Best Crypto to Buy This August? Mutuum Finance (MUTM) at $0.035 Could 29x Before Bitcoin (BTC) Breaks $130K

Best Crypto to Buy This August? Mutuum Finance (MUTM) at $0.035 Could 29x Before Bitcoin (BTC) Breaks $130K. Image source: Supplied

Bitcoin (BTC) is once again on the move, with market analysts placing the $130,000 target well within reach before the end of this cycle. While retail investors wait for BTC’s next breakout, smart players are already positioning themselves in under-the-radar assets that stand to benefit from the broader bull run—but with far greater upside. One name that keeps coming up among those insiders is Mutuum Finance (MUTM), a decentralized finance (DeFi) protocol still in presale that has already grown by over 250% and is expected by some to rally up to 29x from its current price of $0.035.

The attention surrounding MUTM isn’t fueled by hype or speculation. It’s building on a combination of real DeFi utility, carefully constructed tokenomics, and an incoming suite of protocol features that target the inefficiencies of traditional finance (TradFi) and centralized crypto platforms alike.

Quiet Build, Loud Gains: Why DeFi Bulls Are Circling Mutuum Finance

Mutuum Finance (MUTM) is not built on meme appeal or unsustainable farming yields. Instead, it is structured around sustainable income models, most notably through its Peer-to-Contract (P2C) lending system. In this mechanism, users will be able to lend stablecoins like USDT or DAI and earn attractive yields—recent simulations indicate APYs between 9% and 11%, depending on pool utilization. Such figures are far above what traditional savings accounts offer and also more stable than high-risk staking platforms.

This lending model will be paired with overcollateralized borrowing opportunities. For example, borrowers who lock blue-chip assets such as ETH or BTC at 75% loan-to-value (LTV) ratios will be able to access capital without selling their holdings. This offers unmatched flexibility for crypto-native users seeking liquidity without giving up their long-term positions.

However, the real power of Mutuum Finance (MUTM) lies in its interconnected token utility system. Every time a user interacts with the protocol—whether lending, borrowing, or staking—demand is generated for mtTokens, which are interest-bearing representations of deposited assets. These mtTokens can then be staked in smart contracts to earn even more yield in MUTM, and in turn, increase protocol stickiness.

What makes the loop even more compelling is that the native token MUTM will be part of regular buybacks funded by protocol revenue. These buybacks will support the token’s price on the open market while redistributing value to users who stake their mtTokens. It’s a design that gives MUTM a level of utility rarely seen in presale-stage tokens.

A fully decentralized stablecoin is also on the horizon. Built to maintain a strict $1 peg, this stablecoin will only be minted when loans are issued and will be burned upon repayment. This tight supply control prevents inflation and adds yet another layer of real demand for the platform.

Presale Frenzy Builds As Phase 7 Nears and Listings Loom

With the DeFi narrative heating up again, Mutuum Finance (MUTM) is attracting attention from investors who missed early gains in tokens like Aave, Compound, or Curve. Currently, MUTM is in Phase 6 of its presale, priced at $0.035, with over 7% of the 170 million tokens already sold and more than $13.7 million raised across phases. Over 14,700 holders have joined, and this number continues to grow ahead of the Phase 7 price jump to $0.040—a 15% increase that’s prompting serious FOMO among latecomers.

Adding to the buzz is a $100,000 giveaway currently underway, with ten winners set to receive $10,000 worth of  MUTM each. Alongside this, a $50,000 bug bounty campaign is live in partnership with CertiK. The CertiK audit process, including both manual review and static analysis, awarded Mutuum Finance a Token Scan Score of 95 and a Skynet Score of 78—indicators of its robust architecture.

Layer 2 Integration

The project also plans to deploy on a Layer-2 network, which will dramatically cut gas fees and make the platform more efficient. This upgrade will be essential as user activity picks up following the expected beta launch at listing. Notably, the team is targeting listings on top-tier exchanges such as Binance, KuCoin, and Coinbase, which could serve as massive catalysts for demand and price appreciation.

Investor confidence is also evident on social channels, with Twitter followers now surpassing 12,000—clear evidence of a growing and engaged community ahead of launch.

With only 4 billion MUTM tokens in total supply and real protocol mechanics driving utility, the possibility of a $2 price target doesn’t look speculative—it looks increasingly achievable. A buyer from Phase 1, who acquired MUTM at $0.01, would see a 200x return at $2. Even Phase 6 buyers at $0.035 would be locking in a 29x return—massive upside that traditional crypto giants like Bitcoin simply can’t offer anymore at their current valuations.

Mutuum Finance (MUTM) represents the kind of quiet giant that usually outperforms during bull markets—not because it rides the hype wave, but because it builds an ecosystem with lasting value. And that’s exactly where smart money is looking right now.

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Disclaimer

The information provided in this article is for educational and informational purposes only and should not be construed as financial, investment, or legal advice. Cryptocurrencies and blockchain investments are highly volatile and involve significant risk, including the potential loss of capital. Always conduct your own research (DYOR) and consult with a qualified financial advisor before making any investment decisions.

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