What is the best crypto to invest in for October? Investors look beyond ETH

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For many years, Ethereum (ETH) has been a strong name in the crypto world.

But as the market changes, investors now look for new projects that offer more than just a token.

The focus of crypto investing is moving toward platforms that give real returns and deeper use cases.

Mutuum Finance (MUTM) is one such project gaining attention in October, often cited among the best crypto to buy now.

It will reshape lending, borrowing, and staking with a system built for both stability and steady income.

Presale momentum and early success

Mutuum Finance (MUTM) is now in its Phase 6 presale, priced at $0.035 per token.

The next phase will raise the price to $0.04, marking a +15% jump. So far, around $17.5M has been raised from more than 17,400 holders.

Out of the 170M tokens offered in this phase, 68% are already sold.

Early supporters who joined in Phase 1 at $0.01 have seen their holdings grow by +250%.

A $1,500 investment back then is now worth $5,250. Once MUTM reaches the listing range of $0.06, that same investment will rise to about $9,000.

Analysts following the presale predict the token will reach 20–30x growth once it lists and the ecosystem fully opens in 2025. This positions MUTM as the next big crypto for early-stage investors.

A DeFI Crypto, Mutuum Finance (MUTM) stands out because of its dual lending structure.

In the Peer-to-Contract (P2C) model, users will lend stablecoins like USDT or ETH to smart contract pools and earn variable interest, around 15% APY.

On the other hand, the Peer-to-Peer (P2P) model will let traders lend and borrow directly using tokens like PEPE or DOGE.

This gives them the power to negotiate higher rates and shorter terms, which suits users who enjoy higher-risk, higher-reward strategies.

The mix of both lending modes will make the system flexible and rewarding for a wide range of investors.

Mutuum Finance revealed on its official X account that the V1 version of its protocol is scheduled to launch on the Sepolia Testnet by Q4 2025.

This version will include major features such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure smooth and secure operation.

At the start, users will be able to lend, borrow, and use ETH or USDT as collateral without any hassle.

The testnet release will let users explore and understand how the system works before the main launch.

This early access will help boost trust and attract more interest from the community.

As user participation increases, the demand for the platform and its token is expected to grow strongly.

Stablecoin design and trusted pricing

Mutuum Finance (MUTM) will include its own stablecoin system that keeps its value near $1.

It will use a mint-and-burn method linked to borrowing and repayment activity. When users borrow, new coins will be created, and when they repay, those coins will be burned.

The interest rates will be controlled by governance, changing over time to help keep the $1 peg balanced.

All loans will stay overcollateralized, which means users must deposit more value than they borrow.

This design will keep the system safe while allowing smooth activity across the ecosystem.

Price discovery will also stay accurate and transparent. Mutuum Finance (MUTM) will rely on Chainlink oracles for price data.

Extra backup feeds and on-chain metrics will be added to strengthen the process.

With this setup, users and institutions will trust the platform’s values and prices.

Fair pricing brings more traders, more activity, and more fees — which will all lead to higher demand for the MUTM token.

As the project moves toward the Q4 2025 testnet, the team expects growing attention from exchange partners.

Many tokens gain strong traction right after listing, as new investors join in and daily trading increases.

Projects like DOT and AVAX followed a similar pattern in their early stages. Analysts who correctly called DOGE’s 2021 breakout now expect MUTM to climb 25–30X once listed.

An investor joining now with $2,000 at $0.035 will see around $60,000 in value when MUTM reaches $1.05.

For community building and to appreciate huge investors there is a live 24-hrs leaderboard incentive.

Each day, the user who secures the top position will receive a $500 MUTM bonus, as long as they perform at least one transaction within that 24-hour timeframe.

The leaderboard resets automatically at 00:00 UTC each day.