Ethereum (ETH) has created a new generation of millionaires in recent months, proving once again that early entry into a project with strong fundamentals can transform ordinary investments into life-changing gains. Investors who recognized ETH’s utility before mainstream adoption watched their portfolios multiply. Now, as prices of established tokens climb to levels that are no longer affordable for most, attention is turning toward lower-cost projects with real use cases and growth potential. One name rising quickly in discussions about investing in crypto is Mutuum Finance (MUTM) , trading at just $0.035 during its presale Phase 6. With 170 million tokens allocated at this stage, more than 53% already sold, around $16.53 million raised, and over 16,650 holders, the momentum is undeniable. The window is closing fast, as Phase 7 will increase the price to $0.040, a 15% jump that underscores the urgency to act now. Mutuum Finance (MUTM)’s safe system designed for long-term growth What separates Mutuum Finance (MUTM) from other presale tokens is its approach to building a lending and borrowing platform that prioritizes stability and resilience. At its core lies an innovative $1-pegged stablecoin system. Unlike tokens that inflate endlessly, the supply here will expand only when users borrow against collateralized assets, such as ETH or major stablecoins. Once those loans are repaid or liquidated, the borrowed stablecoin is burned, creating a self-regulating balance between supply and demand. This peg will be maintained by governance-controlled interest rates that adjust borrowing costs depending on market conditions. For example, when the token’s value dips below $1, the system will raise interest rates to handle supply, while lowering them if the price rises above $1. Arbitrage traders will also play a role in stabilizing the peg by exploiting price differences, while all loans remain overcollateralized to ensure safety. Automatic liquidation will activate if collateral thresholds are breached, guaranteeing that the platform maintains stability even during turbulent markets. Accurate valuation is equally important. Mutuum Finance (MUTM) will use Chainlink oracles to provide reliable real-time price feeds, while fallback and aggregated oracles, as well as time-weighted averages from decentralized exchanges, will serve as secondary defenses. This infrastructure guarantees safe and transparent price discovery, protecting lenders and borrowers from manipulation or volatility-driven mismatches. For investors tracking crypto prices today, such systems show why this project is built for long-term stability, not just speculative hype. Mutuum Finance (MUTM)’s lending model will operate through both peer-to-contract pools for established tokens and peer-to-peer markets for more speculative assets, creating flexibility for conservative lenders and risk-tolerant traders alike. Borrow interest rates will adjust dynamically depending on utilization: when liquidity is scarce, rates will rise to attract deposits, while excess liquidity will lower costs to encourage borrowing. This mechanism ensures that capital stays productive and the system remains healthy under all conditions. Driving value with staking, buybacks, and roadmap milestones For early participants, the opportunity extends far beyond simply holding tokens. Mutuum Finance (MUTM) will allow users to stake mtTokens, earning MUTM rewards while contributing to the platform’s liquidity. To further strengthen demand, the project will use revenues to execute open-market buybacks of MUTM tokens, which are then redistributed to mtToken stakers. This buy-and-distribute model handles circulating supply while rewarding active participants, a proven formula for long-term value appreciation. The roadmap is equally ambitious. The platform is progressing through four structured phases: presale and marketing campaigns, core smart contract development, finalization and security audits, and finally the full live launch with exchange listings, regional compliance, and institutional partnerships. Each milestone is designed to scale adoption and drive value for the ecosystem. Investor confidence is further reinforced by security measures already in place. Mutuum Finance (MUTM) has undergone a CertiK audit, achieving a TokenScan score of 90.00 and a Skynet score of 79.00. To keep security ongoing, the team has allocated $50,000 for a bug bounty program with rewards for contributors who identify issues. Alongside this, a $100,000 giveaway campaign is running, where 10 winners will receive $10,000 worth of MUTM each, further strengthening community engagement. People who want to know why crypto prices go up and down often find that the solution is the rise of platforms that not only offer new features but also build long-term demand for their tokens. Mutuum Finance (MUTM) is trying to be one of those rare enterprises that combines new ways of financing with tokenomics that are good for investors. Conclusion Early investors have already seen meaningful gains. Those who entered at Phase 1 for $0.01 now hold a 3.5x return at today’s Phase 6 pricing of $0.035. With the next phase lifting the token to $0.040, and projections of $0.06–$0.08 post-listing driven by the beta launch, staking rewards, exchange listings, and buybacks, the upside remains compelling. Ethereum (ETH) taught the world how early adoption can make millionaires. With Mutuum Finance (MUTM) already worth less than $0.04 and developing a base of real-world stability and scalable growth, the next wave of wealth creation in DeFi is ready to begin. This presale is a unique chance for investors who want to make money in both the short and long term to get in before the rest of the market sees its potential.. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post ETH minted millionaires; experts say next wave from crypto under $0.04 appeared first on Invezz
