Top 3 Crypto Picks With Real-World Utility in 2025

The crypto world never slows down, and June 2025 has not been an exception. It has been a year marked by new highs and extreme market volatility. Additionally, it has seen an increased rate of institutional adoption of crypto, with a major bank now planning to offer loans backed by crypto.

With June promising to be yet another exciting year for crypto, here are the top three crypto picks you should choose. Amongst this, Mutuum Finance (MUTM) offers some of the biggest returns of 2025. According to analysts, it could explode in price by 2,455%.

Cardano (ADA)

Cardano (ADA) is a proof-of-stake blockchain built for fast speeds and low transaction costs. Unlike most other blockchain platforms, Cardano uses a peer-reviewed approach to development. One of the downsides of Cardano is that its peer-reviewed approach to development has sidelined most of the crypto industry. It has been slow to release upgrades, and it is too sophisticated for most people to understand. As such, Cardano (ADA) is forecast to grow solely compared to the rest of the crypto market.

Stellar (XLM)

Stellar (XLM) is a project launched back in 2014 as a means of fast cross-border payments. It is used to facilitate transactions in different currencies quickly. Stellar (XLM) is intended to be a bridge currency between fiat and crypto.

One of the main downsides of XLM is that there is no use case outside of cross-border payments. Its use case is also constrained in that it has not been able to compete with the legacy financial system. As such, it has remained a fringe service. For massive growth powered by utility, Mutuum Finance (MUTM) could be your best option.

Mutuum Finance (MUTM): The Future of DeFi

Mutuum Finance (MUTM) is a revolutionary DeFi ecosystem that aims to redefine the financial sector. The protocol is decentralized and non-custodial, and users can participate as lenders, borrowers, or liquidators.

Lenders can deposit their assets in the protocol to receive passive income as annual percentage yields, while borrowers can deposit overcollateralized collateral to get a loan. The percentage yield that lenders can earn from a pool is based on the pool utilization rate.

Protocol Safeguards For Mutuum Finance

Mutuum Finance (MUTM) has numerous protocol safeguards that are meant to protect all users, ensuring they can continue to make a profit. One of the safeguards is the Loan-to-Value (LTV) ratio, which is a cap on how much users can borrow relative to the value of the collateral.

For instance, if ADA has an LTV of 75%, it means that when a user pledges 1 ADA of collateral, they can borrow up to 0.75 ADA worth of a given asset. The effective LTV ratio is always fluctuating in line with the asset price.

The other protocol safeguard is the liquidation trigger, which establishes a threshold at which a debt position is considered undercollateralized. If the borrowed amount surpasses the threshold, Mutuum Finance (MUTM) considers it unsafe, and it is liquidated. A liquidation is carried out by liquidators, who acquire the collateral for a loan position at a discount. Their actions help to keep bad debt off the protocol and maintain overall ecosystem health.

Once a position is liquidated, the borrower is charged a liquidation penalty, a portion of which goes to the treasury, while the rest goes to the liquidators. To determine how much liquidators and the treasury get, an allocation factor is used. It aims to balance between ensuring fast liquidations and protecting the long-term solvency of the ecosystem.

Finally, there is a reserve factor, which collects a fraction of the borrower’s interest via the reserve factor. These funds go into an aggregate pool and offset potential defaults due to extreme market events. Tokens with a higher stability are often assigned a smaller reserve factor of around 10%, while those assets that are considered more unstable get a bigger reserve factor of up to 35%.

The Mutuum Finance (MUTM) Presale

The Mutuum Finance (MUTM) project is currently in phase 5 of the presale, where tokens are going for $0.03. So far, over $10.55 million has been raised in the ongoing presale from around 12,000 unique buyers.

The current phase of the presale is around two weeks old, and over 35% of the tokens reserved for the phase have already been sold. That signals a high level of participation, much faster than phase 1 when the tokens were going for $0.01. One of the biggest catalysts for this current phase of the presale is the ongoing giveaway.

Mutuum Finance (MUTM) is running a $100,000 giveaway in which it plans to give away $10,000 worth of MUTM tokens to ten lucky winners each. To participate in this giveaway, all you need to do is participate in the presale with a minimum of $50.

With the MUTM tokens expected to explode in price, coupled with this massive giveaway, there is no reason you should miss this opportunity. It could be one of your biggest in the crypto world in 2025, and beyond. 

For more information about Mutuum Finance (MUTM), visit the links below:

Website: https://www.mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance