Which Crypto to Buy Now? $0.035 Token Could Beat 2021’s Top Performers Including Solana (SOL)

---

---

The post Which Crypto to Buy Now? $0.035 Token Could Beat 2021’s Top Performers Including Solana (SOL) appeared first on Coinpedia Fintech News

Back in 2021, Solana (SOL) rose from under $2 to more than $250, rewarding early believers with life-changing returns. Traders in 2025 are once again hunting for the next breakout project before it lists on major exchanges. Mutuum Finance (MUTM) stands out in this search. It is a presale-stage DeFi project with strong mechanics designed to create consistent demand through real yield, buybacks, and collateral-backed stability.

Mutuum Finance (MUTM) Presale and Ecosystem Setup

Mutuum Finance (MUTM) is currently in Phase 6 of its live presale. It has raised over $17 million with more than 16,800 holders already on board. 60% of the 170 million tokens available in this phase are sold at the current price of $0.035. The total supply stands at 4 billion tokens. Phase 7 will raise the price to $0.040, a 15% increase. The project has completed a CertiK audit using Manual Review and Static Analysis, securing a TokenScan Score of 90.00 and a Skynet Score of 79.00. The audit was first requested on February 25, 2025, and revised on May 20, 2025.

Over 12,000 followers are tracking the project on social media as it prepares for its beta Sepolia Testnet launch in Q4 2025. The beta will activate core modules including the Liquidity Pool, mtToken system, Debt Token logic, and Liquidator Bot. Initial assets will include ETH and USDT to ensure deep liquidity and stable performance from the start.

Real Yield and Borrowing Mechanics

In the Peer-to-Contract (P2C) lending model, lenders will supply assets into liquidity pools. For example, a user will deposit $10,000 worth of ETH into the ETH/USDT pool and receive mtETH at a 1:1 ratio. This mtETH will represent ownership in the pool and earn an average APY of 15%. After one year, that deposit will yield $1,500 in interest. These mtTokens will also serve as collateral, creating a cycle where users can compound their earning potential without selling their assets.

On the borrowing side, a user will post $2,000 worth of ADA as collateral. Based on a 75% Loan-to-Value (LTV) ratio, they will borrow $1,500 worth of stablecoins. Borrowers will choose between variable and stable interest rates. Stable rates will automatically rebalance when they drop to 90% of variable rates, maintaining predictable repayment conditions. Borrowers will have the flexibility to repay early or extend loans through scheduled repayment windows.

The Peer-to-Peer (P2P) lane will handle riskier assets such as meme or low-liquidity tokens like DOGE and PEPE. These loans will be negotiated directly between users, with rates and durations agreed upon individually. The P2P market will stay isolated from the main liquidity pools to protect the core ecosystem from volatility.

Mutuum Finance (MUTM) will ensure all loans remain overcollateralized. The Stability Factor will monitor collateral health, and if it falls below safety thresholds, automated liquidations will begin. Liquidators will buy the debt at a discount, while penalties will feed back into the platform treasury.

Stablecoins and ETH will sustain LTVs up to 75% with liquidation thresholds near 80%. Higher-risk tokens will stay within 35% to 60% LTV and around 65% liquidation thresholds. Reserve factors will range from 10% for stable assets to 55% for volatile ones.

On-chain liquidity will guarantee fast, low-slippage liquidations. Deposit and borrowing caps will keep markets balanced, while restricted collateralization will limit exposure for volatile assets. As pool utilization rises, interest rates will increase to attract more lenders, ensuring dynamic capital flow.

Rewards, Security, and Growth Outlook

Mutuum Finance (MUTM) has already launched its live dashboard where users can connect their wallets, track ROI, and view a Top 50 Leaderboard. The highest-ranking participants will earn bonus MUTM rewards, encouraging long-term engagement.

The platform’s CertiK audit confirms strong security standards, and further protection will come from a $50,000 USDT Bug Bounty Program. Rewards will reach up to $2,000 for critical findings and $200 for minor ones. Community excitement will grow further through the $100,000 giveaway, where ten winners will each receive $10,000 in MUTM tokens.

A strong example of Mutuum Finance (MUTM)’s growth path is visible in its presale progression. An investor who entered Phase 1 with $7,500 at $0.01 now holds $26,250 at the current price of $0.035. Once the listing reaches $0.06, that investment will rise to $45,000. The project’s testnet launch in 2025 Q4, upcoming Layer-2 adoption, and buybacks funded by protocol revenue will all drive long-term price growth. Future listings on exchanges like Binance or Coinbase will bring global accessibility and trading volume.

Phase 6 of the presale is already 60% sold, and the next price increase will happen soon. For anyone investing in crypto today and asking, is crypto a good investment, the answer will depend on finding projects that deliver real yield, transparency, and growth mechanics. Mutuum Finance (MUTM) checks all these boxes. Early buyers still have a chance to secure tokens at $0.035 before the next phase moves the price higher.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance