Crypto is confronting a new challenge as the US Treasury moves to expand the reach of the PATRIOT Act. Regulators are preparing rules that extend Section 311, a tool once reserved for banks, into crypto activities. The focus is on mixers, decentralized finance (DeFi), and wallet services.
The Financial Crimes Enforcement Network (FinCEN) is working on classifying crypto mixers as a primary money laundering concern. If enforced, this decision will cut them off from the US financial system.
This change is shaking the sector at the very moment investors are asking what crypto to invest in. Amid this uncertainty, Mutuum Finance (MUTM) is gaining traction as an altcoin with real use cases.
US Revives Crackdown On DeFi And Privacy
Washington is strengthening its grip on privacy tools in digital assets. The Treasury’s new push resembles its 2022 mixer sanctions but is broader in scope. Section 311 allows regulators to blacklist not just specific mixers but whole categories of transactions. That means DeFi protocols and wallet providers could soon be caught in the same net.
Lawmakers are moving in step with the Treasury. The Special Measures to Combat Money Laundering Act has been reintroduced in Congress. This bill gives statutory backing to the use of Section 311 on crypto. If approved, DeFi and wallet services will face stronger restrictions. Consequently, exchanges and custodians must bear higher compliance costs.
Industry reactions are already intensifying. Advocates argue that treating code as criminal infrastructure risks suppressing innovation. Civil liberty groups warn that such steps could undermine constitutional protections.
Regardless, regulators insist the measures are vital to counter hacking groups and foreign adversaries who are using crypto mixers. Thus, the market is entering a period where stricter oversight and reduced privacy are shaping the path forward.
Mutuum Finance Presale Momentum
Amid this environment, Mutuum Finance (MUTM) is progressing through its presale. Phase 6 of 11 is currently underway at $0.035, up 250% from the opening phase price of $0.01. Since launch, $15,800,000 has been raised, with 16,300 holders already on board.
Tokens are selling quickly, and the next round will increase the price by 14.3% to $0.04. At launch, the token is expected to debut at $0.06, securing between 300% and 500% returns for current buyers.
Phase 6 is moving fast, and the window to secure tokens at this level is closing. The project has already completed its Certik audit with a 90.00 security score. No vulnerabilities were found, and no incidents have occurred in the last 90 days.
To strengthen security further, Mutuum has partnered with Certik on a $50,000 bug bounty program. Rewards cover all levels of vulnerabilities, ensuring ongoing protection of the protocol.
Lending Model And Safeguards
Mutuum Finance (MUTM) is building a dual lending platform to serve both stable and speculative assets. In its Peer-to-Contract system, stablecoin deposits flow into contract pools that allocate funds automatically.
Rates adjust based on utilization, encouraging healthy liquidity. In parallel, its Peer-to-Peer system enables users to lend tokens directly. This design provides flexibility while keeping markets efficient.
Borrowers are required to overcollateralize loans to protect against volatility. If collateral drops below a threshold, liquidations occur through incentives offered to liquidators. In addition, deposit and borrow caps limit exposure to risky tokens. These parameters protect liquidity and shield against manipulation.
Chainlink oracles are planned for price feeds, ensuring timely and accurate data. This infrastructure is preparing the platform for long-term stability and adaptability.
Incentives And Community Growth
Mutuum Finance (MUTM) is also focusing on community engagement. The team has introduced a leaderboard to reward the top 50 token holders with bonus tokens.
A $100,000 MUTM giveaway is running as well, with ten winners set to receive $10,000 each. Eligibility requires a minimum presale purchase of $50 and completing simple steps. This approach is drawing more investors into the project while promoting loyalty.
Why Mutuum Finance Is Standing Out
Crypto prices today are reacting to the Treasury’s crackdown. The crypto fear and greed index shows increased caution, and many are asking why crypto is down today. In this setting, investors are seeking tokens with clear utility and robust frameworks. Mutuum Finance (MUTM) is offering strong fundamentals and innovative lending models while maintaining safeguards.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
