By The post Top Crypto to Buy This Week? Here’s How to Double Your Investment Before Year End appeared first on Coinpedia Fintech News
Short-term investors are scanning the market for projects that can deliver fast, reliable returns before the year ends. The crypto market is crowded, but very few projects combine real-world function with clear profit potential. One project is standing out to analysts and retail investors alike — Mutuum Finance (MUTM). With its working lending ecosystem, upcoming platform rollout, and near-complete presale, this new entrant is expected to become one of the top gainers in the final quarter of the year.
Presale Momentum and Short-Term Opportunity
Mutuum Finance (MUTM) is in Phase 6 of its presale, where each MUTM token costs $0.035. Around 74% of this phase is already sold, and the next price jump will lift the token to $0.04 — a 15% increase. Across all phases, the project has raised about $17.8 million, with over 17,400 holders joining the growing community. The total supply will stay fixed at 4 billion MUTM, making it one of the most closely watched assets among early-stage projects.
An investor who entered during Phase 4 at $0.025 is already sitting on a 40% gain. With the exchange listing price set at $0.06, that position will reach 140% appreciation before the year closes. For traders following crypto charts, this growth curve stands out compared to other new listings. The combination of working utilities, platform-driven revenue, and staking rewards makes MUTM one of the cheapest cryptocurrency opportunities with a realistic chance to double investments before the year ends.
Why Mutuum Finance (MUTM) Is Outperforming
The strength of Mutuum Finance (MUTM) lies in its practical design. It will operate as a lending and borrowing protocol that rewards participants through a dual revenue cycle — daily lending interest and buy-and-distribute staking rewards. This model will create a continuous flow of on-chain activity, linking real usage to token demand.
The Peer-to-Contract (P2C) lending model will handle stable assets such as DAI and USDT. A lender who deposits $8,000 DAI will receive mtDAI 1:1 and will earn an average annual return of around 13%, equal to $1,040 in one year. Borrowers will post collateral like ETH or ADA and borrow against it based on loan-to-value ratios. The protocol will automatically adjust interest rates according to liquidity utilization, creating a self-balancing system that rewards active participation.
Meanwhile, the Peer-to-Peer (P2P) system will cater to higher-risk tokens such as DOGE or PEPE. Here, borrowers and lenders will negotiate terms directly, allowing higher yields in exchange for increased risk. This setup will keep volatile assets isolated from the main liquidity pools, ensuring the protocol’s safety and stability. Every lending and borrowing transaction will generate platform fees, part of which will feed the buy-and-distribute reward cycle for mtToken stakers ultimately increasing MUTMs demand.
Mutuum Finance (MUTM) will use its platform revenue to buy MUTM tokens from the open market and redistribute them to users who stake their mtTokens. This will create a logical and repeatable demand cycle — more platform activity leads to higher revenue, which drives more token buybacks and staking rewards. The result will be consistent engagement and steady demand growth across the ecosystem.
V1 Launch on Spolia Testnet
Mutuum Finance (MUTM) announced on its official X account that the V1 version of its protocol will go live on the Sepolia Testnet by Q4 2025. This release will bring core features such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure smooth and secure system operations. At launch, users will be able to lend, borrow, and use ETH or USDT as collateral.
This testnet phase gives users an early chance to experience the platform before the official rollout. Allowing them to test key features helps build trust and excitement, which can attract more investors and drive the token’s value higher.
Incentives for Community Growth and LTV Ratios
A daily leaderboard reward has been launched, giving users a $500 MUTM bonus for claiming the top spot within a 24-hour cycle. To qualify, the winner must complete at least one transaction during that period. The leaderboard resets automatically every day at 00:00 UTC, ensuring a fresh start for all participants. This initiative will boost on-chain activity and prepare the community for the mainnet rollout and exchange listing that will happen shortly after.
Behind its fast growth, Mutuum Finance (MUTM) maintains strong risk control measures. Stable assets like ETH and major stablecoins will have loan-to-value ratios of up to 75%, while more volatile tokens will stay around 45%. The platform will rely on deep on-chain liquidity pools to ensure smooth operations even during high volatility. This balance between yield and security will attract both retail users and professional lenders seeking sustainable participation in decentralized finance.
The near-term price path is also clear. As Phase 6 wraps up, the token price will rise to $0.04, followed by a listing price of $0.06 — a total jump of 70% from today’s level. Combined with staking rewards and buyback pressure, this structure will allow investors to see near-term gains that align with the project’s real economic activity. With the platform’s testnet going live and full utility launching soon, these catalysts are timed perfectly for strong market momentum before year-end.
Act Before the Price Moves
Investors are interested in Mutuum Finance (MUTM) for the right reasons, such as a working system, many ways to make money, and clear presale successes. Users will be able to make both money and use out of this system because it will have consistent yields and incentives that the community will create. After the price increase was confirmed and 74% of Phase 6 had already been sold, early admittance will give investors access to the last discount before the exchange listing.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
