In the early days of Bitcoin and Ethereum, few believed in their quiet beginnings. The people who noticed the structure, vision, and timing back then became the early winners.
Today, many investors watching the crypto charts are asking why is crypto going up again after the $20B liquidations. The answer might soon include a name that keeps coming up in growing circles — Mutuum Finance (MUTM).
This project, now in its Phase 6 presale, is being seen by some analysts as the next major success story before the next bull wave begins.
Mutuum Finance (MUTM) presale
Mutuum Finance (MUTM) is creating the type of ecosystem that attracts both retail users and professional investors. Its mix of lending innovation, stablecoin design, and strong technical roots gives it a real use case.
The ongoing presale has already raised around $17.35 million across earlier phases. Phase 6 is moving fast, with 68% of the 170 million tokens already sold at a price of $0.035.
The next step is $0.040, which means a 15% price jump is near. With over 17,100 holders already joining, the community is forming even before any potential exchange exposure begins.
The total supply stands at 4 billion MUTM, showing strong participation in a short time. Post launch some of the experts have predicted that this project will go beyond a 1,000% level because of the utility embedded and real use case delivery in fast Layer-2 and CertiK approved environments.
The lending engine that builds constant demand
Mutuum Finance (MUTM) will power a new lending and borrowing model that keeps funds moving on-chain. Its design includes two connected parts: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. Together, these two areas are expected to make the protocol’s ecosystem active and liquid.
In the P2C side, lenders will deposit assets such as USDT or ETH into audited smart contracts. These pools will make it easy for others to borrow. Once lenders deposit, they will receive mtTokens in return, like mtUSDT, which represent their pool share.
As borrowing grows, these mtTokens will earn interest, giving lenders an attractive annual yield. For example, a lender adding $15,000 USDT will receive mtUSDT one-to-one and will earn around 15% yearly returns.
Borrowers will join from the other side. They will post collateral, like ETH, and borrow up to 75% of its value. Suppose a borrower posts $1,000 in ETH; they will unlock around $750 to use, depending on the asset’s loan-to-value (LTV). The platform will use automatic liquidations and stability checks to protect both sides.
The first version of this protocol will launch on the Sepolia Testnet in Q4 2025, starting with ETH and USDT assets. This version will include key features such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure smooth and secure operations.
These practical features will give users a chance to experience the platform before the full launch. As users explore and gain confidence in the system, investor interest is likely to grow, potentially increasing demand and pushing the token’s price higher than expected.
Mutuum Finance (MUTM) is also building its own decentralized stablecoin, pegged to $1. This coin will only be created when users borrow against assets like ETH and will be burned once loans are repaid.
Each issuer will have capped limits, and borrowing rates will adjust through governance to help the stablecoin hold its peg. For example, when the stablecoin trades below $1, rates will rise to balance it.
This design will create steady, long-term borrowing demand and turn Mutuum Finance (MUTM) into a working financial network rather than just a trading token.
Strong technical framework and anticipated listings
Behind every fast-growing crypto project is a reliable pricing and security system. Mutuum Finance (MUTM) will use Chainlink oracles, fallback feeds, and DEX-based time-weighted prices (TWAPs) to ensure accurate valuations for assets.
This will reduce risk for lenders, keep liquidations fair, and make the protocol safer. When investors feel secure, they lock more capital. That means higher liquidity, more borrowing, and more rewards for those who stake mtTokens. This steady loop of activity is what turns a project into a long-term ecosystem.
The excitement around Mutuum Finance (MUTM) also connects to possible exchange listings after the presale. History shows that tokens like Solana and Polygon saw massive jumps — between 700% and 1,200% — within months of their first exchange listings.
A well-known crypto analyst, who accurately called Bitcoin’s 2017 rally, expects Mutuum Finance (MUTM) to reach around $0.60 from its projected listing region near $0.06. That would be a 1,000% gain — the kind of growth early investors dream of when scanning the crypto charts for the next mover.
The community building team is also running an active giveaway. A new update has been out for the 24-hour leaderboard. Each day, the user in the top position will receive a $500 MUTM reward, provided they make at least one transaction within that 24-hour period. The leaderboard resets automatically at 00:00 UTC every day.
Final verdict
People are once again asking why crypto is going up as the crypto market comes back to life after the recent crash. A lot of people currently think that the next wave will be led by projects that have meaningful use cases and long-term demand.
Mutuum Finance (MUTM) has functional technology, stablecoin mechanics, a way to make actual money, and a clear plan for when it will be released. The timing is really important because Phase 6 is already 68% done and the price is about to go up to $0.040.
Mutuum Finance (MUTM) is still in its early stages, just like Bitcoin was years ago. It’s a peaceful time until everyone notices. The focus will swiftly shift when the exchange listings come out.
For those who are paying attention, this is the time before the crowd knows what’s being built.
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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