Dubai, UAE, October 22, 2025
Ethereum is one of the top crypto coins and has long been the foundation of decentralized finance. But with ETH trading near its all-time highs, the upside for short-term gains looks limited. Investors are beginning to search for the next crypto to hit $1 — tokens that are still early, affordable, and have clear use cases. One of the standout names in this new wave is Mutuum Finance (MUTM), a project that combines lending, staking, and revenue sharing in one ecosystem.
Mutuum Finance (MUTM) is currently in Presale Phase 6 at $0.035, having already raised $17.72 million with 72% of this phase sold out. The next phase, Phase 7, will move the price to $0.040 — a 15% jump. This shows that investor confidence in the project is already building before the token even reaches the market.
Ethereum remains one of the most important crypto coins in the market, but it is now viewed as a mature asset. Many investors believe that the days of easy 5× or 10× returns on ETH are gone for now. With its price already close to record highs, the focus is turning toward emerging tokens that combine low entry prices with real DeFi utility — exactly what Mutuum Finance (MUTM) is offering. Recent ETH predictions show some level of growth but they are not so impressive to match MUTMs.
Ethereum’s gas costs and network congestion have made smaller, faster, and more affordable DeFi protocols more attractive. In comparison, new projects like Mutuum Finance (MUTM) will give users direct access to efficient, high-yield systems with transparent rules and stable reward mechanisms.
Mutuum Finance (MUTM): Smart DeFi Built for Sustainable Growth
The team behind Mutuum Finance (MUTM) is designing a lending system that will work in two ways — Peer-to-Contract (P2C) and Peer-to-Peer (P2P). This dual setup will give users control over how they want to participate in the ecosystem.
Through the P2C system, investors will supply assets like USDT or ETH into shared liquidity pools. Borrowers will then take loans against their collateral, and interest rates will adjust automatically based on how much liquidity is being used. A simple example shows how this works: lending $15,000 USDT at a 15% annual return gives $2,250 in earnings in one year. Borrowers can also post $1,000 worth of ETH and borrow up to 75% of that value while keeping exposure to price changes.
On the other side, the P2P model will focus on tokens with higher risk and volatility such as DOGE or PEPE. Here, lenders and borrowers will negotiate terms directly, keeping these trades separate from the main liquidity pools to protect the platform’s stability. Every loan will be overcollateralized, and automatic liquidation systems will activate if the market turns sharply, protecting the ecosystem from bad debt.
The team has officially announced on their X account that Mutuum Finance (MUTM) will launch the V1 version of its protocol on the Sepolia Testnet by Q4 2025. This release will introduce main components such as a liquidity pool, mtToken, debt token, and a liquidator bot to keep the system secure and running efficiently. At first, users will be able to lend, borrow, and use ETH or USDT as collateral.
This testnet launch will allow users to experience the platform’s core functions before the full release. Hands-on testing will build trust and attract more interest from the community, likely leading to higher demand and value growth for the token.
Mutuum’s reward structure will also stand out. The project will use a Buy-and-Distribute system where revenue generated by the platform will be used to buy MUTM tokens from the open market. These tokens will then be distributed to mtToken stakers as rewards. This creates continuous demand for MUTM and directly connects platform success with holder rewards.
What makes this model strong is that it encourages long-term participation instead of short-term speculation. As more users interact with Mutuum’s lending features, the higher the platform’s revenue will become — and that will translate into more buybacks and more rewards distributed to stakers.
Undervalued Now, Positioned for Breakout Later
For community building, the 24-hour leaderboard has been refreshed with a new daily bonus system. Each day, the user who ranks first will receive a $500 MUTM reward, as long as they perform at least one transaction within that 24-hour period. The leaderboard resets automatically at 00:00 UTC every day.
Mutuum Finance (MUTM) is showing all the signs of a project built for sustainable growth. Its dual lending structure, live reward model, and future revenue-based buybacks give it a real-world foundation for demand growth. Unlike many presales that depend on hype, Mutuum’s ecosystem will generate ongoing activity and rewards that can fuel long-term price appreciation.
At $0.035 in Phase 6, with 72% of tokens already sold and the next price level moving up to $0.040, the timing is crucial. Investors looking for the best cheap crypto to buy now are paying close attention before the next increase. ETH might remain the king of established DeFi, but Mutuum Finance (MUTM) represents where smart capital is heading next — a project still early, utility-rich, and affordable enough to be the next crypto to hit $1.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance