It takes a couple of years between consideration of a new crypto project that draws the attention of the market to the right reason, not hype, but quality design and steady implementation. One of those projects is in 2025 Mutuum Finance (MUTM). Priced at only $0.035, it is already turning out to be one of the potential best crypto to watch now, due to its transparent pre-sale, product roadmap, and its sustainable model of tokens.  Mutuum Finance (MUTM) Mutuum Finance is constructing a decentralized lending and borrowing protocol, intended to make markets on chains safer and more efficient. Rather than having the speculation, it adds financial mechanistic, which would reward users through participation. The protocol consists of two basic markets. The first one is that of Peer-to-Contract (P2C), a shared market system in which members place their assets and are given the return as mtTokens. These interest-save tokens are a representation of the deposit of the user as well as a part of the earnings of the pool. As an illustration, a user who deposits $1,000 in ETH will be eligible to get mtTokens that will correspondingly increase with interest earned. The second system is the Peer-to-peer (P2P), a lending system that isolates smaller or more specialized assets into their own markets. P2P market transactions allow borrowers to have a variety of loans, both in variable and fixed borrow rates. The size of the loans will be based on a prescribed Loan-to-Value (LTV) ratio.  In cases where the collateral of an individual loan holder is below the safety levels, liquidations are automatically carried out to safeguard the protocol. This mechanism would keep the system solvent and the liquidators are rewarded to repay bad debt by the system. Detailed Presale Overview The presale of Mutuum Finance has been one the most watched DeFi events of the year. Over 17,750 holders and approximately 790 million tokens sold on the project to date means that the project has already raised over $18.45 million.  The token began with Phase 1 at $0.01 in early 2025 and has since soared to a value of $0.035 in the current Phase 6, which has increased its value by 250%. The participants who entered at Phase 1 would potentially experience more than 500% appreciation at launch. At present, Phase 6 has been sold more than 83%, showing a profitable and steady demand. The momentum with each presale part is that the allocation and price are fixed so the more the investors participate the faster the sellouts will occur and the price of the tokens will go up. Engagement is another area that Mutuum Finance maintains high as it has a 24-hour leaderboard that gives the daily most significant contributor with $500 worth of MUTM tokens. This incentive plan introduces transparency and interest among investors to join in the early days at increased presale propulsion. The team has also made the process of entry to be made easy by enabling the users to purchase MUTM by card without any purchase restrictions to make it available to both large and retail investors. V1 Launch and Audit  V1 launch is one of the Mutuum Finance’s main milestones, which is stated to be live in the Sepolia Testnet in Q4 2025. The base features, Liquidity Pool, mt Token, Debt Token and Liquidator Bot will be launched with ETH and USDT as assets to lend, borrow, and use as collaterals to support assets at launch because these are the most liquid and reliable. Security is one of the key concerns. The project has passed a CertiK audit with a 90/100 Token Scan score, which proves its code reliability and the level of security. This will provide the investors with a greater assurance that the project is constructed to be long lasting. Many say that after the V1 testnet launches and the token is listed on $0.06, the visibility will increase significantly. Some analysts have estimated a 5x to 7x price rise, supported by the buy-and-distribute nature of the token, with MUTM buying on the open market redistributed to the user base who stake on the safety module with mtTokens.  Stablecoin and L-2 Growth In addition to lending, Mutuum Finance plans to have its own USD-pegged stablecoin. This secure coin shall be on demand and supported by collaterals in the protocol. The interest charged on loans will be directed to the treasury to handle the growth of the ecosystem and to offer stability whenever there is a fluctuation in the market. Layer-2 integration is the other major segment of the roadmap. The group seeks to implement Mutuum Finance on various chains to provide the quickest services and reduce costs to customers. This will not only ensure lending is done efficiently, but also ensure access to greater volumes of liquidity networks. These characteristics are very essential in terms of scalability. Stablecoins generate foreseeable utility, whereas Layer-2 implementation ensures lower expenses and more users are attracted, two factors that have led to the growth of other successful DeFi initiatives in the past, such as Aave. Mutuum Finance (MUTM) could be among the top cryptocurrency to invest in below $0.05 this year. With Phase 6 coming to its consummation, and investors scrambling to get allocations before the next price spurt, it is becoming apparent why many analysts have called MUTM one of the best potential ventures in 2025. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinanceIt takes a couple of years between consideration of a new crypto project that draws the attention of the market to the right reason, not hype, but quality design and steady implementation. One of those projects is in 2025 Mutuum Finance (MUTM). Priced at only $0.035, it is already turning out to be one of the potential best crypto to watch now, due to its transparent pre-sale, product roadmap, and its sustainable model of tokens.  