As October comes to an end, investors are seeking for initiatives that can be used in the real world and have a good chance of growing over time. Today, a lot of purchasers are looking at the values of different tokens to identify ones that will go up and down in value. The crypto market is heating up again. There is a lot of interest in the project Mutuum Finance (MUTM). This is a new decentralized finance platform that will transform the way individuals lend, borrow, and earn bitcoin. People who desire growth based on utility rather than hype are quickly finding that Mutuum Finance (MUTM) is the greatest coin to buy right now. It has a well-organized community and creative ways to give out rewards.
There is now an award system on the 24-hour leaderboard to incentivize big investors. Every day, the individual at the top of the rankings will win $500 in MUTM, but they have to make at least one trade in that time.
Entering the Final Presale Window Before November
Mutuum Finance (MUTM) is still in the presale period, but it has already made a big splash in the market. The coin has a total supply of 4 billion and has raised about $17.7 million so far. Phase 6 is now live and costs $0.035. About 72% of the 170 million tokens have now been sold. There are currently more than 17,400 holders, and the community is developing quickly.
Investors that got in early have already enjoyed good profits. The price of the token started at $0.01 in Phase 1 and has now gone up 3.5x to $0.035. That means that an investor who acquired $10,000 worth of MUTM in the first round now has more than $35,000. As the presale moves closer to its end, that identical spot will be worth $60,000 at the $0.06 listing price. The project’s growth projection reveals a way to get 12x returns by the middle of 2026, as long as more people utilize it and keep using it.
As November gets closer, the timing becomes very important. Stage 7, the next step, will start at $0.04, which is a 15% increase in price. This phase may be the last chance for investors to buy crypto before the next price rise.
Lending Models That Create Lasting Value
The dual lending system of Peer-to-Contract (P2C) and Peer-to-Peer (P2P) sets Mutuum Finance (MUTM) distinct from most other DeFi ventures. Both approaches operate together to keep the demand for tokens high and the liquidity flowing.
In the P2C system, lenders put assets like USDC, BTC, or ETH into the protocol to make it easier to trade. For instance, a user who lends $20,000 worth of USDC gets mtUSDC back and makes an average of 14% a year, which is $2,800 in passive revenue from the platform’s activity. On the other hand, borrowers can use things like ADA as collateral. A person who posts $1,500 in ADA can borrow 70% of its value, which is $1,050 USDT, without selling their tokens. This system lets people keep invested in their favorite assets while still being able to get cash.
The P2P mechanism gives you even more chances. It was made for people who want to lend or borrow tokens like SHIB, FLOKI, or TRUMP to get larger returns. These assets let people talk openly about loan terms, and they can yield between 25% and 35% in interest, depending on how risky they are. The risk isolation makes this approach even better. P2P lending occurs separately from the major liquidity pools, which protects the whole protocol and rewards users who take smart risks.
When these mechanisms work together, they will make the platform more active and keep the demand for MUTM high. Every time someone borrows or lends money, the number of people who use the service will grow, which will help build a long-term foundation for growth.
Upcoming Testnet Launch and Stability
The team announced on their official X account that Mutuum Finance (MUTM)’s V1 protocol will be launched on the Sepolia Testnet by Q4 2025. This first version will bring major components such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure efficient and secure operations. At the start, users will be able to lend, borrow, and use ETH or USDT as collateral without difficulty.
This early rollout gives users an opportunity to explore the platform before the official launch. Allowing real interaction with its features will help strengthen trust and attract more attention. As interest grows, the project’s demand and token value are likely to increase.
Mutuum Finance (MUTM) is also built with stability in mind. Assets like BTC, ETH, and USDT will enjoy loan-to-value ratios of around 75%, while more volatile tokens such as DOGE or PEPE will be capped between 40% and 55%. Reserve factors between 10% and 44% will further protect liquidity and ensure solvency. These risk controls make the system more reliable, even during unpredictable market conditions — a key trait for those focused on long-term growth.
Final Thoughts: Timing Before November
As Phase 6 comes to a close, Mutuum Finance (MUTM) is one of the best projects to get into before November. It has a lot of DeFi utility, a live dashboard, an active community, and a solid reward structure, which makes it one of the best presale tokens in 2025. The coin has already gone up 3.5X during presale, which indicates how quickly investors are becoming more confident.
The price will go up again when Phase 7 starts at $0.04, providing people in Phase 6 a head start before the listing phases. If you’re looking for a good crypto to buy now, Mutuum Finance (MUTM) has everything you need: transparency, rewards, innovation, and growth. People who want to make 5x to 10x returns by 2026 are now looking for projects that can keep making money, and Mutuum is leading the way. The time before November might not last long, but it could be the best one yet.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.comLinktree: https://linktr.ee/mutuumfinance
Source: https://finbold.com/which-crypto-to-buy-today-for-long-term-growth-before-november-starts/
