One of the hottest crypto projects of 2025 is Mutuum Finance (MUTM) , which has seen eager investors jump in following the recent Certik audit. The project is still in the presale phase, during which it has managed to get over $9.4 million from early supporters. Currently in phase 5, the presale has attracted over 11,200 unique buyers. The price of phase 5 is set at $0.03 per token, a 20% increase from the previous price of phase 4, which was $0.025. At the current price, buyers are guaranteed a 100% return on investment. The ROI will drop to 71.43% in phase 6, when the price increases by 16.67% to $0.035. Thus far, over 8% of the tokens set aside for phase 5 have been sold, which is quite impressive considering the current phase launched less than a week ago. Mutuum Finance (MUTM) could land on a major exchange One of the demands that major exchanges have before they can list a project is that it successfully passes a Certik audit. Having passed the audit, the team is now working to get the token listed on leading crypto exchanges, which they expect to succeed at. There are many factors working in its favor. These include the success of the presale so far, the massive social media following, with over 10K followers on X alone, and its unique value proposition. In the past, meme coins, which offer little to no utility, have landed a listing on major exchanges, simply because of their large communities. Its massive following on social media could tip the scales in its favor going forward. One of the benefits of a listing on a major crypto exchange is that it increases visibility for a project. Additionally, it increases liquidity, which can contribute to the token price skyrocketing by as much as 10x within the first few days of listing. While nothing has been confirmed yet, the success of the presale means that the Mutuum Finance (MUTM) developer team has the resources to make this aspiration a reality. Mutuum Finance (MUTM) is powered by utility The Mutuum Finance (MUTM) protocol represents an important pivot to utility. It does this through its innovative dual-mode lending protocol that aims to foster inclusivity in the DeFi sector. The first mode, called peer-to-contract, is reserved for high-value assets with high liquidity. Within the P2C mode, lenders deposit assets in a collective pool, governed by an audited smart contract. These assets earn an annual percentage yield, which is based on the pool’s utilization rate. As more borrowers join a pool, the yield goes up, which encourages more lenders to join. Inversely, the higher rate discourages borrowers from taking more loans. Consequently, the positive feedback loop leads to high capital efficiency and predictable yields. To ensure that lenders retain full liquidity even when their assets are in a lending pool, the protocol has a feature called mtTokens. For instance, when a lender deposits $5,000 worth of USDT, they receive mtUSDT tokens, which represent their share in the pool, as well as any interest accrued. These mtTokens are built using the ERC-20 token standard, which means they can be sold on secondary marketplaces. Additionally, they can be used as collateral for other loans within the Mutuum Finance ecosystem. The mtTokens also provide an easy means for users to track their assets in the pools. In the second mode called peer-to-peer (P2P), lenders and borrowers engage in direct talks with each other on the terms of the loans. This mode is kept insulated from the overall ecosystem, since it is designed for digital assets with high volatility and low liquidity, such as the BONK meme coin. Isolating them ensures that their high volatility does not impact the overall stability of the Mutuum Finance protocol. The other important players within Mutuum Finance are the liquidators. Their actions are governed by a stability factor built into the protocol. When a loan’s collateral value falls below a certain threshold, that position is liquidated. The liquidators can then purchase the debt at a discount, making a small profit in the process. These liquidators are crucial to ensuring that bad debt does not impact the overall health of the ecosystem. Incentivizing stakers with dividends Mutuum Finance (MUTM) has built a long-term strategy for incentivizing stakers to remain in the ecosystem through profit sharing. The profits made from various actions within the protocol are used to purchase MUTM tokens on the open market. These tokens are then distributed to stakers, creating a long-term passive revenue stream. For more information about Mutuum Finance (MUTM), visit the links below: Website: https://www.mutuumfinance.app/ Linktree: https://linktr.ee/mutuumfinance The post MUTM is growing fast: here’s why you should get it before a major listing appeared first on Invezz
