Next big crypto of 2025? Experts predict 800% gains in new DeFi token

A new wave of crypto attention is forming, and this time, it is not around a meme coin. Analysts tracking recent whale movements believe Mutuum Finance (MUTM) is shaping up to be one of the most promising DeFi launches of 2025.

With strong utility and working testnet in line, experts expect the $0.035 presale token to be the next big name as crypto prices rebound.

Presale numbers that are stronger than any memecoin

Mutuum Finance (MUTM) is still in Phase 6 of its presale and continues to attract investors shifting from speculative assets toward real-yield DeFi models.

Current presale data shows rapid growth. The token price stands at $0.035, with about $17.25 million raised combining all phases. Overall 17,000 holders have joined, while 65% of the 170 million tokens in this phase are already sold. The next phase will lift the price to $0.040, a 15% jump that analysts expect to happen soon as the presale accelerates.

An early investor who swapped SOL for MUTM during Phase 1 bought 1,000,000 tokens at $0.01 for $10,000. That position is now valued around $35,000, a 3.5× value gain. At the expected listing price of $0.06, that value reaches $60,000, a 6× rise.

Analysts see an 800% upside scenario from the current $0.035 level to $0.315, meaning that the same Phase 1 investor’s tokens would reach $315,000 — a 31.5× increase. But what actually raises the price up? We will discuss them in detail below.

Why analysts believe MUTM can surpass DOGE

The reason for this prediction lies in how Mutuum Finance (MUTM) works. While DOGE grew from community culture and hype, its price movements depend heavily on social trends.

MUTM’s design focuses on real financial activity — lending, borrowing, and staking. This difference ties token demand directly to platform usage rather than to social momentum.

MUTM will introduce two lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). Both are designed to create ongoing demand for the token.

In the P2C model, lenders deposit assets into smart contracts and receive mtTokens that represent their pool share. For example, a user lending $12,000 worth of USDC earns mtUSDC, which accrues about 14% annual yield, adding around $1,680 yearly.

On the borrower side, someone posting $1,500 in AVAX as collateral will be able to borrow up to $1,125 — about 75% of their deposit value.

This setup will create steady demand for borrowing and lending while producing protocol revenue that can support long-term growth.

Meanwhile, the P2P side allows users to lend tokens like PEPE or TRUMP directly to others, negotiating interest rates and durations for higher returns. By separating riskier tokens from the main liquidity pools, Mutuum will keep its system stable and efficient.

How the buy-and-distribute engine builds real value

Mutuum Finance (MUTM) is built around a “buy-and-distribute” mechanism that rewards active participation.

Revenue from interest and liquidations will go to the protocol treasury. From there, the system will buy back MUTM tokens from the open market and send them as rewards to mtToken stakers.

This direct link between user activity and token demand will create a continuous cycle of value flow. The more users borrow, lend, or repay, the more revenue the protocol generates, and the stronger the buyback pressure becomes.

This model aligns user rewards with platform success and transforms regular lending activity into constant market demand.

The project’s development timeline adds another layer of confidence. A beta version will expectedly launch when the token goes live, allowing early partners to test lending, interest accrual, and liquidation systems. This early validation will reduce technical risks before the public rollout.

Mutuum’s risk framework will also help maintain a balanced ecosystem. Loan-to-value ratios will range from 35% to 75% depending on the asset, and liquidation thresholds from 65% to 80% will secure collateralized positions.

Reserve factors between 10% and 55% will ensure liquidity during volatile market phases. So in that way Mutuum is perfectly secure for all the involved parties which will appreciate users to participate without any hesitation.

To bring the features into practical use, the team has announced the launch of the V1 of the protocol on Sepolia Testnet is expected to go live in Q4 2025, showing ETH and USDT lending pairs along with debt tokens and liquidation bots.

This step will demonstrate the system’s efficiency and help attract institutional liquidity when the full version launches.

Final outlook

Experts tracking large transactions are clear about one thing — big investors are shifting from hype-driven coins to utility-driven protocols. The move from DOGE toward Mutuum Finance (MUTM) reflects a new preference for on-chain yield and transparent mechanics that tie token value to real activity.

An 800% upside projection for Mutuum Finance (MUTM) is grounded in numbers and growing adoption.

With 65% of Phase 6 already sold and the next phase at $0.040 set to open soon, this is one of the last opportunities to secure tokens at a lower entry point.

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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