AVAX pushes higher, yet MUTM is the cheapest crypto with 20x potential

Avalanche (AVAX) has been climbing steadily, regaining momentum as one of the top layer-1 networks in the cryptocurrency market.

Its growth reflects renewed interest in scalable blockchain solutions, but while AVAX continues to push higher, analysts are pointing to Mutuum Finance (MUTM) as the cheapest cryptocurrency with the potential to deliver 20x returns.

With its presale gaining traction and unique protocol design, Mutuum Finance offers investors a rare opportunity to enter at the ground level of a DeFi project with long-term utility.

Avalanche (AVAX): early surge and market position

Avalanche currently trades as one of the leading smart contract platforms, consistently ranked among the top cryptocurrencies by market capitalization. Its network became known for high throughput and low transaction costs, branding itself as a faster alternative to Ethereum.

During its early surge in 2021, AVAX rewarded early participants with exponential gains, rising from just a few dollars to over $140 at its peak. Investors who entered early saw life-changing returns, cementing Avalanche’s place as one of the standout performers of that bull run.

Today, although its price remains below its all-time high, AVAX continues to attract attention as developers expand its ecosystem with DeFi, NFTs, and enterprise blockchain integrations.

Yet, with Avalanche already established and trading at a much higher entry price, new investors are asking whether similar upside exists elsewhere, and many are now turning to Mutuum Finance.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is a decentralized, non-custodial liquidity protocol designed to create efficient lending and borrowing markets.

Unlike traditional models, it introduces dual lending structures that combine:

1. Peer-to-Contract (P2C): In this setup, users deposit assets like ETH, USDC, or DAI into Mutuum Finance’s liquidity pools, which function as a collective reserve.
   
   Borrowers can access liquidity immediately, while depositors earn returns tied to the pool’s utilization. As borrowing demand rises, interest rates increase, directly boosting the earnings for lenders.
   
   
2. Peer-to-Peer (P2P): Alongside pooled lending, Mutuum Finance introduces a direct lending option where participants can negotiate terms with one another.
   
   This means lenders and borrowers can set customized agreements, such as specific interest rates or repayment schedules, outside of the broader pool.
   
   It’s particularly useful for larger or more specialized loans, giving institutional players and experienced traders greater control over their positions. While P2C provides instant liquidity and efficiency, P2P brings added flexibility.

Borrowers on Mutuum Finance can also choose between variable and stable interest rates. Variable rates adjust dynamically based on liquidity conditions, remaining low when capital is abundant and rising when liquidity is tight.

Stable rates, meanwhile, give borrowers predictable repayment terms, starting slightly higher but protecting them from future spikes. Together, these options create a balanced system that caters to both short-term traders and long-term participants.

Presale momentum and early entry

The project has already raised over $15.3 million and attracted more than 15,950 holders, showing strong investor confidence. Phase 6 of the presale is nearly sold out at $0.035, after which the price will rise to $0.04, before eventually listing at $0.06.

For early participants, this represents a built-in opportunity to secure 200–300% growth. By comparison, established tokens like AVAX already trade at much higher valuations, meaning the potential for outsized gains is limited.

This is why analysts stress that timing matters, and entering early in MUTM could be the difference between modest returns and life-changing profits.

Stablecoin and Layer-2 integration

Mutuum Finance is already building long-term growth drivers that strengthen its position as a future leader in DeFi.

One major development is Mutuum Finance’s overcollateralized stablecoin, which will be minted directly from collateral deposited within the protocol. Unlike centralized stablecoins that often rely on opaque reserves, this token will be fully backed by on-chain assets that are transparently verifiable.

Pegged to the US dollar, it is designed to maintain stable value while being created only when users lock collateral above a certain ratio, ensuring that every unit issued is safely overcollateralized.

Additionally, Mutuum Finance is preparing layer-2 integrations, which will lower costs and expand scalability across multiple blockchain environments.

These upgrades not only improve efficiency but also make the protocol attractive to institutional users seeking reliable DeFi solutions.

For investors, these catalysts highlight why Mutuum Finance is attracting attention away from higher-priced tokens like Avalanche.

With a much lower entry price, massive upside potential, and features that extend beyond lending, the project positions itself as one of the most compelling investment opportunities of 2025.

Mutuum Finance (MUTM) may outperform Avalanche in 2025

Avalanche has proven its worth as a scalable blockchain, rewarding early investors with remarkable gains and maintaining its status as a leading network. However, with its valuation already high, the chances of another 20x surge are slim.

Mutuum Finance (MUTM), on the other hand, is still in its presale phase at just $0.035, with listings ahead at $0.06 and long-term catalysts such as its stablecoin and layer-2 integration on the horizon.

Backed by a CertiK audit, whale participation, and growing presale momentum, analysts view it as the cheapest cryptocurrency with the potential to deliver exponential growth.

For investors wondering which crypto to buy now, the answer may not lie with established players like AVAX but with emerging protocols like Mutuum Finance (MUTM) that combine low entry price, strong fundamentals, and the possibility of becoming one of the next big cryptocurrencies in 2025.

For more information about Mutuum Finance (MUTM), visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post AVAX pushes higher, yet MUTM is the cheapest crypto with 20x potential appeared first on Invezz