The crypto market is buzzing as Mutuum Finance (MUTM) emerges as one of the hottest DeFi projects in 2025. With Phase 6 of its presale now over 90% sold, the project has already raised close to $19 million, attracting more than 18,000 investors eager to get in early.
This surge reflects not just FOMO but strong confidence in MUTM’s next-generation dual-lending model, which allows both peer-to-peer and peer-to-contract transactions, maximizing capital efficiency and potential returns. MUTM is increasingly recognized as the next big crypto for investors seeking early-stage exposure.
The presale’s rapid pace means time is running out for investors to participate before tokens hit the open market, and early buyers are already seeing substantial gains.
For those looking for the best crypto to invest, MUTM’s combination of innovative DeFi features and explosive presale growth makes it a standout coin in 2025. With tangible utility and strong market momentum, MUTM is shaping up as the next big crypto poised for breakout gains.
Mutuum Finance Presale Gains Speed
Mutuum Finance is rapidly emerging as one of the most anticipated DeFi crypto platforms of 2025. Phase 6 of the presale, currently priced at $0.035, offers a final window for early adopters before the token price increases to $0.04 in Phase 7. To broaden accessibility, the platform now supports direct Credit and Debit Card purchases, removing traditional entry barriers and enabling a wider range of global investors to participate.
With growing market attention, Mutuum Finance is increasingly recognized as a top crypto to buy, positioning itself as a strong contender for the next big crypto breakout in the DeFi ecosystem. Mutuum Finance is also hosting a $100,000 giveaway. Ten individuals will get $10,000 MUTM. It’s their live giveaway to investors of their new project, and also the project’s way of building a long-term and committed community.
Interest Rate Mechanisms
Mutuum sets borrowing rates based on utilization to maintain healthy liquidity. When capital is plentiful, rates are kept low to encourage borrowing and optimize capital deployment. In times of scarcity, rates increase to incentivize repayments and attract deposits.
Borrowers seeking certainty can opt for stable rates, which are higher than variable rates to offset risk and may be adjusted if market conditions shift significantly. Only assets with sufficient liquidity are eligible for stable borrowing.
The protocol defines asset-specific parameters to mitigate financial risk. Overcollateralization protects the system from market fluctuations, while liquidators are rewarded for resolving undercollateralized positions. Deposit and borrow caps limit exposure to volatile or illiquid assets.
Certain high-risk tokens are placed under restricted collateral modes, while correlated assets, such as major stablecoins, may utilize enhanced collateral efficiency to maximize borrowing potential. Loan-to-Value ratios, liquidation thresholds, and penalties safeguard solvency, and reserve factors create buffers against extreme market events.
Mutuum Finance takes a two-model approach to attaining ultimate flexibility and effectiveness with Peer-to-Contract and Peer-to-Peer models of lending.
Peer-to-Contract implements self-executing smart contracts that will loan without any human intervention. They act based on changing market prices with an interest rate from then-available demand and supply. The middleman does not exist for the Peer-to-Peer model, and the borrowers talk directly to the lenders. The Peer-to-Peer model is highly efficient and in demand.
Mutuum Finance Nears $19M Raised
Mutuum Finance’s Phase 6 presale has now crossed 90% completion, raising nearly $19 million from over 18,050 investors at $0.035 per token. Phase 7 will increase the price to $0.04, offering a final opportunity for early participants to join before exchange listings.
With its dual-lending DeFi model, dynamic interest rate mechanisms, and robust risk management, MUTM combines innovation, security, and high-growth potential. Investors seeking the best crypto to invest now should act quickly to secure their stake in what could be the next big crypto DeFi project of 2025.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
This article is not investment advice. Always DYOR and only invest what you’re prepared to lose, as crypto is inherently volatile.
Authored by Bitcoinist, https://bitcoinist.com/defi-crypto-mutuum-finance-mutm-nears-19m-raised-as-phase-6-crosses-90-with-over-18000-investors/