Experts say MUTM may outperform MATIC and DOGE

While legacy coins like MATIC and DOGE continue to dominate headlines, some investors are quietly turning their attention to a low-cost DeFi token still flying under the radar. Mutuum Finance (MUTM) is currently priced at just $0.025, but the setup suggests it might offer far more upside in 2025 than many of its more established counterparts. What’s fueling this shift? For starters, Mutuum’s presale is gaining momentum. With over 65% of the fourth phase completed, interest is growing fast. The opportunity to buy at $0.025 is almost over, with Phase 5 of the presale set to bump the price up to $0.03. Since the launch value is already fixed at $0.06, those getting in now are locking in a potential 140% increase before the token even makes its exchange debut. That alone has created a growing sense of FOMO across cryptocurrency communities looking for the next undervalued gem. But pricing alone isn’t what sets MUTM apart. Mutuum Finance (MUTM) Mutuum Finance offers a versatile lending structure that gives users two different ways to participate: one through contract-based lending (P2C) and the other through direct user-to-user agreements (P2P). This setup gives users the freedom to engage with the protocol in a way that matches their specific goals and asset preferences. With the P2C method, users place their crypto assets into shared liquidity pools managed by the protocol. Borrowers can then draw from these pools by offering collateral, and the interest rates shift automatically based on how much of the pool is currently in use. This approach simplifies the lending process and works well for mainstream, lower-volatility assets. Meanwhile, the P2P path offers a more tailored experience. Users can connect directly with others to create custom lending agreements — a format well-suited for assets that aren’t included in the shared pools, such as meme tokens like SHIB, DOGE, or PEPE. This peer-driven model keeps risk separate from the main system while opening the door to more speculative opportunities. This flexibility is one reason why early-stage whales — including those previously in MATIC and DOGE — are now tracking Mutuum. For many of them, it’s becoming a clear choice when exploring what crypto to invest in heading into the next market cycle. Another aspect that’s drawing attention is Mutuum’s Layer 2 compatibility. The protocol is being developed to integrate with scalable networks, helping reduce transaction costs and increase throughput. For DeFi users who are tired of congested Layer 1 environments, this design decision positions Mutuum as a forward-thinking alternative. By optimizing for speed and efficiency from the start, Mutuum gives lenders and borrowers the kind of experience typically only seen on more mature protocols — all while maintaining a permissionless, non-custodial structure. Behind the scenes, Mutuum’s smart contracts are undergoing a full audit by CertiK, a step that’s becoming a must for serious DeFi contenders. It reinforces trust at a time when users are increasingly cautious about protocol security. What makes this even more significant is the team’s intention to launch a beta version of the platform at the same time the token goes live. That means new investors won’t be waiting months to use the product — they’ll be able to explore lending, borrowing, and interacting with the core system right away. MATIC helped solve Ethereum’s scalability problem and DOGE gained attention through cultural momentum. However, heading into 2025, practical use cases are likely to play the most important role in determining value. Analysts are already noting that MUTM offers something both coins currently lack: real-time passive income generation through a structured on-chain economy. Mutuum’s revenue system collects protocol fees and uses them to buy back MUTM tokens, which are then distributed to users. This creates a yield loop based on actual usage — not hype or speculation — and it’s already resonating with long-term portfolio builders searching for the best crypto to buy now with solid fundamentals. From a valuation perspective, the difference is striking. At $0.025, MUTM is still in early territory. But with strong features, Layer 2 compatibility, dual lending options, and product rollout planned around the token’s debut, the pieces are lining up for a breakout year. Investors looking for the next big crypto or the best cheap crypto to buy now for 2025 gains may find that Mutuum Finance checks all the right boxes — especially before its price begins to reflect what’s being built beneath the surface. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.finance/ Linktree: https://linktr.ee/mutuumfinance The post Experts say MUTM may outperform MATIC and DOGE appeared first on Invezz

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