This Penny Coin Converted $10K into $35K, Making It the Top Crypto to Buy Now

The crypto market often rewards those who act early. One standout example this year comes from Mutuum Finance (MUTM), an Ethereum-based DeFi project now catching global attention. Early investors who entered the presale at $0.01 turned $10,000 into $35,000 as the price climbed to $0.035. With each phase attracting new buyers and major analysts calling it one of the most promising DeFi projects before listing, many traders now view it as the top choice for what crypto to invest in before year-end.

From Penny Entry to Real Market Momentum

Mutuum Finance (MUTM) is running a structured 11-phase presale, with the total supply capped at 4 billion tokens. So far, the project has generated about $17.78 million to over 17,450 holders.. The current Phase 6 price is $0.035, and 74% of its 170 million tokens have already been sold. The next phase will raise the price to $0.04, marking a 15% increase for the next wave of participants.

An early buyer from Phase 1 at $0.01 is already sitting on a 250% value gain. Analysts who predicted Dogecoin’s breakout in 2021 now expect a similar trajectory here. At a listing price of $0.06, those early investors will see a 500% value return. With the crypto fear and greed index gradually leaning toward optimism, many traders are shifting focus from inactive tokens toward high-utility presale projects like Mutuum Finance (MUTM).

The project’s foundation is built on a dual lending structure that will soon go live on the Sepolia Testnet in Q4 2025. It combines Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models, creating an ecosystem where users will lend and borrow digital assets such as ETH and USDT for now through audited smart contracts. This version will feature core tools such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure smooth and safe functionality. This process will generate transactional revenue, which will later support the MUTM ecosystem through staking rewards and buybacks.

Stablecoin Depth and Oracle Precision Fueling the Next Surge

The growth of Mutuum Finance (MUTM) will be driven by its decentralized stablecoin—a key element behind its lending operations. The system will mint stablecoins when users borrow against collateral and remove them from circulation when loans are repaid or liquidated. Every stablecoin in the system will be overcollateralized and governed to maintain its $1 value through rate adjustments and arbitrage incentives.

This model will ensure continuous network engagement. Each borrowing or repayment event will feed fees into Mutuum’s economy, powering a loop of stable activity and MUTM utility. With each transaction linked to token usage, the platform will generate sustained demand that supports both lending and staking participants.

Mutuum’s oracle integration adds another layer of precision. Through Chainlink’s reliable pricing network, along with fallback and aggregated data feeds, asset valuations will remain accurate even during volatile periods. The system will use time-weighted averages from decentralized exchanges to enhance data consistency. This transparency will attract more serious lenders and larger borrowing activity, leading to consistent protocol revenue. Over time, these operations will expand the MUTM reward pool for mtToken stakers.

Exchange Listing, Security and Community Growth

Exchange listings are already gaining attention. As the presale nears its end and the testnet becomes fully active, the project is being reviewed for Tier-1 and Tier-2 exchange listings. These listings are expected to unlock global visibility and liquidity. Analysts who specialize in early-stage DeFi tokens predict that after listing, Mutuum Finance (MUTM) will reach between $0.10 and $0.12, marking gains of up to 240% from its current presale value. The progression will follow a logical chain: higher exposure leads to community growth, increased liquidity, and more utility-based engagement—all reinforcing the token’s market value.

Security remains a key pillar of Mutuum Finance (MUTM). The project has undergone a comprehensive CertiK audit, receiving a Token Scan Score of 90.00 and a Skynet Score of 79.00. These results reflect strong code quality and secure smart contract design. The audit process began in February 2025 and was revised in May 2025 to include further verification. Alongside the audit, a $50,000 USDT bug bounty pool has been launched, rewarding up to $2,000 for critical discoveries. This open system ensures that vulnerabilities are addressed before public release, adding another layer of safety for investors.

The community around Mutuum Finance (MUTM) continues to grow rapidly, now counting over 12,000 followers. Alongside its security focus, the project maintains a $100,000 giveaway campaign that will distribute $10,000 worth of MUTM tokens to 10 winners, strengthening visibility and participation before launch. 

A new reward system has been added to the 24-hour leaderboard, offering users a chance to win daily. The user ranking first at the end of each day will earn a $500 MUTM bonus, provided they’ve completed at least one transaction during that 24-hour period. The leaderboard refreshes automatically at 00:00 UTC each day.

Final Words

Mutuum Finance (MUTM) is quickly becoming one of the best ETH-linked DeFi tokens for making money in the near future. This is because Bitcoin (BTC) is gaining ground again and Ethereum projects are becoming more popular. It is a unique and reliable cryptocurrency since it has a strong security base, oracle-based accuracy, and stablecoin mechanics. 74% of Phase 6 tokens have been sold, and demand is still rising. The presale's price has already gone up from $0.01 to $0.035, which shows that investors are doing well.

Mutuum Finance (MUTM) is a rare mix of timing and usability for traders who are watching the cryptocurrency fear and greed index and are thinking about which crypto to buy next. People who joined before the price went up to $0.04 will still be seen as early adopters of smart money because they got in at $0.01. With this penny currency, little bets have already made five figures, and the next spike will make the entrance you made today look like a great deal.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance