Best cryptos to buy now: traders accumulate $0.035 altcoin like SOL 2021

In 2021, Solana (SOL) went from being a modest DeFi initiative to one of the most well-known names in crypto. It got a lot of attention since it had a lot of active developers, apps that were growing, and a powerful network.

Many of the first investors who got in at the beginning made huge profits as the price of cryptocurrencies went up.

Traders are now seeing a similar setup with Mutuum Finance (MUTM). The initiative is starting to build its base on practical use, not hype.

The platform’s main goal is to give users constant value by focusing on lending, borrowing, and staking. The analogy to Solana (SOL)’s early days seems more appropriate than ever as the presale goes on.

The DeFi model that creates real utility

Mutuum Finance (MUTM) is in Phase 6 of its presale, with a total token supply of 4B overall. The project has already generated around $17.05 million since inception.

Over 16,850 holders have joined so far in all the phases, and 60% of the 170 million tokens allocated for this round have been sold. 

The security is top-notch as CertiK’s audit of Mutuum Finance (MUTM) was completed through manual review and static analysis, achieving a Token Scan Score of 90.00 and a CertiK Skynet Score of 79.00.

The audit was first requested on February 25, 2025, and revised on May 20, 2025. 

The good news is that Mutuum Finance (MUTM) has recently announced that its lending and borrowing protocol will go live on the Sepolia Testnet in Q4 2025, with ETH and USDT as initial assets for lending, borrowing, and collateral. The first version will include Liquidity Pools, mtTokens, Debt Tokens, and a Liquidator Bot.

Lending outlook and mechanics

Mutuum Finance (MUTM) builds around Peer-to-Contract (P2C) lending. It connects depositors and borrowers through smart contracts without the need for middlemen.

Each pool will balance interest rates using a simple rule: when utilization rises, so does the rate, attracting more liquidity.

A trader who deposits $25,000 worth of BTC will receive 25,000 mtBTC. At an annual yield of 10%, they earn $2,500 in interest after one year. This setup lets them keep exposure to BTC while earning steady returns through crypto investing.

Borrowers, on the other hand, use collateralized loans to access instant liquidity. For instance, posting $3,000 worth of SOL as collateral allows borrowing up to $1,500 at a 50% loan-to-value ratio. If SOL drops by 25%, the system’s Stability Factor recalculates the risk.

Once it crosses the set limit, the protocol begins a partial liquidation process to maintain balance. This design protects the system from heavy shocks while giving borrowers a fair chance to manage their positions.

Collateral always remains oversecured. Every asset has its own reserve factor and liquidation threshold. Suppose a borrower posts $10,000 as collateral and borrows $7,500 at a 75% LTV.

If the collateral drops 20% in value to $8,000, the new ratio becomes 1.066. Once it hits the Stability Factor’s lower boundary, liquidation is triggered to keep the protocol healthy.

These smart mechanics depend on Chainlink and time-weighted average price (TWAP) oracles to track real-time values. Auctions run in stages, offering discounts to liquidators.

Higher-risk tokens carry larger incentives to ensure liquidity. The platform’s liquidity pools will manage these incentives dynamically, giving lenders higher returns during tight market conditions.

In volatile markets, reserve factors can range between 10% and 55%, depending on asset risk. This adaptive structure keeps returns fair and risk controlled, ensuring long-term sustainability in the system.

Solana (SOL)’s rise and Mutuum Finance (MUTM)’s momentum

What made Solana (SOL)’s 2021 breakout so strong was its speed, product delivery, and developer focus. Mutuum Finance (MUTM) is setting up a similar pace.

The testnet launch will mark its first live step. Once users begin lending, borrowing, and staking, on-chain revenue will start flowing into buyback programs and mtToken rewards, supporting long-term demand for MUTM.

Early investors are already seeing strong returns. A $5,000 swap during Phase 1 at $0.01 secured 500,000 tokens. Those tokens are now valued at $17,500 at today’s $0.035 price, a value increment of profit $12,500 or 250%.

At the final phase price of $0.06, the same allocation will be valued at $30,000 — a 500% increase. Such clear, math-backed growth explains why traders are accumulating this token before the next phase.

Community buildup

Mutuum Finance (MUTM) also maintains a strong focus on safety and community. The CertiK audit provides technical credibility, while a $50,000 bug bounty encourages white-hat testing.

Critical findings can earn up to $2,000, and smaller issues are rewarded proportionally. Alongside that, a $100,000 giveaway is running, where ten winners will each receive $10,000 worth of MUTM.

The project’s dashboard and Top-50 leaderboard are live, allowing investors to connect wallets, track holdings, and compete for recognition.

This mix of transparency, engagement, and gamified incentives builds trust while keeping the community active.

Traders are now viewing Mutuum Finance (MUTM) as one of the best cryptos to buy now. With Phase 6 already 60% sold and the next price at $0.04, time plays a key role.

The +15% jump is a reminder that each phase brings higher entry costs. For many in the market watching crypto prices rise again, this token offers something that feels familiar — the next Solana (SOL)-like growth story, built on product, performance, and real participation in the world of crypto investing.

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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