) stands out is its two-part lending design. The project will run both Peer-to-Contract and Peer-to-Peer systems. In the Peer-to-Contract model, users will deposit digital assets such as ETH or USDT into smart contract pools. These funds will be available for borrowers, and lenders will earn variable interest based on usage.
In the Peer-to-Peer model, users will connect directly with borrowers and set their own rates and terms. This opens the door for higher yields for those who prefer personal agreements. Together, both systems will keep liquidity moving smoothly inside the ecosystem.
The first version of the Mutuum protocol is planned to go live on the Sepolia Testnet in the fourth quarter of 2025. It will include automated liquidations, mtTokens for lending positions, and debt tokens for borrowers. Users will be able to lend, borrow, and use ETH or USDT as collateral when it launches.
This testnet release gives users an early chance to explore the platform. Early testing helps build confidence, attracts more users, and can increase overall interest. As more users join, demand may grow, which could support a rise in the token’s value.
2. Real Token Utility and a Stablecoin That Adds Balance
The second reason investors trust Mutuum Finance (MUTM) is the deep utility built around its token. The MUTM token will be used for every core action inside the platform—staking, borrowing, lending, and governance. This design means token demand will grow naturally as user activity increases.
In addition to its lending system, Mutuum will introduce a stablecoin within its ecosystem. The stablecoin will be created when users borrow against approved assets such as ETH, SOL, or AVAX, and it will be burned when loans are paid back. This process will help maintain balance between lending markets and create a steady flow of transactions. In the longer run it will help generate sustained demand for MUTM and hence appreciate its value.
Because the stablecoin will work inside Mutuum’s ecosystem, it will add predictable volume to the platform. This constant activity supports the overall value of the MUTM token, giving it real economic purpose rather than speculative hype. As more users join, the stablecoin, lending pools, and staking systems will work together to make Mutuum Finance (MUTM) a complete on-chain financial hub. For many investors, that combination of stable activity and clear use case is what makes MUTM a strong addition to any crypto investment plan.
3. Buybacks That Reward Long-Term Holders
The third reason why Mutuum Finance (MUTM) deserves a place in your $10,000 portfolio is its unique buyback reward system. The platform will use a share of its revenue from borrowing fees and trading activity to buy MUTM tokens from open markets. These purchased tokens will then be distributed to mtToken stakers as rewards.
This creates an ongoing reward cycle where loyal holders earn MUTM tokens passively while platform usage continues to grow. The more people borrow and lend, the more revenue the system generates, and the more tokens flow back to stakers.
For example, an investor who purchased 100,000 MUTM tokens during Phase 2 at $0.015 spent $1,500. That same investment now values at $3,500 in Phase 6. When the listing reaches $0.06, the investment becomes $6,000 in value, a clear sign of strong presale performance. Analysts tracking this project expect the price to move toward $0.35 after listing, which would make the same holding valued around $35,000. This model combines income-style rewards with price appreciation, offering both passive and growth-based gains to committed participants.
A Well-Built Project Ready for Its Next Step
Mutuum Finance (MUTM) has already been reviewed by CertiK, one of the most respected audit firms in blockchain. The audit used both manual and static analysis, producing a Token Scan Score of 90.00 and a Skynet Score of 79.00 during the February–May 2025 audit window. The team also launched a $50,000 bug bounty program to make sure its systems stay secure before launch.
Mutuum Finance (MUTM) brings something rare to early crypto projects: real progress before launch. For a $10,000 portfolio, even a $2,000 position at $0.035 can grow to $20,000 at $0.35, the post-listing target discussed by analysts.
The combination of strong presale momentum, a working lending model, token utility, and buyback-driven rewards make this project one of the most balanced plays of this cycle. For those looking for the next crypto to hit $1, Mutuum Finance (MUTM) offers both practical value and growth potential — a strong candidate for smart investors building for the next market uptrend.
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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Krasimir Rusev is a journalist with many years of experience in covering cryptocurrencies and financial markets. He specializes in analysis, news, and forecasts for digital assets, providing readers with in-depth and reliable information on the latest market trends. His expertise and professionalism make him a valuable source of information for investors, traders, and anyone who follows the dynamics of the crypto world.
Source: https://coindoo.com/top-3-reasons-why-this-token-deserves-a-spot-in-your-10k-portfolio/