Analysts call MUTM best crypto to buy with better utility and ROI than DOGE

As crypto charts continue to show volatility and discussions emerge on why crypto is down, analysts are spotlighting Mutuum Finance (MUTM) as a top-performing cryptocurrency with utility and ROI potential far exceeding meme coins like DOGE.

Investors seeking sustainable crypto investment are increasingly eyeing MUTM, driven by its strong presale momentum and advanced DeFi features.

Phase 6 of the presale is nearly 50% sold, and the price is projected to rise to $0.040 in the coming days, making it the final opportunity for investors to acquire tokens at discounted rates and participate in the anticipated growth.

Dual lending models and stablecoin

Mutuum Finance (MUTM) will operate through two distinct lending frameworks designed to maximize both liquidity and safety.

The Peer-to-Contract (P2C) model allows lenders to pool stablecoins and major cryptocurrencies, while borrowers provide overcollateralized assets.

Depositors will receive mtTokens representing their share of the pool, earning interest that can be reinvested or used as collateral for further loans.

In parallel, the Peer-to-Peer (P2P) model will focus on riskier tokens, isolating these assets to prevent liquidity issues in the main P2C pools.

Lenders and borrowers in P2P will negotiate rates and durations directly, providing higher yield opportunities while maintaining overall market stability.

A key innovation within Mutuum Finance (MUTM) is its decentralized stablecoin.

The stablecoin will always aim to maintain a $1 peg and will only be minted when users borrow against approved collateral, such as ETH or BTC.

Tokens will be burned automatically upon repayment or liquidation of the associated loans.

Borrow interest rates will be actively managed by Mutuum governance to preserve the peg: rates will decrease when the stablecoin trades above $1 and increase when it falls below $1.

Arbitrage mechanisms will further stabilize pricing, allowing users to buy or sell the stablecoin for profit, which naturally pushes the price back toward $1.

All loans will remain overcollateralized, with automatic liquidations ensuring the system’s integrity even during periods of high volatility.

Price discovery for Mutuum Finance (MUTM) will rely on a robust oracle infrastructure.

Chainlink feeds will provide reliable USD and native asset prices, supplemented by fallback oracles in case of latency or downtime.

Aggregated feeds combining multiple data sources will reduce dependency on any single provider, and decentralized exchange metrics like time-weighted average prices (TWAP) will serve as an additional reference point, ensuring accurate valuations and safe liquidation thresholds.

Presale progress, investment potential, and roadmap

Mutuum Finance (MUTM) has a total supply of 4 billion tokens.

Phase 6 of the presale has raised approximately $16.3 million and is now nearly half sold, with more than 16,600 holders participating.

For context, investors who purchased during Phase 3 at $0.02 will see the current Phase 6 price of $0.035, achieving a 1.75x value gain. Expected listing targets are set at $0.06, offering a projected 3x ROI on paper.

The roadmap for Mutuum Finance (MUTM) outlines a structured approach to long-term growth.

Phase 1 included presale initiation, marketing campaigns, $100K giveaway, external audit, listings on tracking platforms, and an AI-powered helpdesk, with educational content and compliance team formation pending.

Phase 2 will focus on developing core smart contracts, DApp front-end and back-end, advanced features, analytics tools, and internal/external code reviews.

Phase 3 will finalize the platform through bug reporting systems, beta testing, demo launch, exchange preparation, regulatory alignment, and presale conclusion.

Phase 4 will deliver the live platform, token listings, MUTM claim activation, bug bounty program, multi-chain expansion, institutional partnerships, and platform enhancements.

Security, community, and incentives

Mutuum Finance (MUTM) is strengthened by a CertiK audit that included both manual review and static analysis, earning high scores of Token Scan 90 and Skynet 79.

The $50,000 USDT bug bounty program will reward users for discovering vulnerabilities, with tiers set at Critical up to $2,000, Major $1,000, Medium $500, and Low $200.

Additionally, a giveaway will reward ten winners with $10,000 in MUTM tokens each. With a growing community of over 12,000 Twitter followers, these security and incentive measures reinforce investor confidence and engagement.

As traders move money away from assets like DOGE that aren’t very useful, Mutuum Finance (MUTM) stands out as a cryptocurrency with a lot of value and a high return on investment.

MUTM is the greatest choice for serious crypto investors because of its two loan methods, stablecoin innovation, strong oracle infrastructure, and well-planned roadmap.

Phase 6 is almost sold out, and the price will shortly go up to $0.040. This is investors’ last chance to buy tokens at a lower price and take advantage of the platform’s long-term growth and stability.

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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