Best Crypto to Invest in for the Next Bull Run, $18.55 Million Raised So Far

After the long crypto crash, many investors are now preparing for the next market uptrend. The search for projects with clear use cases and steady income models is rising again. Among the new cryptocurrency options, Mutuum Finance (MUTM) is attracting strong attention during its ongoing presale. The project has already raised $18.55 million while building a lending system that combines yield generation with real demand. As analysts expect utility-backed tokens to lead the next rally, Mutuum Finance (MUTM) is being recognized as one of the best DeFi investments to watch in 2025.

Lending Models That Create Real Demand

Mutuum Finance (MUTM) plans to reshape decentralized lending through its two-layer system. The first is Peer-to-Contract, which will allow users to supply stablecoins or top assets like DAI, or ETH into audited smart contracts. These pools will then provide loans to verified borrowers, keeping all loans overcollateralized for safety.

A simple example shows how this works. A user who lends $10,000 in USDC will receive mtUSDC, a token that represents their share of the pool. With an average 15% annual yield, this deposit will generate $1,500 in passive income over one year. These mtTokens will also be eligible for staking rewards in MUTM, creating a second income stream for users who stay active.

Borrowers will enjoy flexible access to liquidity while still keeping their assets. For instance, someone holding $1,000 worth of ETH will be able to borrow up to 87% of that value without selling their holdings. The system will balance risk through dynamic loan-to-value ratios that adjust based on asset stability.

The Peer-to-Peer layer will give more experienced users the option to create direct lending deals. This will include high-volatility coins like DOGE and SHIB. Lenders and borrowers will agree on interest rates and durations privately. This dual system makes Mutuum Finance (MUTM) adaptable to all market conditions while maintaining demand across multiple asset types.

The Buy-and-Distribute Engine for Growth

Mutuum Finance (MUTM) introduces a buy-and-distribute model designed to link token value directly with platform activity. When users borrow, lend, or stake, a portion of the platform’s revenue will be used to buy MUTM tokens from the open market. These purchased tokens will then be distributed to mtToken stakers as rewards.

This structure transforms daily operations into constant buying activity, rewarding participants with value earned from real protocol revenue. It encourages users to stay active, lend more, and lock in their tokens for longer periods. As the platform’s transaction volume expands, so will the flow of rewards distributed to its community.

The model also builds strong alignment between the platform’s growth and token demand. Each new loan, repayment, or staking event will add to overall buy pressure. This positive cycle will help Mutuum Finance (MUTM) maintain healthy liquidity and user participation well beyond its launch.

Security, Development, and Launch Synchronization

Mutuum Finance (MUTM) is underpinned by fully audited smart contracts, with a TokenScan Score of 90 and a Skynet Score of 79 from CertiK. The audit reflects the project’s technical reliability and investor protection standards. The platform’s development includes a V1 protocol launch on Sepolia Testnet release scheduled for Q4 2025. The testnet will feature essential components like liquidity pools, mtToken minting, and liquidation bots that keep the lending process secure. At this stage, users will be able to lend and borrow while using ETH or USDT as collateral within the protocol.

The team also plans to align the platform launch and token listing within the same window. This means that traders will immediately be able to lend, borrow, and stake once the token starts trading. Many presales release their tokens before the actual platform is ready, which often leads to weak market activity. Mutuum Finance (MUTM) intends to take the opposite route by launching utility and token together, supporting stronger organic trading demand from the first day.

Community Incentives and Market Stability

Mutuum Finance (MUTM) keeps users engaged through its live leaderboard and dashboard. Every 24 hours, the most active participant earns MUTM rewards, with the leaderboard resetting daily. This gamified incentive system encourages ongoing transactions and builds a vibrant user base.

The platform’s structure is also built for resilience. All loans will stay overcollateralized, and a built-in stability factor will protect liquidity providers by monitoring collateral health. Liquidations will happen automatically if prices fall too sharply, ensuring stability even during market shocks.

Mutuum Finance (MUTM) has already attracted over 17,800 holders during its presale. The current Phase 6 price stands at $0.035, with 87% of tokens already sold and the next round set to rise by 15% to $0.04. Investors entering now are still early, gaining access before the next phase jump and eventual exchange listing window.

By combining active buybacks, dual lending systems, and strong security audits, Mutuum Finance (MUTM) positions itself as a standout new cryptocurrency ready for the next bull market. Its balance of practical lending use cases and community incentives gives it a foundation that many DeFi tokens lack. As the broader market recovers from the recent crypto crash, this project is shaping up to be one of the most promising entries for investors looking beyond short-term hype and toward sustainable on-chain growth.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance