The next surge in crypto prices often starts quietly, long before the wider market notices. Smart investors know that the most rewarding opportunities appear during presale phases. This is when projects with real utility meet early demand, creating a foundation for explosive growth. Mutuum Finance (MUTM) is now in presale phase 6, and its token is priced at just $0.035. This is one of the cheapest ways to gain exposure to a DeFi platform that will offer genuine lending, borrowing, and staking features. Smart investors will recognize that low-cost projects with working products tend to become the next top crypto.

Dual Lending Models Create Real Use Cases

Mutuum Finance (MUTM) total supply stands at 4B MUTMs. The current price in Phase 6 is $0.035. Phase 6 has a supply of 170M tokens, which is 97% sold out. Across all presale phases, Mutuum Finance (MUTM) has raised approximately $19.30 million. The token already has over 18,400 holders across all presale phases.

The next presale step will price the token at $0.040, marking a 15% increase from the current price.
Mutuum Finance (MUTM) will feature two distinct lending models designed to attract a wide range of investors. The Peer-to-Contract (P2C) model allows users to deposit assets into audited smart-contract pools. These pools will supply liquidity to borrowers, and interest rates will automatically adjust based on pool utilization. Depositors will receive mtTokens representing their share plus accrued interest. These mtTokens will also be usable as collateral, providing flexibility while ensuring security through overcollateralization and dynamic interest rates.

Alongside this, the Peer-to-Peer (P2P) model will allow direct loans negotiated between lenders and borrowers for riskier or less liquid tokens. This structure isolates volatile tokens from core liquidity, preserving the stability of the main pools. Offering both P2C and P2P models ensures that Mutuum Finance (MUTM) will cater to conservative users seeking stability while also providing higher-yield opportunities for investors seeking bespoke arrangements.

How MUTM May Explode?

Mutuum Finance (MUTM) announced on its official X account that the V1 of its protocol is scheduled to go live on the Sepolia Testnet in Q4 2025. This early version will roll out the platform’s fundamental components, including the liquidity pool, the mtToken and debt token models, and an automated liquidator bot responsible for protecting collateralized positions and ensuring seamless protocol performance.

During this phase, users will be able to lend, borrow, and lock ETH or USDT as collateral.
Releasing V1 on the testnet gives the community a chance to experience the system before mainnet deployment. This phased approach improves transparency, encourages early participation, and helps the team refine the protocol using real user feedback. As more testers interact with the environment, overall interest in Mutuum Finance is expected to grow, supporting confidence and future demand for the MUTM token.

Mutuum Finance (MUTM) will experience growth driven by utility and demand. The lending and borrowing features will create real use cases that attract users to the platform. Soon, participants will be able to lend, borrow, and stake assets in designated pools to earn rewards. Every interaction will require MUTM tokens, creating continuous demand. As more users engage, the platform will see increased activity, which will support the token’s price growth and position it as a leading DeFi solution.

Another growth driver will be the upcoming beta version, set to launch alongside the mainnet. This early-access platform will allow investors and users to explore key features before the official release. Active participation in beta testing will boost engagement and drive adoption. As more users become familiar with Mutuum Finance (MUTM), word-of-mouth promotion will amplify awareness and attract a broader community, increasing demand for tokens across presale and post-launch phases.

A third factor influencing growth could be Mutuum Finance’s (MUTM) buy-and-distribute mechanism. Depositors will receive mtTokens representing both their principal and accrued interest. These mtTokens will be usable as collateral and can also be staked to earn additional MUTM rewards. Part of the platform’s revenue from lending and borrowing will be allocated to repurchasing MUTM tokens from the market. These tokens will be distributed to stakers, creating continuous buy pressure. Over time, this mechanism will sustain demand, encourage long-term participation, and support both price stability and potential appreciation.

Community Engagement and Incentives

Mutuum Finance (MUTM) already has a growing community with more than 12,000 Twitter followers. A Top-50 leaderboard rewards the most active investors with bonuses. The platform currently hosts a $100K giveaway where ten winners receive $10,000 in MUTM each. Additionally, the 24-hour leaderboard rewards the top daily user with $500 in MUTM, provided they make at least one transaction; the leaderboard reset at 00:00 UTC daily. These incentives will encourage user activity, strengthen liquidity, and build a vibrant, engaged community.
Phase 6 is 97% sold out, and the next presale phase will price the token at $0.040, representing a 15% increase. If investors want exposure under $0.04, they must act immediately — this opportunity is closing quickly. With working utility, early beta access, continuous buyback mechanisms, and an active community, Mutuum Finance (MUTM) will set the stage for a breakout under $1. Early buyers will secure an edge in what is shaping up to be the next top crypto, benefiting from strong demand, platform activity, and innovative DeFi features.

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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