The crypto market has long been split between builders who introduce new value and projects that simply ride momentum. Well-known altcoins like MATIC, XRP, and DOT have shown long periods of stagnation on crypto charts, while fresh builders such as Mutuum Finance (MUTM) continue to advance. Instead of relying on hype alone, this project is creating a two-track lending system that will give real users a product to interact with as soon as the token lists. The design includes both peer-to-contract (P2C) and peer-to-peer (P2P) lending engines, each built to serve different appetites. In a P2C example, a lender will be able to supply $10,000 USDT into the pool, and with pool utilization driving 18% APY, the lender earns $1,800 annually. A borrower who posts $8,000 in SOL will access $6,000 while maintaining long exposure to their SOL thanks to a 75% loan-to-value ratio. Here, borrowing capacity is always based on collateral, while yields depend on pool usage. In the higher-risk P2P track, lenders and borrowers will agree on terms directly. A TRUMP/FLOKI lender setting a 40% APR for 30 days with a $2,500 order, partially fillable, accepts higher volatility but also higher return. This isolated system prevents spillover risk into the main liquidity pools, ensuring protocol safety while allowing niche trading pairs to thrive. Presale momentum and trust framework Investors are paying close attention to the live presale of Mutuum Finance (MUTM). The project has a total supply of 4,000,000,000 tokens, with Phase 6 now active at $0.035. Around $14.9 million has already been generated, with over 15,700 holders and a quarter of Phase 6 tokens sold. The clock is ticking: Phase 7 will lift the entry price by 15% to $0.040, meaning the current stage offers the last discounted window before that increase. Trust and transparency are central to the presale’s appeal. The project underwent a full audit with CertiK, combining manual review and static analysis. Results are strong: Token Scan rated 95.00, and Skynet delivered 78.00. The initial audit was requested on February 25, 2025, and revised again on May 20, 2025, showing commitment to continuous oversight. Community engagement is also active, with more than 12,000 Twitter followers. Beyond the audit, Mutuum Finance (MUTM) is stacking further trust incentives. A $50,000 USDT bug bounty program pays up to $2,000 for critical issues, $1,000 for major, $500 for medium, and $200 for low-severity reports. Alongside this, a $100,000 giveaway will reward 10 winners with $10,000 worth of MUTM each. These programs underscore the team’s focus on security and user growth. The utility of the platform comes alive through mtTokens. Every deposit mints an mtToken 1:1, growing in value with interest and remaining usable as collateral elsewhere. Loans are always overcollateralized, and repayment can happen at any time, preserving user flexibility. Alongside mtTokens, the protocol will issue a stablecoin pegged at $1. It will only be minted against collateral and burned upon repayment or liquidation. Borrow rates will be guided by governance to keep the peg steady, with arbitrage ensuring stability in secondary markets. Early investment case For investors who seek real examples, one rotation already highlights the difference between stagnation and growth. A participant who allocated $3,000 from MATIC, XRP, or DOT into Mutuum Finance (MUTM) at the Phase 1 entry of $0.01 now sees the balance at $0.035, worth 3.5X more. At the $0.06 listing price, this becomes 6X the original stack unrealized. Looking forward, the project is aligned for $0.42 during the first adoption wave, marking a 12X return from today’s Phase 6 price. That trajectory is powered by fundamentals: the beta launch will go live alongside the token listing, Layer-2 integration will reduce transaction costs and latency, and the stablecoin’s $1 demand driver will fuel borrowing. The buy-and-distribute system will recycle platform revenue into MUTM repurchases, rewarding mtToken stakers and reinforcing price strength. With listings expected on Binance, KuCoin, Coinbase, MEXC, and Kraken, liquidity and exposure will multiply, creating a growth flywheel: usage generates revenue, revenue funds buybacks, buybacks reward stakers, and renewed demand drives fresh participation. This is the contrast between builders and stagnation. While large-cap alts drag through quarter after quarter without major innovation, Mutuum Finance (MUTM) continues to expand utility and create incentives. Phase 6 offers a time-limited chance to enter before the price increases to $0.040, and those who wait may simply watch another season of sideways action in bigger names while the builders move forward. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Experts call this best crypto now as MATIC, XRP, DOT remain stagnant appeared first on Invezz
