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Every bull market brings a few breakout tokens that redefine early-stage investing in crypto. Analysts believe one of the next big movers could already be here and it’s still priced below $0.04. As attention shifts from meme coins and stagnant layer-1s to functional DeFi projects, investors are increasingly turning to Mutuum Finance (MUTM), a new decentralized lending protocol that’s quietly raising millions before its launch.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is a DeFi protocol that streamlines the process of decentralized lending, where the smart contracts are used to govern a borrower-lender relationship. The protocol is designed to use the automated contracts to automate the process of transactions, compute interest and manage collateral in a way it does not use centralized intermediaries. The aim is to ensure that crypto lending is safer, more transparent and more rewarding.
The platform has two complementary markets. The former is the Peer-to-Contract (P2C) market. Users put in ETH or USDT in liquidity pools and earn mtTokens. The second market is Peer-to-peer (P2P) marketplace. Direct lending is arranged between the users of less popular assets. Individual interest rates and terms are established and every loan has Loan-to-Value (LTV) ratio which provides adequate security.
Presale Momentum
Mutuum Finance is at the Phase 6 of its presale. Each MUTM token is priced at $0.035. The next price will be increased by nearly 20% to $0.04 and the launch price is set at $0.06. MUTM may be appreciated by 500% for investors that joined Phase 1 at official listing.
Having raised more than $18.2 million and sold over 785 million tokens, the project currently has over 17,600 holders. The close launch date and the growth of demand have led to sales acceleration in this stage.
Mutuum Finance has implemented a 24-hours leaderboard. The most active participant gets $500 in MUTM tokens per day. This fosters competition, ensures that there is a lot of investor activity and that there is transparency during the presale.
The other innovation is that investors can purchase MUTM using a card with no restrictions thus the presale is open to both beginners and those who have been using it for a long time.
In DeFi, trust is everything, and that is what Mutuum Finance has earned. The protocol went through a CertiK audit with the high score of 90/100 Token Scan Score, which implies well-structured and safe smart contracts.
The team also runs a $50,000 bug-bounty to discover code vulnerabilities before the launch of the mainnet. These are steps that demonstrate a concern of safety and transparency, a factor that creates trust between early-stage investors.
V1 Launch on Sepolia Testnet
One of the main milestones is the launch of V1 to the Sepolia Testnet in Q4 in 2025, which will be the shift between development and live testing.
Introducing deposits or lending of assets in a Liquidity Pool is the major characteristic of V1, as well as the use of mtTokens to document deposits and collect automatic interest and Debt Tokens that reflect obligations of borrowers. There will be a Liquidator Bot that will discover and resolve the under-collateralized positions in order to keep the platform stable.
The testnet will first include lending, borrowing, and collateral of ETH and USDT. Other cryptocurrencies and stablecoins will be incorporated with intense testing. These releases of products are supposed to increase investor confidence more so when accompanied by presale participation and milestone delivery.
The Reason Investors are Watching Closely
Many industry analysts perceive MUTM to have a bright future. Beginning with a price of $0.06 at launch, it has the potential of increasing to $0.40. This prediction will be based on an active product, high presale activity, and consistent tokenomics. Other experts draw parallels between Mutuum Finance and early Aave or Solana, which started their projects as small DeFi projects before eventually evolving into large-cap hits.
Provided that Mutuum maintains its current adoption rate, the number of users may grow by 20x by 2027, particularly with greater liquidity on one of the next bull runs. The launch of a testnet, a robust audit record and an almost fully sold presale establishes Mutuum Finance as one of the potential best crypto assets to purchase today at a price of below $0.05.
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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