When crypto charts flash red with over $1 billion in BTC and ETH liquidations, the question arises: is crypto a good investment right now, or should investors look for smarter hedges that deliver sustainable yield? Market shocks often trigger a rotation from volatile assets into protocols that provide more predictable returns. That is why smart investors are turning their attention to Mutuum Finance (MUTM), a sub-$0.05 presale token designed around stability, revenue growth, and on-chain yield.

After $1B In liquidations hit BTC and ETH

Bitcoin (BTC) and Ethereum (ETH) faced significant volatility as $1 billion in liquidations struck the crypto market on August 25, 2025. BTC, down 2.4%, trades at ~$112,000 with a 24-hour trading volume of $45 billion, while ETH, down 1.8%, holds at ~$4,100 with $37.07 billion in volume. The liquidations, including $450 million in BTC and $346.46 million in ETH futures, were triggered by macro pressures like U.S. tariffs and a hawkish Federal Reserve outlook. 

BTC tests $112,000 support with RSI at 46, while ETH tests $4,094 with RSI at 48. Despite $2.7 billion in BTC ETF inflows and $341 million for ETH, sentiment remains cautious. BTC could hit $116,713 if resistance breaks, but risks $110,000; ETH eyes $4,391 but could drop to $3,950.

Yield and borrowing mechanics that set a new standard

Mutuum Finance (MUTM) is preparing to introduce a governance-controlled $1 stablecoin that will be minted only against overcollateralized assets. This design ensures that supply remains responsible and that the peg is actively defended by interest rate adjustments managed by governance. Rather than being dependent on external speculation, the stablecoin will anchor its value through direct borrowing demand and controlled incentives. For investors who have been bruised by another crypto crash in the majors, this represents a compelling alternative for safer on-chain liquidity.

Mutuum Finance (MUTM) is building around a peer-to-contract (P2C) model that delivers real returns. For instance, a lender depositing $24,500 in USDT into a high-utilization pool will expect to generate 14% APY, or $3,430 in a single year. That return is automatically tracked by mtUSDT, a tokenized representation of the deposit, which grows in value as interest accrues.

Borrowers, on the other side of the system, gain flexible access to liquidity without needing to sell their holdings. An ETH holder who locks $40,000 of ETH at a 68% loan-to-value ratio will be able to access $27,200 in liquidity while keeping exposure to ETH price action. For investors seeking leverage without triggering taxable disposals, this model will become a vital tool.

The peer-to-peer (P2P) side of Mutuum Finance (MUTM) will also play an important role. It will give users with higher-risk assets the ability to negotiate terms directly. For example, a FLOKI lender might agree on 17% APY for a 21-day $2,800 loan order that allows partial fills. By separating P2C for blue-chip stability and P2P for riskier assets, Mutuum Finance (MUTM) will provide a full spectrum of yield opportunities while isolating risk.

Presale momentum, roadmap and reward structure

The project is already progressing through Phase 6 of its presale at $0.035, with around $15.02 million raised, 27% of tokens sold, and a community of over 15,750 holders. The total supply will be capped at 4 billion tokens. With Phase 7 set to increase the price to $0.040, new investors will see a 15% step up in cost for entry. That immediate pricing shift, paired with the expected listing at $0.06, will give urgency to those looking for timely exposure.

Security has been a focal point with CertiK reviewing the project, reflected in a Token Scan score of 95 and a Skynet score of 78. A $50,000 USDT bug bounty has been established with severity-based rewards, encouraging developers to stress-test the system before live launch. To expand outreach further, a $100,000 giveaway will select 10 winners of $10,000 each, showing a strong push to reward early adopters.

Mutuum Finance (MUTM) has also mapped out a clear four-phase roadmap. The Intro stage set the presale and early awareness in motion. The Build phase will be defined by smart contract development, back-end infrastructure, and testing. The Finalize phase will include a beta demonstration, comprehensive audits, and regulatory compliance alignment. Finally, the Deliver phase will align with the expected exchange listings, full launch of the protocol, multi-chain expansion, and advanced feature rollouts. Investors will be able to test the lending and stablecoin mechanics at the time of expected listing thanks to the beta launch, which will run in parallel.

On top of lending mechanics, Mutuum Finance (MUTM) will give users the ability to stake their mtTokens in designated contracts. These staked tokens will generate MUTM rewards that come from a buyback-and-distribute model. A portion of the platform’s revenue will be used to purchase MUTM on the open market, and those tokens will then be redistributed to mtToken stakers. This design ensures that as platform activity scales, so too will the revenue-driven buybacks that reward long-term participants.

Investors who placed $10,000 into Phase 1 at $0.01 are now multiple times up by Phase 6. That kind of trajectory shows what $1,000 allocated today at $0.035 could deliver once Phase 7 begins and listings follow. With beta utility, stablecoin adoption, and multi-chain deployment expected to converge at launch, Mutuum Finance (MUTM) presents itself as more than just another presale—it positions itself as a hedge and yield play in an unpredictable market.

With another phase increase imminent and smart capital shifting away from volatile majors into structured yield, the timing for entry is decisive. Investors will want to act before Phase 7 moves the price to $0.040 and leaves Phase 6 buyers with an instant edge.

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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