Mutuum Finance (MUTM) Presale Sees 35% Sold in Phase 5, $100,000 Giveaway

June 2025 has been a dynamic month in the crypto world, marked by new highs and increased institutional adoption. A major bank is now planning to offer loans backed by crypto, signaling a growing acceptance of digital assets in traditional financial systems. As the crypto market continues to evolve, several projects stand out for their real-world utility and potential for growth.

Among the top picks, Mutuum Finance (MUTM) is notable for its potential to offer significant returns. According to analysts, MUTM could see a price explosion of 2,455%. This decentralized and non-custodial DeFi ecosystem aims to redefine the financial sector by allowing users to participate as lenders, borrowers, or liquidators. Lenders can deposit their assets to receive passive income as annual percentage yields, while borrowers can use overcollateralized collateral to secure loans. The percentage yield that lenders can earn from a pool is based on the pool utilization rate.

Mutuum Finance (MUTM) has implemented several protocol safeguards to protect users and ensure profitability. One key safeguard is the Loan-to-Value (LTV) ratio, which caps the amount users can borrow relative to the value of their collateral. For example, if ADA has an LTV of 75%, a user pledging 1 ADA of collateral can borrow up to 0.75 ADA worth of a given asset. The effective LTV ratio fluctuates with the asset price. Another safeguard is the liquidation trigger, which establishes a threshold for undercollateralized debt positions. If the borrowed amount surpasses this threshold, the position is considered unsafe and is liquidated by liquidators, who acquire the collateral at a discount. This helps maintain the overall health of the ecosystem. Once a position is liquidated, the borrower is charged a liquidation penalty, with a portion going to the treasury and the rest to the liquidators. An allocation factor determines the distribution, balancing fast liquidations with long-term solvency. Additionally, a reserve factor collects a fraction of the borrower’s interest to offset potential defaults due to extreme market events. Tokens with higher stability have a smaller reserve factor, while more unstable assets have a larger reserve factor.

Cardano (ADA) is another notable project, known for its proof-of-stake blockchain designed for fast speeds and low transaction costs. Unlike other blockchain platforms, Cardano uses a peer-reviewed approach to development, which has both advantages and disadvantages. While this approach ensures robustness, it has also led to slower release of upgrades and a more complex system that is difficult for many to understand. As a result, Cardano (ADA) is expected to grow in comparison to the rest of the crypto market, but its utility is somewhat limited by its development pace.

Stellar (XLM) is a project launched in 2014 to facilitate fast cross-border payments. It serves as a bridge currency between fiat and crypto, enabling quick transactions in different currencies. However, Stellar's use case is primarily limited to cross-border payments, and it has struggled to compete with the legacy financial system. This constraint has kept it as a fringe service, with limited potential for massive growth powered by utility. For those seeking significant growth driven by real-world utility, Mutuum Finance (MUTM) may be a more promising option.

The Mutuum Finance (MUTM) project is currently in phase 5 of its presale, with tokens available for $0.03. Over $10.55 million has been raised so far from around 12,000 unique buyers. The current phase has seen high participation, with over 35% of the tokens reserved for the phase already sold. One of the catalysts for this phase is an ongoing giveaway, where Mutuum Finance plans to give away $100,000 worth of MUTM tokens to ten lucky winners. To participate, buyers need to invest a minimum of $50 in the presale. With the potential for MUTM tokens to explode in price and the massive giveaway, this opportunity could be one of the biggest in the crypto world in 2025 and beyond.