Retail traders are rushing to find the next breakout in crypto investing, and many have started turning their attention to Mutuum Finance (MUTM) . The token’s presale is heating up as more than $17 million has already flowed in during Phase 6. Traders across social channels are now calling MUTM one of the few penny crypto coins with a clear path to rapid growth. Analysts are already warning that the next price step — a 15% jump from $0.035 to $0.040 — might happen any day as the project edges closer to its next phase. Phase 6 nears completion as buyers rush in The numbers alone show why the hype is building. Mutuum Finance (MUTM) is deep into its Phase 6 presale, with around $16.88 million raised, over 16,800 holders, and 60% of the 170 million tokens already claimed. The total supply stands at 4 billion MUTM, and once Phase 6 ends, the next stage will lift the token’s price to $0.040, a direct 15% increase. There will be eleven total phases, ending with a listing price of $0.06, which means today’s entry gives traders a strong advantage before launch. For the average investor, Mutuum Finance (MUTM) will aim to deliver something powerful: passive income. Users will lend assets like BTC or USDT to liquidity pools and earn variable interest depending on pool activity. The goal is to help regular traders earn while holding, making crypto coins productive rather than idle. A trader example makes the model clear. Imagine a user lending $20,000 in BTC to Mutuum Finance (MUTM)’s liquidity pool. They receive mtBTC 1:1, which earns an average annual yield of around 16%, adding up to $3,200 in passive income over a year. On the borrowing side, someone with $1,500 in SOL can borrow $1,050 USDC against it at 70% LTV, giving them working capital while keeping their SOL position for the next rally. In the Peer-to-Peer (P2P) market, the system handles riskier or high-volatility assets like PEPE and DOGE. Here, lenders and borrowers agree on direct loan terms and interest rates, often above 20% APY. It makes Mutuum Finance (MUTM) appealing to both careful and adventurous traders, offering flexibility across safe and speculative crypto coins. Mutuum Finance (MUTM) isn’t just getting attention for its numbers. Its CertiK audit — completed with Manual Review and Static Analysis — received a Token Score of 90 and a Skynet Score of 79, providing a key trust marker for both retail and institutional investors. The project’s 12K+ Twitter followers are helping to create a strong community presence, with new investors joining daily as word spreads across crypto investing circles. The team behind Mutuum Finance (MUTM) has also confirmed that Version 1 of its lending and borrowing protocol will go live on the Sepolia Testnet in Q4 2025. The first version will include major DeFi building blocks like the liquidity pool, mtToken, Debt Token, and Liquidator Bot. This will give users full access to borrowing and lending features in a simple, automated way. LTV ratios, security, and giveaways To protect everyone, Mutuum Finance (MUTM) uses strict LTV ratios — up to 75% for ETH and between 45–60% for more volatile tokens. The built-in Liquidator Bot monitors the system in real time and automatically handles undercollateralized loans by repurchasing them at a discount. This keeps the entire ecosystem solvent and safe for lenders. Security and transparency are central to the project’s roadmap. Mutuum Finance (MUTM) is running a $50,000 Bug Bounty Program, with rewards based on the severity of discovered issues, ensuring community participation in platform safety. At the same time, an ongoing $100,000 giveaway will see 10 winners receive $10,000 worth of MUTM tokens each, rewarding active participants and growing community interest. To make investing simple and exciting, the project has built an interactive dashboard, where users can track their earnings, holdings, and potential ROI. A Top 50 leaderboard will also reward the biggest contributors with bonus MUTM tokens, adding a gamified edge to the platform. Early investors are already seeing strong paper gains. A Phase 1 buyer who entered at $0.01 now holds +250% in value at today’s $0.035 price. When the token lists at $0.06, that gain will expand to +500%. Analysts project that once Mutuum Finance (MUTM) begins listing on major exchanges like Binance and Coinbase, the value could climb toward $0.50, delivering over 1,300% from current levels. The beta platform is projected to get a lot of use, so this next price bump appears close. Traders are already keeping a close eye on the presale counter as Phase 6 fills up quickly. Every day that goes by gets closer to the $0.040 level, and people who are sitting on the sidelines might miss the last chance to buy at a lower price. For a lot of people, Mutuum Finance (MUTM) is more than just another presale. It’s the kind of early-stage enterprise that can turn a basic crypto investment into a long-term win story before the rest of the market catches on. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post $17M raised, 60% claimed; traders warn this penny token could hit $0.040 soon appeared first on Invezz
