Ця нова криптовалюта ймовірно зросте у 100 разів у 2026 році, протокол V1 запуститься у четвертому кварталі 2025 року

As 2026 approaches, the race to find the next top crypto with real substance has intensified. Among the new projects gaining serious attention, Mutuum Finance (MUTM) is rising fast as a contender for massive growth. Its strength lies not in hype, but in structure. The project will merge dual lending systems, stablecoin mechanics, and a built-in buy-and-distribute cycle into one unified DeFi ecosystem.

Mutuum Finance (MUTM) is preparing for the launch of its V1 protocol on the Sepolia Testnet in Q4 2025. This event will demonstrate the core of its ecosystem in action, showing how lending, borrowing, and reward mechanisms work together before the token goes live on exchanges. With a full product-plus-token rollout planned, investor confidence is building around a system designed to support sustainable value rather than short-lived speculation.

Foundation of Real Utility and Predictable Growth

The presale is already deep into Phase 6, priced at $0.035. Around 87% of this phase’s 170 million token allocation is already taken, and more than 17,800 holders have joined the growing investor base combining all phases. Over $18.5 million has been raised so far, and the next phase will increase the price to $0.04, locking in an instant 15% uplift for existing buyers. With some market analysts expecting the token to reach around $0.35 after launch, early investors will stand to secure a 10× gain before the full DeFi platform even goes live.

Mutuum Finance (MUTM) is introducing a hybrid architecture that blends Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models. Through the P2C mechanism, lenders will deposit stablecoins or blue-chip assets like ETH or BTC into audited smart contracts. Borrowers will then draw liquidity from these pools, while interest rates automatically adjust based on pool usage. The P2P system, meanwhile, will give users direct control over rates and terms for less-liquid assets. This model will create a balance between institutional-grade liquidity and community-driven flexibility.

The upcoming V1 of the protocol to launch on Sepolia Testnet in Q4 2025 will feature liquidity pools, mtTokens, debt-tracking tokens, and the Liquidator Bot in operation. Supported assets at this stage will include ETH and USDT for both lending/borrowing and as collateral. This public testnet phase will be the first live demonstration of how Mutuum’s system will function before its mainnet rollout and exchange listing.

The ecosystem’s stablecoin will be a key driver of recurring activity. It will be minted only when users borrow against approved collateral such as ETH, SOL, or AVAX. When loans are repaid or liquidated, the stablecoin supply will decrease automatically, helping it maintain its $1 peg. This dynamic will generate consistent demand for MUTM, the utility and governance token that powers borrowing, rewards, and staking functions across the system.

Mutuum Finance (MUTM) will also feature a built-in buyback and redistribution model. A portion of platform revenue will be used to repurchase MUTM from the open market, and the tokens will then be distributed to mtToken stakers. This mechanism will create continuous buying pressure while rewarding long-term participants.

Safety and Stable Interest Rate Model

A key feature attracting attention from serious crypto investment circles is the upcoming Stable Interest Rate Model. Borrowers will have the ability to lock in predictable rates rather than facing constant fluctuations. The initial stable rate will be calculated through a weighted average of variable market conditions, giving lenders and borrowers a fair balance between safety and performance. If current supply rates fall below 90% of the variable equivalent, the system will automatically rebalance to maintain equity. This flexibility ensures that liquidity providers stay protected while borrowers gain consistent repayment expectations.

Security and stability will also define Mutuum’s collateral and liquidation framework. All loans on the platform will require over-collateralization, ensuring system safety even during market turbulence. A Stability Factor will continuously monitor collateral health, and when values fall below safe levels, the automated Liquidator Bot will activate. It will repurchase the debt at a discount, stabilizing liquidity pools and preventing chain liquidations. This mechanism, similar to models used by major protocols like Aave, will give Mutuum Finance (MUTM) strong protection and reliability across multiple blockchains.

Security and Community Growth

Security remains a top priority. Mutuum Finance (MUTM) has undergone a comprehensive audit by CertiK, scoring 90 on TokenScan and 79 on Skynet. To further ensure safety and transparency, the platform will maintain a $50,000 bug bounty program rewarding ethical hackers up to $2,000 for critical findings

A separate $100,000 community giveaway will also reward participants with MUTM tokens, reinforcing long-term engagement and trust. The project’s social ecosystem continues to expand, with over 12,000 followers on Twitter and a dynamic leaderboard that tracks investor activity. A daily $500 MUTM bonus will go to the top user who makes at least one transaction, resetting each day at 00:00 UTC to maintain constant participation and momentum.

Final Words

By the time the V1 protocol goes live, the combination of strong tokenomics, multi-asset lending infrastructure, and a stable DeFi framework will push Mutuum Finance (MUTM) toward sustained growth. With its current presale pricing at $0.035 and next phase at $0.04, the entry window is closing quickly.

Mutuum Finance (MUTM) is emerging as one of the most balanced and forward-focused projects in the market. Its roadmap, security, and reward model are aligned for real-world application, not speculation. For investors seeking a solid crypto investment ahead of 2026, this is the project that aligns utility, stability, and profit. The 100× path is already visible—and those who enter before Phase 6 closes will be first in line when Mutuum’s V1 protocol defines the next wave of top crypto success.

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