Crypto crashes reveal the truth as projects built on hype wobble, while protocols with real utility shine. After SOL’s wild swings, investors will focus on platforms that combine product readiness, revenue generation, and security. Mutuum Finance (MUTM) will be one such project. Its lending infrastructure and stablecoin system will create recurring demand, making it a strong choice for investors seeking stability and growth.

Mutuum Finance (MUTM)’s presale

Presale numbers show traction where total supply stands at 4B MUTM. The project has raised around $18.90 million across all presale phases with over 18,100 holders already on board. Current Phase 6 price stands at $0.035,. Phase 6 allocation of 170M tokens is 92% sold. Phase 7 will increase the price to $0.040, creating urgency for those entering now.

An early investor purchased $10,000 of MUTM in Phase 1 at $0.01. The acquisition delivered 1,000,000 tokens. At Phase 6 pricing of $0.035, the value rises to $35,000, generating a 3.5× return. With Phase 7 at $0.040, holdings increase to $40,000, reflecting a 4× gain. Post-exchange listing, token value is projected at $0.30, growing this $10,000 investment to $300,000 — a 30× return from Phase 1. 

Investors who are seeking crypto to buy now will see MUTM as a measurable opportunity with live mechanics driving demand. Even as traditional crypto ETFs fluctuate, the stable lending system will offer predictability and security for long-term growth.

Dual lending options, testnet launch and growth drivers

Mutuum Finance (MUTM) is building to offer both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. Users will be able to choose between pooled, stable returns or negotiated, higher-yield loans. 

Soon users will be able to test the glimpse of the platform. Mutuum Finance (MUTM) shared on its official X profile that the V1 release of its protocol is scheduled to launch on the Sepolia Testnet in Q4 2025. This first rollout will activate the essential components of the system, including the liquidity pool, mtToken and debt token frameworks, and an automated liquidator bot built to maintain stability and protect user positions. During this early phase, users will be able to borrow, lend, and secure their activities using ETH or USDT as collateral.

Introducing V1 on the testnet provides the community with early hands-on access to the platform before the mainnet launch. This phased approach enhances transparency, encourages community participation, and helps the team refine the protocol with real user feedback. As engagement increases and more users explore the testnet environment, it may drive growing interest and support long-term demand for the MUTM token.

The stablecoin innovation will make Mutuum unique in a crash. Tokens will be minted only when users borrow against approved collateral, such as ETH. Repayment or liquidation will burn these tokens, keeping circulation controlled. Governance will adjust borrowing rates to maintain the stablecoin near $1. If the price drifts higher, rates will lower to encourage more borrowing. If the price drifts lower, rates will rise to control minting. Arbitrage actions by traders will stabilize the value. This ensures liquidity remains usable during market downturns, preventing fire sales and protecting borrowers’ positions.

The stablecoin will function as the key monetary unit powering Mutuum Finance (MUTM)’s P2C and P2P lending cycles, promoting continuous loan activity and maintaining liquidity rotation throughout the protocol. Given that stablecoins are viewed as essential to DeFi ecosystems, a secure and overcollateralized design could help anchor steady, ongoing demand for MUTM.

Price discovery, oracles, and buyback dynamics

Reliable price feeds will be a core feature. Mutuum will rely on Chainlink and fallback oracles, along with aggregated feeds and DEX-based references. Accurate prices will reduce false liquidations, limit panic selling, and maintain treasury and fee flows. This cycle will increase platform confidence, attract more deposits, and boost borrowing activity. Revenue generated will support mtToken staking rewards through open-market MUTM buybacks, increasing demand naturally. This makes MUTM a strong candidate for investors who want exposure to a platform with live, actionable mechanics.

Investors will also notice potential visibility from exchange listings. With a strong presale and operational product features, Mutuum may attract Tier-1 and Tier-2 exchanges. Listing will enhance liquidity, increase discoverability, and bring institutional participation. This growth loop will amplify demand and user adoption while supporting the token’s value over time. 

Phase 6 is almost sold out. Phase 7 at $0.040 is imminent. Investors reallocating funds during market volatility should prioritize assets like Mutuum Finance (MUTM) with live product development, a self-correcting stablecoin, active buyback and staking mechanisms, reliable oracle feeds, and ongoing security programs. This $0.035 entry window is closing, making it an attractive moment for forward-looking participants to engage and benefit from demand-driven growth.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

DISCLAIMER – “Views Expressed Disclaimer – The information provided in this content is intended for general informational purposes only and should not be considered financial, investment, legal, tax, or health advice, nor relied upon as a substitute for professional guidance tailored to your personal circumstances. The opinions expressed are solely those of the author and do not necessarily represent the views of any other individual, organization, agency, employer, or company, including NEO CYMED PUBLISHING LIMITED (operating under the name Cyprus-Mail).