While the cryptography market undergoes its usual rotation cycles, a model is becoming more and more obvious – investors move from layers of layer 1 underperforming heritage like Bitcoin Cash (BCH) and Hedera (Hbar), and rather pursue capitalization tokens with clear income flows and the usefulness of the protocol. In this evolving environment, Mutum Finance (MUTM) is gaining momentum as one of the most spoken presale of 2025, at the price of less than $ 1 and designed with real financial mechanisms which give it a tangible edge.
Mutum Finance (MUTM) does not try to drive media threshing or nostalgia for layer 1 – it is positioned as the decentralized loan ecosystem with buyout mechanisms, the integration of the stable reserve and passive APY rewards for users. With a presale price of only $ 0.035 in phase 6 and a registration price scheduled for $ 0.06, the first investors have already experienced yields of up to 250% compared to phase levels 1. However, the biggest story lies in the protocol itself – because it is not only another speculative part. It is a platform designed to evolve with real users, real yields and a real loan demand.
Loan protocols built for the future
While BCH and Hbar continue to lose ground due to the lack of expansion of public services, Mutum Finance (MUTM) captures attention with a loan architecture which in fact puts digital assets at work. The protocol will work via peer -with contract models (P2C) and between peers (P2P), the P2C side providing predictable yields and adjusted to risk.
In a scenario for future use, a lender will be able to put 5 BNB – around $ 1,500 – in the loan pool and start winning an annual percentage of 9.9%. This will amount to $ 148.5 per year of passive income, generated without managing or transferring the assets. This yield will be determined algorithmically according to the use of the pool, ensuring that the interest remains competitive and dynamic.
The borrowers, for their part, will lock the guarantees and receive instant access to liquidity without having to reimburse by a defined date. For example, the deposit of $ 10,000 in ADA will allow the user to borrow $ 6,500 from USDC from a loan / value ratio of 65%. As long as the health factor of the guarantee remains above the liquidation threshold, there will be no reimbursement deadline – making the flexible system for long -term holders who wish to liquidity without selling their tokens.
Mutum Finance (MUTM) will also include a P2P option, which will be for more advanced users. This model will allow borrowers and lenders to directly negotiate conditions, support more exotic tokens and allow opportunities for higher risk reward, all in an intelligent contract without confidence.
Prévente numbers speak for themselves
Prévente data reveal an increasing interest in Mutum Finance (MUTM). The project is currently in phase 6 of its presale at a price of $ 0.035. Until now, more than $ 13.8 million has been collected and more than 14,700 holders have already integrated. Only 7% of the token allocation of 170 million phases 6 was sold, but this number runs quickly because the price of phase 7 should reach $ 0.040, an increase of 15% compared to the current level.
Those who entered during phase 1 to 0.01 $ 0.01 and exchanged assets like ETH are now sitting on 250%gains. And with the registration price confirmed at $ 0.06 and the post-list prices projected between $ 1 and $ 3, a window of 20x to 30x remains open for phase 6 buyers.
Adding to investor confidence is the gift of $ 100,000, with 10 early adopters that should receive $ 10,000 from Mutm each. The project also manages a $ 50,000 bug bonus in partnership with Certik, one of the most respected names in the audit of intelligent contracts. Certik’s evaluation includes a manual and static code review, with Mutuum Score 95 on Scan Token and 78 on Skynet. These solid audit metrics position the project as a secure and transparent platform in a space where security is often overlooked.
And the visibility of Mutuum continues to grow. With more than 12,000 subscribers on Twitter and speaks of potential lists on high -level exchanges like Binance and Mexc, the presale is probably the last opportunity to acquire tokens at these prices. Once the token lists and the secondary markets have triggered the demand, the figures observed today should not return.
Last words
It’s not just a moment of market rotation – it’s a signal. Intelligent capital is moving towards protocols with integrated sustainability, yield mechanics and utility that extend beyond a simple value store. Mutum Finance (MUTM) delivers the three under a protocol, wrapped in a token that is still negotiated less than $ 0.04. You do not buy after the explosion – you position before ignition. The price of phase 7 will increase. Exchange lists are approaching. The loan protocol is already tested. It’s time. Once it lists $ 0.06, this could be the last time that retail investors can enter $ 1.
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