While Shiba Inu (SHIB) has been capturing attention with meme-driven hype, early investors who missed out are now searching for the top crypto to buy with real utility and upside potential. Mutuum Finance (MUTM), priced at just $0.035 in Phase 6 of its presale, is emerging as the go-to new crypto coin for those looking to get in early on a project with tangible DeFi applications.
Mutuum Finance has already raised over $18.8 million from more than 18,000 investors, with more than 90% of Phase 6 tokens sold, demonstrating strong market demand. From a Phase 1 launch at $0.01, the token has surged 250% to $0.035, and the end of the current stage is projected to push it further to $0.04. This growth trajectory highlights why MUTM is now regarded as the top crypto to buy for investors seeking early exposure.
The platform’s dual-lending system, supporting Peer-to-Peer (P2P) and Peer-to-Contract (P2C) markets, allows participants to earn passive income and access flexible borrowing options. This functionality positions MUTM as a highly promising new crypto coin, delivering utility beyond speculative hype while creating real-world DeFi opportunities for investors.
With its presale momentum, robust adoption, and innovative mechanisms, Mutuum Finance is increasingly viewed as the top crypto to buy before Phase 7, where the price is set to rise to $0.04. For early movers seeking the next major new crypto coin to gain traction in 2025, MUTM represents a rare combination of real utility, growth potential, and early-stage opportunity in the DeFi space.
Shiba Inu (SHIB) Stalls While Investors Seek Bigger Opportunities
Shiba Inu (SHIB) remains largely stagnant despite Bitcoin’s rally, trading roughly 88% below its 2021 all-time high. Machine learning forecasts from Coincodex suggest that SHIB is likely to stay trapped in a tight range of $0.00001–$0.000012 for the remainder of 2025, with no major spikes or crashes expected. Historical data reinforces this muted outlook: November tends to see modest gains (0.31%), while December could slip nearly 9.8%, indicating a sideways trend for the foreseeable future. For investors looking to diversify beyond stagnant meme coins, Mutuum Finance (MUTM) presents a compelling alternative.
Mutuum Finance Presale Garners Widespread Investor Attention
Mutuum Finance (MUTM) continues to capture significant interest in 2025, standing out as a leading DeFi crypto amid a competitive crypto landscape. The presale has attracted 18,050 unique investors and successfully raised over $18.8 million, demonstrating robust community confidence. Currently, Phase 6 is underway, with MUTM tokens priced at $0.035, providing a final opportunity for early investors before Phase 7, where the token price will increase 20% to $0.04.
What sets Mutuum Finance apart from other altcoins is its strong emphasis on adoption and usability. Backed by a steadily growing user base, a well-structured roadmap, and a dedicated development team, MUTM is positioned to become a prominent player in the DeFi crypto ecosystem. The combination of market traction, community engagement, and technical readiness reinforces MUTM as the best cheap crypto to buy now for investors seeking early-stage exposure heading into 2026.
Managing Volatility and Exposure
Market volatility directly impacts collateral health. Mutuum sets Loan-to-Value ratios and liquidation thresholds according to each asset’s stability. Lower-volatility tokens can support higher borrowing limits and thresholds, while more volatile assets are assigned stricter parameters. Reserve factors, ranging from around 10% for stable assets to as high as 35% for riskier ones, help maintain a buffer against defaults while allowing diverse participation. Mutuum sets borrowing rates based on utilization to maintain healthy liquidity. When capital is plentiful, rates are kept low to encourage borrowing and optimize capital deployment. In times of scarcity, rates increase to incentivize repayments and attract deposits. Borrowers seeking certainty can opt for stable rates, which are higher than variable rates to offset risk and may be adjusted if market conditions shift significantly. Only assets with sufficient liquidity are eligible for stable borrowing.
Mutuum Finance’s Phase 6 presale has raised over $18.8 million from 18,050 investors, with more than 90% of tokens already sold at $0.035. Phase 7 will increase the price to $0.04, giving late entrants a limited window to join. With its dual-lending DeFi crypto model, dynamic LTV management, and robust risk controls, MUTM offers both early-stage growth potential and strong security for participants. Investors seeking the best cheap crypto to buy now should act quickly to secure a stake in what could be a breakout DeFi token in 2025–2026.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
