When an expert panel recently mapped Bitcoin (BTC)’s potential journey to $150,000, the discussion quickly turned to which altcoins might deliver faster percentage gains before BTC gets there.
One name dominated the conversation: Mutuum Finance (MUTM). While Bitcoin (BTC)’s long-term trajectory remains a staple topic, analysts believe MUTM has the momentum, market-ready utility, and investor incentives to surge to $5 ahead of BTC’s major milestone.
Dual lending power in action
Mutuum Finance (MUTM) is a decentralized, non-custodial liquidity protocol that integrates two complementary models — P2C (peer-to-contract) and P2P (peer-to-peer) — each designed to serve a distinct type of crypto user.
In the P2C model, liquidity is pooled so lenders earn interest directly from smart contracts based on utilization rates.
For instance, depositing $8,500 worth of SOL at a 70% loan-to-value ratio and an annual percentage yield of 15% would generate $1,275 in interest over a year — all without handing custody of funds to a central authority.
In the P2P model, borrowers and lenders set terms directly. An example is pledging $3,000 worth of SHIB as collateral at a 68% LTV to borrow $2,040 DAI.
This arrangement provides liquidity without forcing the sale of assets, allowing borrowers to maintain market exposure while meeting capital needs. Repayment flexibility, combined with overcollateralization and smart contract security, positions this feature as a cornerstone of MUTM’s user growth strategy.
Presale countdown creates urgency
Currently in Phase 6 of its presale, Mutuum Finance (MUTM) is priced at $0.035. This price will soon increase to $0.040 in Phase 7, creating urgency for those who are actively searching for the next big crypto or next crypto to explode.
Early-stage entry has already proven rewarding: a $5,000 investment during Phase 1, when MUTM was priced at $0.01, is now worth $17,500 on paper. Upon listing at $0.06, this position is projected to be valued at $30,000, with analysts targeting between $0.50 and $5 as adoption scales in line with leading DeFi lending networks.
For investors scanning the market, wondering which crypto to buy, MUTM’s combination of growing demand and time-sensitive entry pricing places it high on the list of the best cryptocurrency coin to buy in 2025.
And at its current presale rate, many investors are also calling it the cheapest cryptocurrency offering such comprehensive utility at this stage.
Adding to the credibility, MUTM has undergone a CertiK audit with a Token Scan score of 95 and a Skynet score of 78. This security validation is reinforced by a $50,000 bug bounty program rewarding severity-based vulnerability disclosures.
Investor excitement is further amplified by a $100,000 giveaway event, where 10 winners will be rewarded, bringing additional visibility to the presale.
Path toward $5 and beyond
Experts attribute MUTM’s projected growth curve to a combination of its feature set and strategic rollout.
The beta launch is expected to drive rapid total value locked (TVL) growth as users begin earning interest, borrowing, and engaging with its forthcoming stablecoin — a $1-pegged asset minted only when borrowing against collateral and burned when loans are repaid or liquidated.
This stablecoin’s interest rates will be governed to help maintain peg stability, further cementing MUTM’s appeal to both DeFi veterans and new entrants.
Another powerful factor is the buy-and-distribute mechanism. Revenue generated from platform activity will be used to repurchase MUTM from the open market, with rewards distributed to those staking mtTokens in designated smart contracts.
This system encourages consistent participation and fosters a stronger link between platform activity and investor returns.
As major exchange listings such as Binance, KuCoin, and MEXC increase accessibility, liquidity inflows are expected to accelerate. Analysts stress that by 2026, MUTM’s lending and borrowing user base could expand faster than SOL and ADA achieved during their early adoption years.
This growth trajectory, combined with exchange exposure and ongoing revenue buybacks, is why many are confident that Mutuum Finance (MUTM) could see its price reach $5 before Bitcoin (BTC) reaches $150,000.
In a market where retail investors and institutions alike are scanning for the next big cryptocurrency, MUTM’s position as the next crypto to explode appears well supported by its roadmap and tokenomics.
For those seeking the best cryptocurrency coin to buy before major price milestones, the clock on Phase 6’s $0.035 pricing is ticking — and history suggests that the biggest returns often go to those who act before the rest of the market catches on.
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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