Top Crypto You Should Consider Investing This Bull Run, Experts Explain

As investors scan crypto prices today, one question keeps coming up: which project still offers real upside before the next major market move? Experts often point to early-stage tokens with working products, strong user growth, and clear utility.

One name that continues to stand out is Mutuum Finance (MUTM), a DeFi lending protocol currently in presale phase 7. With a live testnet, growing community, and a structured token model, MUTM is increasingly viewed as one of the cheapest cryptocurrency opportunities with a clear path toward long-term value.

Why Timing Matters

Right now, timing matters. Mutuum Finance (MUTM) is still in its presale stage, which means investors are entering before the platform's full launch and broader market exposure. This phase is often where early momentum is built, and MUTM's current numbers already show strong demand.

At the moment, Mutuum Finance (MUTM) has a total supply of 4 billion tokens. Across all presale phases combined, the project has generated around $20.25 million so far, showing steady interest from early backers.

The current presale price is $0.04 per token in phase 7, with 180 million tokens allocated to this phase. Already, 12% of this phase supply has been sold, and the total number of holders has crossed 19,000 when combining all presale phases. These figures suggest that MUTM is gaining traction while still being accessible at a discounted level.

Why Mutuum Finance (MUTM) Is Gaining Attention This Bull Run

Mutuum Finance (MUTM) is a decentralized lending and borrowing protocol built around two distinct models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). The P2C model allows users to interact directly with liquidity pools. Lenders deposit assets into pools, while borrowers access liquidity by providing collateral.

This approach offers predictable rates and efficient capital use. The P2P model, on the other hand, directly matches lenders and borrowers, allowing for more flexible, customized terms between both parties. Together, these dual models make the platform adaptable to different user needs.

The project has already reached an important technical milestone. In November 2025, Mutuum Finance (MUTM)'s smart contracts underwent a formal security assessment by Halborn, a well-respected blockchain security firm.

The audit reviewed the core protocol code and identified six issues, including one high-severity finding. All reported issues were fully addressed and resolved by the
Mutuum team before completion. Halborn confirmed that 100% of findings were remediated, reinforcing confidence in the protocol's security as it moves toward launch.

Mutuum Finance (MUTM) has also deployed its first version on the Sepolia testnet. This is the first live environment that closely mirrors real mainnet conditions, allowing users to test the platform without financial risk. V1 includes asset-based liquidity pools, interest-earning mtTokens, transparent debt tokens, automated liquidations, and support for ETH, USDT, LINK, and WBTC.

To understand how this works in practice, consider a simple example. A lender deposits $2,500 in USDT into a liquidity pool and receives mtUSDT in return. As borrowers pay interest, the value of mtUSDT grows over time.

On the borrowing side, a user can lock $5,000 worth of WBTC as collateral and borrow $3,000 in USDT, gaining access to liquidity without selling their asset during a market dip. This structure creates ongoing activity within the ecosystem, linking MUTM demand to real usage rather than hype.

What Builds Growth Momentum?

Growth drivers for Mutuum Finance (MUTM) are rooted in utility. The lending, borrowing, and upcoming staking features are designed to create continuous demand for MUTM. Nearly every action on the platform ties back to the token, which supports long-term value as user activity increases.

Mutuum Finance (MUTM) also introduces a buy-and-distribute mechanism. A portion of platform revenue generated from lending and borrowing activities will be used to repurchase MUTM tokens from the open market.

These tokens are then distributed to mtToken stakers as rewards. As platform usage grows, this mechanism is designed to create continuous buy pressure, supporting price stability and potential appreciation over time.

Community engagement is another strong point. Mutuum Finance (MUTM) has built a following of over 12,000 Twitter followers and continues to expand. An ongoing $100K giveaway has been going on, where ten winners each receive $10,000 worth of MUTM tokens. The dashboard is already live, allowing investors to track holdings and estimate ROI.

The Top 50 leaderboard rewards the largest contributors with bonus MUTM, and a daily 24-hour leaderboard adds extra excitement. Each day, the top-ranked user can earn $500 in MUTM, provided they complete at least one transaction before the leaderboard resets at 00:00 UTC.

As the bull run narrative strengthens and attention shifts toward real utility projects, MUTM sits in a position that many believe will not stay overlooked for long. With presale phase 7 still open and momentum clearly building, those watching crypto prices today may find that acting sooner.

For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance

Mutuum Finance (MUTM) is an Ethereum-based, non-custodial decentralized finance (DeFi) protocol designed for lending and borrowing digital assets without intermediaries.

J. Weir
Contact@mutuum.com

This release was published on openPR.