For traders shaping a $20,000 crypto portfolio ahead of the 2026 bull run, one project has begun standing out across the DeFi world — Mutuum Finance (MUTM).
Many seasoned investors are already placing half of their holdings, around $10,000, into this Ethereum-based protocol. Its ongoing presale, audited framework, and yield-based lending system have made it a core holding for those aiming to grow their crypto investment before prices rise further.
The presale surge and why traders are taking position
Mutuum Finance (MUTM) is now deep into Phase 6 of its presale, raising $17.12 million overall with 62% of the available 170 million tokens sold.
The current token price sits at $0.035, and Phase 7 will raise it by 15% to $0.040. With more than 16,850 holders, the project has already gained the attention of retail investors, DeFi enthusiasts, and whales alike.
Investors who entered at Phase 1’s $0.01 price now hold 250% value growth, and when listings begin around $0.06, they are expected to see around 500% value gain.
Mutuum Finance (MUTM)’s model revolves around a dual lending structure designed for flexibility and yield.
In the Peer-to-Contract (P2C) system, users will deposit major assets such as ETH and DAI into audited smart contracts. These funds will then be used to issue overcollateralized loans.
For instance, a lender depositing $15,000 in USDT will earn around $2,250 in annual returns through the protocol’s variable rates.
In return, they will receive mtTokens — digital receipts that represent their share of the liquidity pool. These mtTokens can later be staked to earn MUTM rewards, multiplying earnings over time.
Borrowers, on the other hand, will use crypto collateral to unlock instant liquidity without selling their assets. For example, locking $5,000 worth of ETH will allow borrowing up to $3,750 in stablecoins — a 75% loan-to-value ratio.
This feature lets investors access funds while keeping exposure to ETH’s price movement, a strategy favored by active traders managing their tax efficiency and portfolio flexibility.
Stability, security, and why whales are moving in
Mutuum Finance (MUTM) also stands out for its decentralized stablecoin design, which will keep a consistent $1 peg.
The stablecoin will be minted when users borrow against collateral and burned once those loans are repaid or liquidated. Governance will adjust borrowing rates dynamically to maintain peg stability.
When the stablecoin trades above $1, borrowing costs will decrease to encourage issuance. When it drops below $1, borrowing costs will rise to push the price back toward balance.
This smart mechanism creates a stable, self-regulating ecosystem that strengthens user trust.
Behind this financial logic lies a strong security foundation. Mutuum Finance (MUTM) has completed a CertiK audit, scoring 90.00 on TokenScan and 79.00 on Skynet through both static analysis and manual review.
The project has also launched a $50,000 bug bounty program that rewards community members up to $2,000 for identifying critical vulnerabilities.
Meanwhile, a $100,000 giveaway campaign rewards 10 early participants with $10,000 worth of MUTM tokens each — driving user engagement while expanding the project’s holder base.
Mutuum Finance (MUTM)’s 12K+ Twitter followers reflect a growing audience eager to join before the presale moves to its next stage.
Roadmap and sepolia testnet
The Mutuum Finance (MUTM) roadmap shows clear progress. Earlier phases focused on presale, marketing, and audits. The next milestones include full smart contract integration, DApp front-end rollout, and back-end infrastructure.
The beta launch will go live, introducing new modules such as liquidity pools, debt tokens, and liquidator bots. These developments will pave the way for a public mainnet launch with institutional partnerships and exchange listings.
On top of that, Mutuum Finance (MUTM) announced that it is developing a crypto lending and borrowing platform. The first version, V1, is set to launch on the Sepolia testnet in late 2025.
It will feature key components such as a liquidity pool, mtToken, debt token, and a liquidator bot to ensure smooth operation. At launch, users will be able to lend, borrow, and use ETH or USDT as collateral securely and efficiently.
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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