Mutuum Finance (MUTM) Mutuum Finance is constructing a decentralized lending and borrowing protocol, intended to make markets on chains safer and more efficient. Rather than having the speculation, it adds financial mechanistic, which would reward users through participation. The protocol consists of two basic markets. The first one is that of Peer-to-Contract (P2C), a shared market system in which members place their assets and are given the return as mtTokens. These interest-save tokens are a representation of the deposit of the user as well as a part of the earnings of the pool. As an illustration, a user who deposits $1,000 in ETH will be eligible to get mtTokens that will correspondingly increase with interest earned. The second system is the Peer-to-peer (P2P), a lending system that isolates smaller or more specialized assets into their own markets. P2P market transactions allow borrowers to have a variety of loans, both in variable and fixed borrow rates. The size of the loans will be based on a prescribed Loan-to-Value (LTV) ratio.  In cases where the collateral of an individual loan holder is below the safety levels, liquidations are automatically carried out to safeguard the protocol. This mechanism would keep the system solvent and the liquidators are rewarded to repay bad debt by the system. Detailed Presale Overview The presale of Mutuum Finance has been one the most watched DeFi events of the year. Over 17,750 holders and approximately 790 million tokens sold on the project to date means that the project has already raised over $18.45 million.  The token began with Phase 1 at $0.01 in early 2025 and has since soared to a value of $0.035 in the current Phase 6, which has increased its value by 250%. The participants who entered at Phase 1 would potentially experience more than 500% appreciation at launch. At present, Phase 6 has been sold more than 83%, showing a profitable and steady demand. The momentum with each presale part is that the allocation and price are fixed so the more the investors participate the faster the sellouts will occur and the price of the tokens will go up. Engagement is another area that Mutuum Finance maintains high as it has a 24-hour leaderboard that gives the daily most significant contributor with $500 worth of MUTM tokens. This incentive plan introduces transparency and interest among investors to join in the early days at increased presale propulsion. The team has also made the process of entry to be made easy by enabling the users to purchase MUTM by card without any purchase restrictions to make it available to both large and retail investors. V1 Launch and Audit  V1 launch is one of the Mutuum Finance’s main milestones, which is stated to be live in the Sepolia Testnet in Q4 2025. The base features, Liquidity Pool, mt Token, Debt Token and Liquidator Bot will be launched with ETH and USDT as assets to lend, borrow, and use as collaterals to support assets at launch because these are the most liquid and reliable. Security is one of the key concerns. The project has passed a CertiK audit with a 90/100 Token Scan score, which proves its code reliability and the level of security. This will provide the investors with a greater assurance that the project is constructed to be long lasting. Many say that after the V1 testnet launches and the token is listed on $0.06, the visibility will increase significantly. Some analysts have estimated a 5x to 7x price rise, supported by the buy-and-distribute nature of the token, with MUTM buying on the open market redistributed to the user base who stake on the safety module with mtTokens.  Stablecoin and L-2 Growth In addition to lending, Mutuum Finance plans to have its own USD-pegged stablecoin. This secure coin shall be on demand and supported by collaterals in the protocol. The interest charged on loans will be directed to the treasury to handle the growth of the ecosystem and to offer stability whenever there is a fluctuation in the market. Layer-2 integration is the other major segment of the roadmap. The group seeks to implement Mutuum Finance on various chains to provide the quickest services and reduce costs to customers. This will not only ensure lending is done efficiently, but also ensure access to greater volumes of liquidity networks. These characteristics are very essential in terms of scalability. Stablecoins generate foreseeable utility, whereas Layer-2 implementation ensures lower expenses and more users are attracted, two factors that have led to the growth of other successful DeFi initiatives in the past, such as Aave. Mutuum Finance (MUTM) could be among the top cryptocurrency to invest in below $0.05 this year. With Phase 6 coming to its consummation, and investors scrambling to get allocations before the next price spurt, it is becoming apparent why many analysts have called MUTM one of the best potential ventures in 2025. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance

                                                                               Macro analyst Luke Gromen’s comments come amid an ongoing debate over whether Bitcoin or Ether is the more attractive long-term option for traditional investors.                     Macro analyst Luke Gromen says the fact that Bitcoin doesn’t natively earn yield isn’t a weakness; it’s what makes it a safer store of value.“If you’re earning a yield, you are taking a risk,” Gromen told Natalie Brunell on the Coin Stories podcast on Wednesday, responding to a question about critics who dismiss Bitcoin (BTC) because they prefer yield-earning assets.“Anyone who says that is showing their Western financial privilege,” he added.Read more