An altcoin raised $16M, being named next big crypto for this bull run, experts give 3 reasons

The crypto market is heating up once again, with investors scanning crypto prices today and asking why crypto is going up across the board.

Amid this backdrop, one project has already emerged as a strong contender for the bull run spotlight: Mutuum Finance (MUTM).

Currently in presale Phase 6, the project has already raised around $16 million, drawing attention for its mix of practical utility, innovative design, and growing community strength.

Experts are calling it the next big crypto, and three key reasons stand out.

Utility through P2C lending

At its core, Mutuum Finance (MUTM) will provide a robust Peer-to-Contract (P2C) lending model.

This system will allow users to pool assets such as USDT, USDC, DAI, and USDD, alongside major blue-chip tokens including ETH, BTC, SOL, ADA, XRP, and LINK.

Borrowers will be able to unlock liquidity by providing overcollateralized deposits, while lenders earn returns on their idle assets.

The design ensures rates adjust dynamically depending on pool utilization, protecting solvency while keeping the system efficient.

For example, a user lending $15,000 in USDT will receive mtUSDT in return, tokens representing their pool share plus growing interest.

If the pool averages a 15% APY, that user will generate $2,250 annually, all while retaining the option to later withdraw the initial capital and earnings.

On the other side, borrowers who hold long-term assets but need short-term liquidity will benefit from this structure.

A depositor who places $1,000 in ETH as collateral will be able to borrow up to $750 without selling their holdings.

This dual advantage makes P2C a compelling reason why Mutuum Finance (MUTM) is drawing investor enthusiasm while crypto prices continue trending upwards.

Expansion with P2P opportunities

Beyond its P2C foundation, Mutuum Finance (MUTM) will expand into Peer-to-Peer (P2P) lending.

This feature will cover tokens outside of the traditional blue-chip and stablecoin categories, specifically those with higher volatility or lower liquidity.

Popular meme coins such as Dogecoin (DOGE), Shiba Inu (SHIB), FLOKI, TRUMP, and Pepe (PEPE) will have a dedicated lending environment.

The mechanics here are distinct: instead of pooling, lenders and borrowers will negotiate directly on rates, loan durations, and terms.

This flexibility will allow lenders to capture higher returns for taking on greater risk, while borrowers gain more tailored agreements.

Importantly, P2P operations will remain separate from the main liquidity pools, ensuring the safety of the broader protocol.

By broadening participation to cover both mainstream and speculative assets, Mutuum Finance (MUTM) is setting itself apart from many platforms that remain limited in scope.

Experts recognize this hybrid lending structure as a second core reason the project has gained traction while investors track crypto prices and wonder why crypto is going up in this cycle.

Risk management and investor confidence

A third reason some think Mutuum Finance (MUTM) will be one of the next big cryptos is how it handles risk.

Every loan on the platform will need more collateral than the amount borrowed, and a Stability Factor will always check the security of the collateral against the borrowing restrictions.

Liquidation levels will help keep solvency. ETH and stablecoins, which have lower volatility, will keep Loan-to-Value ratios of up to 75%, with liquidation set at 80%.

For tokens with more volatility, the ratios will be limited to between 35% and 44%, with liquidation happening around 65%.

This equilibrium gives liquidators adequate room to make money while keeping the system safe from cascading danger.

On-chain incentives will also help keep liquidity high, making sure that troubled positions are addressed quickly without big price drops.

Mutuum Finance (MUTM) is making itself one of the safest and most efficient projects to monitor during the bull run with these steps.

A huge $16M presale raised already

The project has recently crossed $16M level in its presale phase, which is rare in crypto presale dynamics. Additionally, the presale momentum is at the center of all this expansion.

Phase 6 has already sold more than 44% of its 170 million token allotment for $0.035, which has attracted more than 16,450 holders. This is because there are only 4 billion MUTM in total.

The price for the following phase is $0.040, which is a 15% increase. It’s evident to early investors that their investments are going up.

For example, someone who bought in Phase 1 at $0.01 with 500,000 tokens has already seen their stake climb to $17,500 in Phase 6, and they can see a clear route to $30,000 at the $0.06 listing price.

On top of that, security and trust are already well-known. The Token Scan score for Mutuum Finance (MUTM) is 90, and the Skynet score is 79.

The project also has a $50,000 bug bounty program to encourage people to disclose security issues. Right now, it is giving away $100,000 worth of MUTM tokens to 10 winners, each of whom will get $10,000 worth of tokens.

The community is already robust and growing, with more than 12,000 Twitter followers.

Experts think that this project will get a lot more attention as the beta launch date gets closer and top-tier exchanges like Binance, KuCoin, Coinbase, MEXC, and Kraken are expected to list it.

This is the last chance to get MUTM for $0.035 before the price goes up. Mutuum Finance (MUTM) is being seen as one of the best reasons why crypto is going up in the current bull run.

They have already raised $16 million, and these three reasons give people confidence.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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