By A new group of winners comes out with each crypto cycle. In the past, people who saw XRP, ADA, and SOL early and held on to them made life-changing profits.
These tokens changed portfolios because they did more than just create buzz; they were useful and developed robust ecosystems at the perfect time in market history.
As another cycle picks up speed, investors want to know why some crypto ventures are going up more than others.
The answer is the advent of decentralized finance platforms that not only promise usefulness but also create real demand through their tokenomics.
Mutuum Finance (MUTM) is the next big thing to join the ranks of long-term portfolio giants. It was only $0.035 during its presale.
A platform designed for both lenders and borrowers
Mutuum Finance (MUTM) is different from other crypto coins since it is a two-sided ecosystem.
It gives lenders predictable returns and gives borrowers the ability to access liquidity without losing access to their favorite tokens.
Think of a lender putting $20,000 worth of USDC into the peer-to-contract pool of Mutuum Finance (MUTM).
They get mtUSDC tokens in exchange, which earn roughly 15% APY, or $3,000 a year.
That continuous income makes lending a reliable way to make money, even when the market is going through rough times.
In the meantime, people who want to borrow money might put up $2,500 worth of ETH as collateral and borrow USDT against it at a 75% loan-to-value ratio.
This way, they stay exposed to the rise in ETH’s price while also getting cash right away to use for other things.
Utilization-based interest rates keep these pools healthy.
When there is a lot of demand for loans and not much money available, rates go up, which makes people want to pay back their loans and make new deposits.
When there is a lot of capital, rates stay low, which makes loans more appealing.
This approach adjusts itself to keep things in balance, producing a stable atmosphere where both sides can grow even when market conditions change.
Presale growth backed by trust and community
Most people are paying attention to Mutuum Finance (MUTM) during the presale phase.
The initiative is already in Phase 6 and has raised $15.65 million from more than 16,200 holders.
38% of the 170 million tokens available in this round have already been sold at $0.035.
Demand is going up since Phase 7 will raise the price by 15% to $0.040.
This means that those who buy tokens today are getting them at a discount that will never come back.
Verification by a third party strengthens trust. Mutuum Finance (MUTM) has passed a CertiK audit, getting a Token Scan score of 95 and a Skynet score of 78.
Both of these scores show that the project’s technical quality and security policies are very good.
To get more people involved, the project has announced a $100,000 giveaway and a bug bounty program that would pay up to $50,000 for finding security holes.
These measures illustrate that the team is not just constructing the ecosystem, but also asking the community to help make it stronger.
Resilience in volatility and path to long-term growth
One of the hardest things about investing in crypto is that the market is always changing. Mutuum Finance (MUTM) deals with this directly by having strong risk controls.
Loans with a value-to-loan ratio of up to 75% are available for assets that don’t change much, whereas loans with a value-to-loan ratio of 35% to 40% are available for assets that do change a lot.
Liquidation thresholds and reserve factors guarantee that solvency is maintained, and progressive liquidation incentives help people get out of bad situations without causing losses to spread throughout the platform.
Mutuum Finance (MUTM)’s peer-to-peer pools give you more options for higher-risk investments.
In pools with tokens like DOGE and PEPE, lenders and borrowers work out their own terms, which keeps risk from spreading to the rest of the system.
Lenders get higher profits on these pools because they are riskier. This gives people who can handle more risk the chance to invest in them while keeping the core pools safer.
The blueprint gives long-term holders even more confidence. When the token is listed for exchange, a beta version of the platform will go live.
This will let early adopters use features in real life. Layer-2 integration will make transactions cheaper and faster than older Layer-1 systems.
This will make the user experience different from other DeFi platforms.
Plans for a decentralized stablecoin, together with projected listings on major exchanges, will make Mutuum Finance (MUTM) known and available all around the world, leading to far wider adoption than only in the early community.
The new long-term HODL candidate
Mutuum Finance (MUTM) is a good choice for long-term holders who want to know which crypto coins to trust for the next market cycle because it has the three things they need: innovation, security, and growth potential.
Its two loan systems provide genuine economic activity, its presale momentum demonstrates that the community is behind it, and its planned roadmap makes sure that adoption will keep growing.
XRP, ADA, and SOL used to mark a time of rise in crypto investing.
Mutuum Finance (MUTM) is getting ready to take its position in the top portfolios as the next altcoin that isn’t only for speculating but for making a difference.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
The post Which crypto to buy for long-term? this token could replace XRP, ADA and SOL in top portfolios appeared first on Invezz
