Best crypto now: ADA, DOGE weak, small alt shows 2021 BTC growth

ADA and DOGE will keep showing flattening performance on crypto charts. Their momentum is slowing down since the upside has already been priced in. This makes traders worry if crypto is a smart investment when the big players seem to run out of ideas.

People are now looking for presale initiatives that have both actual use and an opportunity to get in early. Mutuum Finance (MUTM) is becoming one of the best answers.

Mutuum Finance (MUTM)

The presale is presently in Phase 6, and the price is $0.035. So far, it has generated over $15.6 million and has more than 16,200 holders. 36% of the 170 million tokens set up for this round have already been sold. The price of the token will go up 15% to $0.040 once Phase 7 starts.

This means that this is the last chance to get MUTM at a lower price. Mutuum Finance (MUTM) is different from stagnant assets since it is based on lending and borrowing markets that will give depositors a genuine yield.

Its Peer-to-Contract architecture will manage blue-chip collateral in a way that makes sure the returns are predictable and can be scaled up. For instance, if you deposit $18,000 worth of AVAX with a loan-to-value ratio of 68%, you may borrow $12,240 worth of stablecoins.

The depositor will earn $1,620 over the course of a year at a utilization-driven rate of 9% APY. This method explains how lending pools will make money and automatically change as usage goes up, keeping returns stable in a way that will last.

The Peer-to-Peer layer will do something else. Here, lenders and borrowers will talk directly about high-risk tokens like PEPE, TRUMP, DOGE, and SHIB without putting them all together.

They will agree on things like rates and lengths of time, and they can also do partial fills. The protocol will keep P2P separate from pooled collateral to maintain solvency because it has its own unique risks. Mutuum Finance (MUTM) is different because it has two tracks.

One track gives you a steady dividend, while the other track gives you the possibility for asymmetric gains, like the big movements that happened during the 2021 bull run.

Presale credibility and risk management features

Mutuum Finance (MUTM) will put tight rules in place to deal with volatility. We will aggressively manage on-chain liquidity so that distressed trades may close without losing money. When liquidity is low, liquidation incentives will be changed to encourage coverage at all times.

Loan-to-value ratios will be set conservatively: stablecoins and ETH will be permitted to go up to 75% with liquidation levels approaching 80%. More volatile tokens will be limited to about 35–40% LTV with 65% liquidation thresholds.

Reserve factors will range from 10% for safer assets to 36% for collateral that is very risky. This architecture will keep things stable even when they seem like a crypto meltdown today.

The protocol will also include Enhanced Collateral Efficiency. When collateral and borrowed assets are closely tied, like stablecoin pairings, this function will let you borrow more money.

The platform will make more money by charging higher fees without taking on too much risk by making these scenarios more efficient. Borrow limitations, deposit caps, and limited collateralization options will stop flash-loan style attacks or rapid system-wide de-risking, giving investors more safety.

Security has also been put at the top of the list. There has already been a CertiK audit that included a human assessment and static analysis.

Mutuum Finance (MUTM) has a Token Scan score of 95 and a Skynet score of 78. The audit activity will last from February to May 2025. There are more than 12,000 people following the community on Twitter. To get people involved, the team has announced a $100,000 giveaway.

Ten winners will each get $10,000 in MUTM, and there will also be a $50,000 bug bounty with incentives ranging from $200 to $2,000 depending on how bad the problem is.

People who invested in Phase 1 have already seen their shares grow on paper. For $9,000, you may buy 900,000 tokens. The position is worth $31,500 at the current presale price of $0.035. It will achieve $54,000 at the estimated listing price of $0.06. These stats show how important it is to get involved early.

Final words

The beta platform will go live when the tokens are listed. Users will be able to quickly try out borrowing, staking, minting stablecoins, and the buyback scheme, which will use platform earnings to repurchase tokens. From the start, this will put serious pressure on demand.

More people will be able to afford to participate since Layer-2 integration lowers transaction costs and increases throughput. Listings on big exchanges like Binance, KuCoin, Kraken, Coinbase, and MEXC will make the platform more visible and accessible, let people compare it to others, and encourage more people to use it.

For anyone considering investing in ADA and DOGE but unsure about next steps, Mutuum Finance (MUTM) is the best crypto to invest in right now, as it offers a combination of presale growth, audited credibility, and structural innovation.

The discounted opportunity is closing quickly because Phase 6 is now 36% sold, and the following phase will boost the price. Retail investors who act now will get in before the market realizes how big this DeFi play is.

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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