Next $1 crypto could beat DOGE, whales hint at DeFi gem heating up

While DOGE has historically gained traction through social momentum and hype, disciplined investors are looking for a cryptocurrency whose path to $1 is grounded in utility and sustainable demand.

Mutuum Finance (MUTM) is increasingly capturing the attention of whales seeking DeFi projects with real-world application, sticky usage, and controlled risk mechanisms.

Its $1-peg stablecoin, precise oracle-driven valuations, and structured lending environment offer a combination of security and growth potential that contrasts sharply with meme-driven speculation.

$1-peg stablecoin and lending mechanics that drive growth

Mutuum Finance (MUTM) revolves around a decentralized stablecoin designed to stay close to $1. The minting process only occurs when users borrow against overcollateralized assets such as ETH, BNB, or other approved tokens, while burning happens automatically when loans are repaid or liquidated.

Only approved issuers are allowed to mint, each with a capped allocation to manage systemic risk. Governance actively adjusts borrowing rates to maintain the peg, while arbitrage opportunities ensure the stablecoin price stays aligned near $1.

The combination of borrowing demand and stablecoin usage ensures continuous platform activity, positioning MUTM as a utility-first DeFi project.

The protocol supports both variable and stable interest rates. Variable rates adjust dynamically based on pool utilization, while stable rates provide predictable repayment costs.

These stable rates start higher than variable rates to compensate for predictability and are subject to rebalancing whenever the current supply rate drops below 90% of what would apply under a fully variable model.

Not all tokens qualify for stable borrowing, ensuring that only assets with sufficient liquidity and low volatility participate, protecting platform solvency.

On the lending side, P2C pools allow users to deposit blue-chip assets like BNB or ETH.

Borrowers can take advantage of risk-tiered LTVs; posting $3,500 in MATIC at 55% LTV enables borrowing $1,925 in a supported asset, with repayments following the chosen rate structure and liquidation thresholds strictly enforced.

P2P arrangements cater to higher-risk assets such as SHIB, DOGE, FLOKI, TRUMP, and PEPE, allowing isolated contracts with elevated returns while shielding core liquidity from volatility.

The presale is currently in Phase 6, with a current price of $0.035. Around $15.24 million has been raised so far, with over 15,950 holders and 32% of the 170 million tokens already sold.

The next presale phase will increase the price by 15% to $0.040, representing the last discounted entry before the token gains broader exposure.

Early participation allows investors to benefit from the stablecoin-driven platform growth, structured risk management, and eventual listing liquidity.

Risk management, price discovery, and strategic roadmap

Mutuum Finance (MUTM) applies rigorous risk controls to balance growth and security. Stable assets like USDT and ETH are eligible for up to 75% LTV with liquidation thresholds around 80%, while higher-volatility tokens carry more conservative caps, generally 35–40% LTV with a 65% liquidation threshold.

Deposit and borrow caps, Restricted Collateralization Mode, and reserve factor scaling further protect the protocol during extreme market events. Enhanced Collateral Efficiency improves borrowing capacity for correlated stable assets without overexposing the system.

Price discovery is anchored in Chainlink oracle feeds for USD and native asset pairs, with fallback or aggregated feeds and DEX TWAPs providing redundancy.

This ensures fair valuations and smooth liquidation execution during volatility spikes, keeping the lending ecosystem robust. 

Mutuum Finance (MUTM)’s roadmap spans four phases: Phase 1 covers presale, marketing, helpdesk, audit requests, and giveaways; Phase 2 focuses on building the core smart contracts and infrastructure; Phase 3 finalizes beta testing and exchange listing preparations; Phase 4 delivers the live platform, multi-chain expansion, institutional partnerships, and additional feature enhancements.

The beta launch will coincide with the token’s live event, allowing users to engage with the platform before broader exchange activity.

Security 

Security and community trust are reinforced through a CertiK audit, which includes Manual Review and Static Analysis, earning a Token Scan score of 95.00 and a CertiK Skynet score of 78.00, with the audit timeline requested on 2/25/2025 and revised on 5/20/2025.

A $50,000 USDT bug bounty program rewards issues by severity—Critical up to $2,000, Major up to $1,000, Medium up to $500, and Low up to $200. A $100K giveaway awards ten participants $10,000 worth of MUTM each, while 12K+ Twitter followers indicate strong social engagement.

Investment examples highlight MUTM’s upside potential. A Phase 1 participant who rotated $1,200 from BTC is already positioned with strong paper gains at $0.035 and sees a straightforward path toward the $1 milestone, underpinned by stablecoin usage, oracle-backed liquidations, and beta platform activity.

A new buyer entering at $0.035 before the 15% uplift is similarly positioned to ride the utility-driven growth story.

As traders consider why crypto is down and watch traditional crypto ETFs for stability, Mutuum Finance (MUTM) emerges as a utility-driven DeFi opportunity.

Phase 6 is 32% sold, and the next 15% price increase signals the last window to enter at a discounted rate. Unlike DOGE, the $1 narrative for MUTM is anchored in real usage, robust risk management, and strategic beta deployment, giving investors a practical path toward substantial returns.

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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