Top crypto to buy before Q4 2025? This DeFi coin already joined ETH rally

The recent rally in Ethereum (ETH) has reignited market confidence across decentralized finance.

Investors are closely tracking crypto prices today, searching for the next project that could capture momentum before Q4 2025 sets the stage for a broader altseason.

Among the tokens emerging with strong traction is Mutuum Finance (MUTM), a DeFi protocol preparing features that aim to combine lending, staking, and a revenue-driven rewards structure into one ecosystem.

While ETH remains the backbone of DeFi, Mutuum Finance (MUTM) is shaping up to become the name that aligns with the next phase of growth.

Mutuum Finance (MUTM)’s approach to stability and rewards

One of the most distinctive elements of Mutuum Finance (MUTM) is its plan to introduce a stablecoin pegged to $1.

Unlike many projects whose value fluctuates with market swings, this stablecoin is expected to bring stability to users borrowing and lending within the platform.

It will be minted only when borrowers lock collateral like ETH and will be burned as loans are repaid, keeping its peg intact through controlled issuance and automated liquidation where necessary. This stability is designed to create a secure backbone for transactions inside the protocol.

At the same time, lenders depositing assets will receive mtTokens in return, which grow in value with interest earned. These mtTokens can also be staked in dedicated smart contracts to earn MUTM rewards.

The uniqueness here lies in the rewards mechanism itself—platform-generated revenue will be used to buy back MUTM from the open market and redistribute it to stakers.

This ensures that rewards are directly tied to real usage of the protocol rather than inflationary emissions, an approach many seasoned voices in crypto investing are now demanding.

Presale progress and investor case study

Currently, Mutuum Finance (MUTM) is in its Phase 6 presale, priced at $0.035. The project has already raised over $14.65 million, with 22% of this phase’s allocation sold and more than 15,400 holders participating.

Once the phase concludes, the token price will increase to $0.040, representing an immediate 15% rise for new entrants. At listing, the price is set to debut at $0.06, doubling the current entry.

Investor case studies already show strong returns on paper. For example, an early participant who diversified from Ethereum (ETH) and Solana (SOL) into Mutuum Finance (MUTM) during Phase 3 at $0.020 is now holding unrealized gains of 75%.

At the upcoming listing price, their position is set to represent a full 200% return.

These outcomes highlight why crypto predictions around Q4 are increasingly pointing toward tokens like MUTM that already demonstrate significant traction before their official launch.

Roadmap and lending mechanics building real utility

Mutuum Finance (MUTM) is not just offering presale excitement; its 4-phase roadmap is structured to deliver a fully operational ecosystem.

The first phase introduced the presale and marketing. The second has focused on developing core smart contracts and the DApp interface.

The third centers around bug reporting, demos, compliance work, and final development steps before release. Finally, the fourth phase will bring the live launch, exchange listings, multi-chain expansions, and partnerships. With this structured roadmap, investors have visibility on how the project plans to deliver on its promises.

The lending model is another standout feature. In the peer-to-contract (P2C) design, borrowers will be able to lock ETH as collateral and instantly access loans in USDT, giving them liquidity while holding their ETH positions.

On the peer-to-peer (P2P) side, users will negotiate loan terms directly with one another, enabling flexible interest agreements. Together, these two approaches are designed to cover both standardized lending and tailored, market-driven solutions.

Adding to the project’s credibility, Mutuum Finance (MUTM) has already undergone a CertiK audit, earning a Token Scan score of 95 and a Skynet score of 78.

Security confidence is further supported by a $100,000 giveaway campaign to expand community participation and a $50,000 bug bounty program structured to reward discoveries based on severity.

These steps underline that the team is prioritizing both safety and growth from the outset.

Why momentum favors Mutuum Finance (MUTM)

Crypto prices are moving in sync with Ethereum (ETH)’s latest rally, but not every project has the balance of utility and growth potential that Mutuum Finance (MUTM) presents.

While ETH showcases market leadership, Mutuum Finance (MUTM) has already joined the momentum through its presale traction and upcoming product suite.

For those tracking crypto prices today, the project represents an alternative that combines exposure to DeFi innovation with early-stage investment upside.

As Q4 2025 approaches, the debate around whether altseason will fully materialize remains open. However, Mutuum Finance (MUTM) offers something that transcends market timing.

With its stablecoin, mtToken staking, buyback-driven rewards, detailed roadmap, and growing presale success, the project is already aligning itself with Ethereum (ETH)’s trajectory.

Investors focused on crypto investing now have the opportunity to capture unrealized gains before the official exchange listings give the wider market access.

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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