Artificial intelligence has become a daily tool for crypto traders, and one question is spreading fast: what will the next breakout project be? When analysts and AI models screen DeFi projects by growth potential, Mutuum Finance (MUTM) fits every strong metric. The ETH-based lending platform has drawn growing attention from investors tracking the most promising crypto investment opportunities of the season. A smart DeFi model that fits AI logic The presale of Mutuum Finance (MUTM) has already raised about $17 million. Total supply stands at 4B MUTM tokens. Phase 6 is live with 60% of its 170M-token supply sold at $0.035. The next price will rise to $0.040, marking a 15% increase. The project already has more than 16,800 holders. Mutuum Finance (MUTM) will build a decentralized lending protocol focused on ETH-based liquidity. It will combine two layers: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In P2C, users will deposit assets such as ETH or USDT into audited smart contracts. They will receive mtTokens in return, reflecting their share in the pool. These mtTokens will earn interest and will also serve as collateral to borrow. For instance, a lender who will deposit $15,000 USDT will receive mtUSDT 1:1 and earn a steady yield of around 15% APY. Borrowers will post collateral, such as ETH, and borrow stablecoins up to defined loan-to-value ratios. Every loan will stay overcollateralized, keeping the system stable. If collateral value drops below the safety level, an automated liquidation bot will act to secure the pool. P2P lending will cover more volatile assets, including meme coins. These tokens will stay isolated, protecting the core pool. Lenders in P2P will agree on rates and terms directly, creating a flexible market for higher-risk trades. At the heart of Mutuum Finance (MUTM)’s model is mtToken staking. Users who stake mtTokens will earn MUTM rewards. Platform revenue from borrowing fees and liquidations will fund token buybacks, which will be distributed to stakers. The CertiK audit will include manual review and static analysis, showing a TokenScan score of 90.00 and a Skynet score of 79.00. The audit timeline was first requested on February 25, 2025, and later revised to May 20, 2025. Mutuum Finance (MUTM)’s dashboard and leaderboard are live, and its community now exceeds 12,000 followers. As Phase 6 nears its close, investor urgency is rising fast. Stable interest, price discovery, and collateral logic The Stable Interest Rate Model will let borrowers lock in rates for predictable costs. The system will compare the stable rate to recent variable averages. When the supply rate drops to 90% or lower than the variable benchmark, it will rebalance automatically. Borrowers will accept slightly higher initial rates to avoid sudden cost changes. Only selected tokens will qualify for stable loans, ensuring safe exposure. Mutuum Finance (MUTM) will also enforce strong overcollateralization rules. Each position will be monitored by a Stability Factor, tracking the health of the collateral. When a loan triggers liquidation, part of the penalty will go to the protocol treasury. That treasury will become a key revenue source, supporting buybacks and staking rewards tied to MUTM. Price discovery will use Chainlink as the main oracle. Additional fallback feeds and DEX time-weighted averages will keep pricing consistent. This system will limit manipulation and keep liquidity providers safe. Reliable oracles will also help attract institutional funds that depend on precise data. Enhanced Collateral Efficiency (ECE) will improve borrowing power for correlated assets, such as ETH paired with wrapped ETH tokens. It will increase capital use without adding risk. More borrowing will mean higher fee income, which will flow back into the protocol and increase MUTM demand. Roadmap, revenue flow, and market outlook Mutuum Finance (MUTM) will follow a clear four-phase roadmap. Phase 1 will cover the presale, audits, and marketing foundation. Phases 2 to 4 will include contract development, front-end design, and the launch of beta and mainnet. The beta will launch close to the token listing, letting users test pool functions, borrowing logic, and staking flows in advance. Other than that, the Sepolia Testnet V1 will go live in Q4 2025 with modules such as Liquidity Pool, mtToken, Debt Token, and Liquidator Bot. Users will be able to lend, borrow, and use USDT and ETH as collateral in the system. Analysts are calling the project a “DeFi fit for AI logic.” The reasoning is simple: Mutuum Finance (MUTM)’s parameters—predictable yields, strong collateral safety, and clear revenue loops—match the data patterns AI models highlight when screening promising assets on crypto charts. In short, four things will keep demand strong over time. First, penalties for liquidation will go to the treasury, which will provide MUTM more authority to buy back tokens. Second, Enhanced Collateral Efficiency will securely increase volume. Third, limits on deposits and loans will make sure that institutions can regulate risk. Fourth, stable-rate borrowing will draw in treasuries that want payments that are easy to foresee. Each mechanism will help the total value locked and token demand keep going up. As Phase 6 sells out, experts think it will get more traction faster. Investors can connect their wallet to the Mutuum Finance (MUTM) dashboard to get their share before the next price step. Mutuum Finance (MUTM) passes every logical test for the next big DeFi success, and AI seems to agree. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Can ChatGPT predict next big crypto? Insiders say one $0.035 token fits appeared first on Invezz
