Analysts are turning their attention toward a fast-rising DeFi project that still trades below five cents. Mutuum Finance (MUTM) is standing out among the best cryptocurrencies to invest in, with several experts projecting a 50x surge as its ecosystem advances. In a market where crypto prices today remain volatile, MUTM’s design focuses on utility, security, and sustainable growth rather than speculation. The foundation of a 50x growth: real utility and stable yield The project is now in Phase 6 of its presale, priced at $0.035, and about 60% of tokens have been claimed. Over $17 million has been raised, and more than 16,800 holders have already joined. The next phase will lift the price to $0.04, marking a 15% increase and setting the stage for what analysts describe as one of the most promising DeFi launches of 2025. The first version, named V1, will go live on the Sepolia Testnet by the end of 2025. It will include tools like a liquidity pool, mtToken, debt token, and a liquidator bot. In the beginning, users can lend, borrow, and use ETH or USDT as collateral without any hassle. Mutuum Finance (MUTM) will reshape decentralized lending through its two-layer infrastructure — a Peer-to-Contract (P2C) model for stable assets and a Peer-to-Peer (P2P) system for higher-risk tokens. The platform’s design will create a balanced financial ecosystem where users earn, borrow, and trade with transparency and control. It starts with the lender’s side. Users will deposit tokens such as USDC or ETH into audited smart contracts. These deposits will generate mtTokens, representing the lender’s share in the liquidity pool. mtTokens will automatically earn yield as borrowers use the pool. Lenders will then have the option to stake mtTokens to earn additional MUTM rewards. These rewards will come from the platform’s revenue and open-market buybacks — a system that will strengthen demand for MUTM while rewarding long-term participants. The borrower’s process will be equally straightforward. Borrowers will post collateral in supported tokens to secure loans. For instance, posting $1,000 worth of ETH will allow borrowing up to 75% of that value, depending on the asset’s Loan-to-Value (LTV) ratio. All loans will remain over-collateralized, and if collateral value drops, the system will trigger automatic liquidations to protect lenders and maintain balance. Stable interest rate model and $1 stablecoin Mutuum Finance (MUTM)’s Stable Interest Rate Model will bring predictability to borrowing. When a borrower locks in a rate, it will remain stable for the loan’s duration. Rates will rebalance only during sharp market shifts, allowing both lenders and borrowers to plan their positions without fear of sudden volatility. The platform’s Stablecoin innovation will also play a major role in long-term growth. This decentralized stablecoin will stay pegged to one dollar. It will be minted when users borrow against collateral and burned when loans are repaid or liquidated. Governance will control the interest rate to maintain the peg — increasing it when the token trades below one dollar and reducing it when it trades above. Arbitrage opportunities will further support the $1 price target, ensuring continuous market stability. Security, governance, and the road ahead Mutuum Finance (MUTM) is being built with advanced price discovery and safety layers. The platform will use Chainlink feeds along with fallback oracles and on-chain DEX TWAPs to ensure accurate and tamper-resistant pricing. This system will prevent manipulation during lending and liquidation, protecting all participants. The protocol will include Deposit and Borrow Caps, limiting excessive exposure to single assets and ensuring consistent liquidity. A Reserve Factor will direct part of the collected interest into a safety pool that will strengthen the protocol’s resilience during volatile market periods. These risk parameters will act as a financial firewall against extreme market events. Security will remain central to Mutuum Finance (MUTM)’s strategy. The project has undergone a CertiK audit, achieving a Token Scan Score of 90 and a Skynet Score of 79, confirming strong smart contract integrity. To strengthen transparency, the team has launched a $50,000 Bug Bounty Program with rewards up to $2,000 for critical findings and a $100K community giveaway , where ten winners will each receive $10,000 worth of MUTM tokens. The development roadmap reflects a disciplined approach. Phase 1 focused on presale initiation, audits, and early marketing. Phase 2 will deliver smart contract and DApp development. Phase 3 will bring the testnet, security reviews, and beta releases, while Phase 4 will mark the full launch, exchange listings, and multi-chain expansion. Each stage will build on the last to ensure a smooth, reliable rollout before mainnet deployment. Investors need to pay close attention to timing. You can obtain 285,700 MUTM tokens right now for $10,000. The next phase will commence when the price reaches $0.04, and that same holding will be worth $11,400. It might be worth $17,150 if it goes up to $0.06. Analysts think that the ecosystem will develop even more as it matures, based on their long-term predictions for a 50x run. This is the last chance to buy before the next price spike, which will happen soon when the price reaches $0.04. People are interested in Mutuum Finance (MUTM) not because it’s exciting, but because it has strong economics. It offers regular returns, contracts that have been checked, and a plan to repurchase MUTMs. In a market full of noise, this might be the best sign of where real DeFi value begins. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Best crypto to invest, experts predict 50x run for DeFi token under $0.05 appeared first on Invezz
