The clock is ticking on one of the most talked-about low-cap tokens in the market right now.
With over 90% of Phase 4 already completed, Mutuum Finance (MUTM) is approaching its next price increase — and investor activity is only intensifying as the window to buy under $0.03 rapidly closes.
As excitement builds ahead of Phase 5, where the token will rise from $0.025 to $0.03, seasoned traders and crypto newcomers alike are keeping their eyes on MUTM as one of the best cryptocurrencies to buy now before momentum takes over.
Mutuum Finance (MUTM)
In the span of just a few weeks, Mutuum has attracted a growing base of over 10,200 holders and raised more than $8.9 million in funding — a signal that the market is taking notice.
With more than 490 million tokens sold so far, the 4th phase of the presale is almost fully subscribed. Once Phase 5 begins, investors will see a 20% price jump, and from there, the momentum only builds.
The final listing price is set at $0.06, meaning those entering now are securing MUTM at less than half of its planned market debut value.
This early-stage entry is what makes it one of the best cryptos to invest in today, especially for those looking to capitalize on real utility and future exchange listings.
Mutuum Finance sets itself apart from typical early-stage tokens by focusing on a real, revenue-driven product rather than short-term hype or social media trends.
The platform is built as a decentralized lending and borrowing protocol that operates without custodians or middlemen.
Users deposit assets like ETH or USDC and receive mtTokens in return — digital representations of their deposits that grow in value over time based on interest earned from borrowers.
Every mtToken tracks both the initial principal and the accumulated yield. These tokens are ERC-20 compliant, meaning they can also be transferred or integrated into other DeFi crypto ecosystems.
The interest rates on the platform are not fixed manually — they shift automatically based on liquidity pool usage, creating a real-time feedback loop that rewards early lenders and active borrowers.
Mutuum supports both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models, giving users options based on their risk preferences and asset choices.
In the P2C setup, users interact with shared liquidity pools where rates change dynamically depending on usage.
In contrast, the P2P feature allows borrowers and lenders to negotiate directly, making it possible to support more speculative or niche tokens — including ones like PEPE or SHIB — without affecting core liquidity reserves.
This flexible structure allows Mutuum to serve both conservative users looking for stable returns and those seeking higher-yield opportunities with custom agreements.
It’s part of what gives MUTM broad appeal across different investor profiles and cements its position among top cryptocurrencies worth watching.
Stablecoin backing & distribution
In addition to its lending features, Mutuum is gearing up to launch a decentralized stablecoin backed by overcollateralized assets.
Unlike centralized options or under-collateralized models, this stablecoin will be minted directly through collateral supplied in the lending protocol.
Its supply adjusts dynamically through minting and burning mechanisms, and all interest from these loans feeds back into Mutuum’s treasury — strengthening the project’s reserves.
Meanwhile, Mutuum’s buy-and-redistribute mechanism offers a new angle for generating passive income.
A share of the platform’s earnings is allocated to buying MUTM tokens from the market, which are later distributed to users who have locked their mtTokens within designated contracts.
This system aligns incentives across the board and supports ongoing token demand.
To strengthen trust, Mutuum Finance is currently being audited by Certik, a leading name in blockchain security. The team will announce audit results via official channels.
Alongside the token launch, a beta version of the Mutuum platform is expected to go live — meaning early adopters won’t be waiting months to use the product.
This kind of launch-readiness is rare in presale projects and is drawing attention from investors looking for more than speculative hope.
With the price locked at $0.025 for just a little longer, the window to enter before Phase 5 begins is nearly gone.
Once the token reaches $0.03, the opportunity to secure an early position at one of the most promising DeFi startups will look very different — especially as anticipation builds for the $0.06 listing and beyond.
MUTM isn’t just another presale token — it’s shaping up to be a foundational piece of the next generation of DeFi platforms.
With passive income options, lending flexibility, and a stablecoin ecosystem on the way, it’s easy to see why it ranks among the best crypto coin to buy now for both short-term gain and long-term potential.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance
The post Only hours left before phase 5 — MUTM still ranks among the best cryptos to buy appeared first on Invezz
https://invezz.com/news/2025/05/20/only-hours-left-before-phase-5-mutm-still-ranks-among-the-best-cryptos-to-buy-now/
