Ethereum (ETH) has cemented itself as the champion of the current bull run, leading with unmatched blue-chip dominance. Yet every market cycle eventually passes the baton to the next generation of platforms offering fresh utility and new issuance models. Analysts are already signaling that Mutuum Finance (MUTM) is preparing to take that role, with a presale price of $0.035 today set against a projection of $3 in the next run. With a beta launch timed for token listing, a Layer-2 framework for efficiency, and revenue-distribution mechanics that will funnel value back into the ecosystem, MUTM is being positioned as the safer, smarter bet for crypto investing beyond Ethereum (ETH)’s shadow.
The math behind the title is straightforward. Moving from $0.035 in Phase 6 of the presale to $3 translates into an 86X rise, or 8,470% growth. Such a projection is not built on speculation but rather on a robust framework designed to support sustainable expansion.
Mutuum Finance (MUTM) will introduce a stablecoin that is minted against overcollateralized borrowing and burned during repayment or liquidation. Governance will actively adjust borrowing rates to steer the peg toward $1, while arbitrage ensures constant price alignment. This design will not only stabilize the ecosystem but also generate organic borrowing demand, locking in the use of MUTM over time.
Revenue distribution mechanics will deepen token value. The protocol is set to use reserve factors from borrower interest and liquidation penalties to buy back MUTM from the open market. Those tokens will then be distributed to mtToken stakers, creating a cycle where platform activity directly translates into investor rewards.
A strong Chainlink-first oracle strategy with fallback providers, aggregated data feeds, and on-chain TWAPs will secure price discovery, ensuring accurate liquidations and safe loan-to-value ratios. Combined with utilization-based interest rates—where borrowing costs rise as liquidity grows scarce and fall when deposits are abundant—the system will continuously attract new deposits, fueling fee generation and expanding platform stability.
Presale traction is already strong. With a total supply of 4 billion tokens, Phase 6 is live at $0.035. Around $15.30 million has been generated, with 32% of the 170 million allocation already sold and more than 16,000 holders onboard. The project has also gathered over 12,000 followers on X. CertiK has completed a detailed audit using manual review and static analysis, confirming safety with a Token Scan Score of 95.00 and a Skynet Score of 78.00, with audits requested on February 25, 2025, and revised on May 20, 2025. Investors are being reminded that Phase 6 is already one-third complete, and once the next phase begins the price will rise 15% to $0.040, making this the last chance at the current discounted level.
Beyond token sales, Mutuum Finance (MUTM) is building clear protections into its core pools. Loans will remain overcollateralized with automated liquidations, while deposit and borrow caps will limit systemic risk. Restricted collateralization modes will prevent volatile assets from jeopardizing pool solvency, while Enhanced Collateral Efficiency will allow correlated assets to be deployed with higher capital productivity. These safety levers will not only preserve trust but also invite larger integrations and institutional adoption.
The roadmap is equally decisive. Phase 1 executive actions—including presale launch, audit completion, tracker listings, AI helpdesk rollout, and the $100k giveaway—are already in progress. Phases 2 through 4 outline the complete journey: contract and DApp build, testnet demo, beta testing, multi-firm audits, presale conclusion, then live platform deployment with listings and multi-chain expansion. Anticipated listings on Coinbase, KuCoin, Binance, Kraken, and MEXC will amplify exposure and accelerate adoption by millions worldwide.
For analysts making crypto predictions, this combination of scalable Layer-2 infrastructure, stablecoin utility, buy-and-distribute revenue, and presale momentum is why the $3 target is being projected with confidence. The beta launch at listing will ensure users immediately engage with borrowing, lending, and staking, creating activity-driven demand from the very start.
Investors wondering is crypto a good investment in September will see Ethereum (ETH) continue to dominate headlines, but the bigger question will be who leads the next leg. Mutuum Finance (MUTM) is laying the rails for that transition with fundamentals that prioritize both safety and scalability.
As Phase 6 sells out, the urgency becomes clear: securing tokens at $0.035 before the 15% step-up will be the smartest entry point for those aiming to ride the next wave of growth. For traders looking at crypto investing beyond this bull run, Mutuum Finance (MUTM) is being lined up not as a follower but as the leader gunning for $3.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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