Best Crypto to Invest Next, Buy Before Q4 V1 Ignites the Predicted 15x Multiplier

The search for the next crypto to hit $1 is intensifying. Investors are moving from speculative tokens to assets with real utility and growth potential. Mutuum Finance (MUTM) stands out as the best crypto to invest next. Its dual-lending platform, clear revenue model, and pre-launch functionality position it for a massive surge once V1 goes live in Q4 2025. Early participants will benefit from both presale pricing and token utility, creating the perfect combination for substantial gains. The crypto investing dynamics are changing rapidly. Meme coins are losing their appeal, while utility-backed DeFi protocols are capturing investor attention. Its dual-lending model will provide both predictable returns and high-risk, high-reward opportunities. With real-yield functionality and a functioning testnet soon to launch, MUTM represents a strategic entry point before token utility activates full market demand.

Mutuum Finance (MUTM) Presale Numbers

Mutuum Finance (MUTM) has a total planned supply of 4B tokens. Across all presale phases, approximately $19 million have already been raised. Currently, Phase 6 is priced at $0.035, with 95% of 170 million tokens already reserved. Over 18,500 holders participated across all phases. The listing price is projected at $0.06. This makes the current presale price a discounted opportunity relative to future utility-driven demand. Smart buyers secure a position before V1 unlocks lending and staking features that create tangible value.

Consider an investor swapping $2,500 worth of SOL during Phase 2 at $0.015. They received 167K MUTM tokens. At the current Phase 6 price of $0.035, their unrealized gain is 133%. At the listing price of $0.06, those tokens will rise 4×. Post-launch, with the projected 15× multiplier triggered by V1 activity, those 1667K tokens will be valued at $88K. This demonstrates how early participation maximizes upside while aligning with platform growth.

Mutuum Finance (MUTM) is a decentralized, non-custodial lending ecosystem designed to simplify DeFi for everyday users. Its protocol integrates pooled lending markets, isolated P2P lending options, automated interest mechanisms, and mtTokens that act as yield-generating receipts. The project aims to offer a smooth, intuitive environment where users can lend, borrow, earn returns, and access various on-chain tools—all while retaining complete ownership and control of their funds.

Market mechanics and liquidity management are carefully designed. Stablecoins maintain higher collateral efficiency with 95% LTV. Volatile assets have adjustable LTVs between 35–95% to mitigate risk. Liquidation thresholds protect the system while maintaining MtToken solvency. This approach balances security with accessible borrowing, allowing participants to maximize returns while safeguarding the protocol.

Mutuum Finance (MUTM)’s lending and borrowing contracts have been finalized and are currently under an independent audit by Halborn Security. The code is undergoing comprehensive formal review to confirm its security, correctness, and overall reliability before deployment.

Road to 15X Growth

Mutuum Finance (MUTM) revealed through its official X channel that the V1 release of its protocol is planned for deployment on the Sepolia Testnet in Q4 2025. This first iteration will introduce the platform’s key structural components, including the liquidity pool, the mtToken and debt token frameworks, and an automated liquidator bot that will help protect collateral and maintain smooth system performance. During this phase, users will be able to borrow, lend, and use ETH or USDT as collateral assets.

Launching V1 on the testnet provides the community with early access to the protocol before the full mainnet rollout. This structured approach supports transparency, encourages user participation, and enables the team to collect meaningful feedback for refinement. As more participants test the system and awareness increases, interest surrounding the ecosystem is likely to grow, helping strengthen long-term trust and demand for the MUTM token.

Mutuum Finance (MUTM) has a buy-and-distribute approach to keep the market demand stable and to reward the possessor of active users. The platform's share of the total revenue generated from lending and borrowing is used to buy back MUTM tokens from the market. These tokens are then passed on to the stakers of mtToken, who get a share of the earnings made by the platform through actual activity. As the revenue of the platform increases, it becomes the source of buybacks, i.e., more demand is created, the price is stabilized, and no growth is supported that the company has planned for the long term. This strategy gives priority to active participants, avoids the inflationary token release, and helps transform the dead protocol earnings into an ongoing market support and thus places the MUTM token to enjoy sustained post-launch momentum.

Launching the platform and token together creates immediate liquidity and trading volume. Exchange confidence will be higher due to instant utility. Right from the start, users will take advantage of the lending, borrowing, and staking features, which will help to create a solid momentum after the listing. The launch plan adds up to token value being tied through the demand in the platform, thus assuring growth that is not going to be short-lived.

Phase 6 Tight Window

Only 5% of the tokens are left in the sixth phase of the presale, so it is almost fully sold out. The next phase will see an increase in price to $0.040 making $0.035 a chance to buy discounted tokens before the price hike. Mutuum Finance (MUTM) is set for an amazing surge with the release of Q4 V1 being the main reason for the increase. The estimated 15× increase after launch makes it best for investors to buy tokens now. Those who buy early will get the benefit of presale price, active platform utility, and a clear pathway to the next crypto token that reaches $1.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance