Building a balanced portfolio will always be the goal for serious investors. Growth coins like Ethereum (ETH) once turned modest portfolios into fortunes, and now investors are looking for the next opportunity that offers real utility with high upside. Mutuum Finance (MUTM) will soon become one of those rare DeFi projects that blend strong fundamentals, transparency, and growth-ready mechanics. For those investing in crypto now, early entry into MUTM during its live presale will set a foundation for future growth. Phase 6 presale momentum and strong audit backing Mutuum Finance (MUTM) is in Phase 6 of its presale. It has already generated around $17 million, with over 16,800 holders participating. Out of the 170 million tokens available for this phase, about 60% are already sold at the price of $0.035 per token. The next phase will raise the price to $0.040—a 15% increase. The total supply is capped at 4 billion tokens, and the momentum shows investors are confident in the project’s future. The project’s security has been independently verified. Its CertiK audit involved both Manual Review and Static Analysis, earning a TokenScan Score of 90.00 and a Skynet Score of 79.00. The audit request was made on February 25, 2025, and revised on May 20, 2025, confirming the team’s focus on transparency. With over 12K Twitter followers, Mutuum Finance (MUTM) has built strong early community trust, and Phase 6 buyers are rushing before the price moves up to $0.040. How Mutuum Finance (MUTM) lending will work Mutuum Finance (MUTM) will operate through a Peer-to-Contract (P2C) model where users will lend assets into liquidity pools and earn returns. For example, a lender will deposit $15,000 USDT into an ETH/USDT pool and receive mtUSDT in a 1:1 ratio. With an expected average APY of 15%, this deposit will earn $2,250 in a year. The mtTokens will represent ownership in the pool, growing in value as interest accrues. Lenders will also be able to use mtTokens as collateral for further loans or withdraw them based on liquidity. Borrowers will benefit too. A borrower will post $1,000 worth of ETH as collateral and borrow up to 75% of that value. This setup will allow the borrower to keep their ETH exposure while still accessing capital. They will be able to select between variable and stable rates. Stable-rate loans will rebalance when the supply rate drops to 90% of the variable equivalent, helping maintain predictable borrowing costs. The Peer-to-Peer (P2P) segment will cater to tokens with higher volatility, like PEPE, or FLOKI. Here, lenders and borrowers will negotiate terms directly, including rates and durations. These transactions will stay isolated from the P2C pools, ensuring that the main liquidity remains stable even during volatile periods. Mutuum Finance (MUTM) is making a new system for crypto lending and borrowing. The first version, called V1, will launch on the Sepolia Testnet at the end of 2025. It will have key tools like a liquidity pool, mtToken, debt token, and a liquidator bot. These will help the platform run safely and smoothly. At first, users can lend and borrow crypto easily. They will also be able to use ETH or USDT as collateral. Collateral, liquidations, and risk management All loans will remain overcollateralized to ensure platform safety. The Stability Factor will track each loan’s collateral strength. When collateral values fall below preset thresholds, liquidations will trigger automatically. Liquidators will buy the debt at a discount, while part of the penalty will flow to the Mutuum Finance (MUTM) treasury. This revenue will later support ecosystem incentives and growth. Stablecoins and ETH will have higher Loan-to-Value (LTV) ratios of up to 75%, with liquidation thresholds at around 80%. Volatile assets will stay limited between 35% and 60% LTV with thresholds near 65%. Reserve factors will vary: about 10% for safer assets and up to 55% for riskier ones. These settings will balance capital efficiency with safety. Deposit and borrow caps will control exposure, preventing sudden liquidity shocks. When liquidity tightens, the protocol will adjust liquidation incentives to attract more liquidators. These measures will keep markets efficient even during high volatility. Platform experience, security, and rewards Mutuum Finance (MUTM) already features a live dashboard where investors can connect their wallets, view holdings, and estimate ROI. The Top 50 Leaderboard is rewarded with bonus MUTM tokens. This gamified experience will keep users engaged. Security remains central. Alongside its CertiK audit, the platform will host a $50,000 USDT Bug Bounty Program. Rewards will range from $2,000 for critical findings to $200 for low-level issues. Additionally, the $100,000 giveaway will see ten winners receive $10,000 worth of MUTM tokens each, further boosting community engagement. Why investors call it the next ETH The price of Mutuum Finance (MUTM) has already gone up 250% from $0.01 in Phase 1 to $0.035 now. A person who acquired $5,000 worth of MUTM in Phase 1 will now have $17,500 worth of tokens. When the token goes on sale for $0.06, the same investment will be worth $30,000, which is 6x what it was worth before. The prospect for growth is still good. The Layer-2 integration that is coming up will lower the cost of transactions and speed them up. The beta version of the lending app will be available around the time of the listing, so users can engage with it in real time. Planned listings on major exchanges like Binance and Kraken will make the token easy for traders all over the world to find and use, which will boost visibility and participation even more. If you’re thinking about investing in crypto and want to know if it’s a good idea, the answer is time and fundamentals. Mutuum Finance (MUTM) is a mix of the two. Phase 6 is already 60% sold out, and the price will go up by 15% in Phase 7. There is still a limited time for early buyers to get MUTM for $0.035 before it goes up to $0.040. People who wish to build the perfect portfolio won’t want to miss this chance before the project’s beta launch and exchange debut drive up demand. 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 coin to buy: early investors call it next ETH by 2026 appeared first on Invezz
