The crypto market is going through a big change as traders move their focus from meme currencies like DOGE and SHIB to assets that have real use and predictable returns. Hyped-up tokens are still making news, but smart investors are looking at crypto prices today to find altcoins that can actually help them make money. Mutuum Finance (MUTM) , which is still in its presale phase at $0.035, is a top choice for anyone who wants to invest in a DeFi project with a lot of potential before the altcoin season starts in October. It stands out in a market that is always changing and where there is always the fear of a crypto meltdown because of its dual lending structure, strong stablecoin mechanics, and Layer-2 integration. Dual lending and stablecoin utility drive structured returns Mutuum Finance (MUTM) will leverage dual lending systems to accommodate different risk profiles. Its Peer-to-Contract (P2C) mechanism pools assets such as USDT, USDC, DAI, ETH, and BTC into audited smart contracts, offering variable or stable interest rates based on utilization. A depositor allocating $20,000 ETH will receive mtETH at a 1:1 ratio and earn an estimated 14% APY, translating to $2,800 in passive income annually. Borrowers retain exposure to underlying assets while accessing liquidity; for instance, posting $1,500 ETH as collateral allows a borrower to access 70% in stablecoins without selling their ETH. The P2P side isolates volatile meme tokens, including PEPE and TRUMP, letting lenders negotiate interest rates and durations directly for higher-risk, higher-reward lending opportunities, while core liquidity remains protected. A core innovation is Mutuum Finance (MUTM)’s $1 stablecoin, minted only when users borrow against collateral like ETH, BTC, or SOL, and burned upon repayment or liquidation. Borrow rates are governance-controlled to maintain the peg: rates will increase if the stablecoin drops below $1 and decrease if above, while arbitrage ensures market equilibrium. Only approved issuers with capped limits can mint, maintaining systemic stability. Chainlink oracle feeds, aggregated fallback oracles, and on-chain DEX metrics will power accurate price discovery across all integrated blockchains, ensuring transparent valuations. Utilization-driven borrow rates, combined with mtToken mechanics, will encourage active borrowing and long-term deposit participation, driving sustainable demand for MUTM tokens. Presale momentum, ROI, and roadmap progress Phase 6 of the Mutuum Finance (MUTM) presale will raise $16.2 million, with 47% of the 170 million token supply expected to sell quickly. With over 16,550 holders and a price of $0.035, this phase offers a last chance to enter at a discounted rate before the price rises 15% in Phase 7 to $0.040. Early investors have already seen significant growth: a Phase 1 participant investing $10,000 at $0.01 would have increased their value holdings 250% on paper by Phase 6 at $0.035. Post-listing at $0.06, this position will grow unrealized 500%, and long-term projections of $1 per token will deliver a 28x return on the original investment. Mutuum Finance (MUTM)’s roadmap demonstrates structured execution. Phase 1, encompassing the presale initiation, marketing campaigns, external audits, and AI-powered helpdesk, will provide foundational credibility. Phases 2 through 4 will feature core smart contract development, beta platform launch, Layer-2 integration, exchange listing preparations, and multi-chain expansion. The beta launch, scheduled alongside the token listing, will allow users to experience lending, borrowing, and stablecoin functionalities firsthand, generating organic demand and user engagement. Security measures further support investor confidence. A $50,000 bug bounty program offers rewards from $200 for low-severity issues to $2,000 for critical vulnerabilities, while the $100,000 ongoing giveaway will reward ten winners with $10,000 each in MUTM tokens. CertiK audits score Mutuum Finance (MUTM) with a TokenScan of 90 and a Skynet score of 79, ensuring thorough scrutiny. Combined with 12,000+ Twitter followers and strong community engagement, these factors position MUTM as a credible alternative to meme-driven projects that lack long-term utility. Conclusion As altcoin season approaches, investors will increasingly ask what the best crypto to buy is. Mutuum Finance (MUTM) offers a clear answer: structured utility, transparent governance, Layer-2 efficiency, and robust presale momentum. While speculative coins struggle under market rotations, MUTM’s P2C/P2P lending models, stablecoin mechanics, and beta access will generate real demand, driving price appreciation as the broader market evaluates crypto prices. Early participation in Phase 6 at $0.035 represents a rare opportunity to gain exposure before the next phase price increase, positioning investors ahead of the altcoin season surge. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Market rotates from meme coins, asking what’s the best crypto to buy before October’s altcoin season? appeared first on Invezz
