Crypto analysts are preparing for a major rotation in 2025. After Bitcoin’s halving, liquidity will flow toward real-yield projects with measurable on-chain activity. The focus is shifting from speculative tokens to platforms that produce sustainable revenue. XRP remains a recognized name, but its centralized token supply and slow network adoption are limiting its upside. Analysts are now spotlighting a new crypto coin, Mutuum Finance (MUTM), which blends DeFi utility with a still-undervalued presale price — a combination that has made it one of the top crypto assets to watch this cycle.

Analysts Favor Utility Over Hype

Mutuum Finance (MUTM) has emerged as an analyst favorite due to its clear revenue model and early-stage accessibility. The presale is now in Phase 6, priced at $0.035, with around $17.62 million already raised combining all phases of presale. More than 17,400 holders have joined to date, and 72% of this phase’s tokens are sold. Once it shifts to Phase 7, the price will rise 15% to $0.040. That makes this stage a time-sensitive entry point before the next valuation jump.

MUTM will serve as the native token of Mutuum’s dual-lending network. The platform’s design integrates two complementary systems — Peer-to-Contract (P2C) and Peer-to-Peer (P2P). The P2C model will use pooled liquidity for predictable returns and stable yield generation, while the P2P segment will allow flexible agreements for higher-risk, high-reward assets. This structure builds both liquidity stability and diversified revenue streams, two metrics that analysts identify as crucial for DeFi resilience in 2025.

Where XRP took years to translate its concept into measurable network demand, Mutuum Finance (MUTM) is aligning its product and token launch from the start. Once the platform goes live, users will be able to borrow, lend, and stake using MUTM immediately. This synchronized rollout ensures the token will have instant functional demand, supporting both exchange liquidity and protocol adoption.

$1 Pegged Stablecoin, Testnet Launch & MUTM Buybacks

The project’s long-term expansion includes a decentralized stablecoin system pegged to $1, minted only when users borrow against collateral like ETH, SOL, or AVAX. Each minting and repayment process will create on-chain demand for MUTM, linking real financial activity directly to token circulation. Governance will adjust interest rates to maintain the peg, while overcollateralized positions and automated liquidations will safeguard stability — a setup that positions Mutuum as a true utility-driven ecosystem.

Mutuum Finance (MUTM) recently announced via its official X handle that the protocol’s V1 version is set to launch on the Sepolia Testnet in Q4 2025. This milestone release will roll out essential components like the liquidity pool, mtToken, debt token, and liquidator bot — all designed to maintain system stability and reliability. In this phase, users will be able to lend, borrow, and use ETH or USDT as collateral with a seamless experience.

The testnet release will serve as a preview of the full platform, allowing users to interact with core features and understand the ecosystem firsthand. This strategic move aims to foster transparency and build early trust among users. As engagement rises and confidence strengthens, it’s expected to create growing demand for the protocol — a factor that could positively impact the MUTM token’s value.

Mutuum’s token model will also feature recurring buybacks. Revenue from borrowing fees will be used to purchase MUTM from the open market and redistribute it to mtToken stakers. This buy-and-distribute cycle introduces deflationary pressure while rewarding active participants. It is a system built to maintain consistent token demand and align user incentives with platform growth — something most legacy networks lack.

From a returns standpoint, analysts are already comparing Mutuum Finance (MUTM) to early-stage DeFi leaders like AAVE or COMP. A buyer who entered during Phase 3 at $0.020 with $8,000 now holds tokens valued at $14,000 at the current presale price — a 75% increase before listing. When MUTM reaches the analyst target of $0.10 in 2025, that same position will be valued at $40,000, translating to a 5× return. Such growth projections are rarely achievable with large-cap coins like XRP, which already carry multibillion-dollar market caps and limited expansion room.

The 2025 Launch Setup

Mutuum Finance (MUTM) is also preparing for its Sepolia Testnet in Q4 2025, introducing modules for ETH and USDT lending, mtToken and Debt Token systems, and a Liquidator Bot for automated risk management. This phase-wise rollout gives the ecosystem a structured path toward mainnet readiness, ensuring stability before mass adoption.

Beyond core development, the project is driving community engagement through a 24-hrs live leaderboard. A new daily bonus feature has been introduced to the 24-hour leaderboard. Each day, the user who ranks first will be rewarded with $500 in MUTM, provided they make at least one transaction within that 24-hour timeframe. The leaderboard automatically resets every day at 00:00 UTC.

Institutional research reports suggest that after the next market rotation, capital will favor yield-generating DeFi ecosystems that can prove real revenue. XRP remains dominant by brand, but its centralized token structure limits its flexibility. Mutuum Finance (MUTM), on the other hand, offers decentralized lending, deflationary tokenomics, and synchronized product activation — all while trading at a fraction of the cost of top-cap coins.

As Phase 6 nears completion, the opportunity window is narrowing. With 72% of tokens already sold and the next phase set to increase the price to $0.040, analysts describe this presale stage as the “final discounted window” before market repricing begins.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance