If you are new to the crypto world, you might mistakenly believe that Bitcoin (BTC) is the only game in town. For most people, that is the reality they face without their own research. However, smart investors know that real opportunities are at the bottom of the market, in undiscovered coins like
Mutuum Finance (MUTM)
.
Here, deep in the trenches, are where real gems are found. These are coins that everyone ignores until their value finally explodes. Do not be among those who make the last-minute rush to make huge gains. Find out which coins could deliver breakout results this season.
PEPE
In all crypto bull runs, PEPE has been known to deliver some impressive gains. However, you are not going to be making the 100x early PEPE investors. Another thing to consider is that PEPE is highly volatile, making it difficult to predict when the best time to exit is. For more stable, predictable long-term returns after the initial surge, the best option is Mutuum Finance (MUTM).
XRP
XRP has been touted as a sleeping giant that is ready to awaken. It recently scored some victories in litigation with the SEC. However, there is still a long way to go before it can be fully accepted. Besides that, XRP is highly controlled by Ripple Labs, which still holds a large stash of XRP. These releases could negatively impact the price of XRP in the future. In 2025, XRP is expected to make some modest gains, which could be reversed if new legal challenges arise.
Mutuum Finance (MUTM) – Where The Real Gains Are
Mutuum Finance (MUTM) is a project built with intent and purpose. Its protocol design and the recent updates from the team prove this point. The Mutuum finance protocol is designed as a decentralized, non-custodial protocol where users can deposit funds to earn interest.
Interest rates are set based on pool utilization, which is determined by measuring the amount of assets borrowed from a pool versus the total assets in that pool. When borrowers take loans on Mutuum Finance, they must over-collateralize their position, which is used to safeguard liquidity on the protocol.
The Overcollateralization Metrics
Overcollateralization is managed through three key metrics, which are the loan-to-value (LTV) ratio, the liquidation threshold, and the stability factor.
The loan-to-value ratio is used to determine how much an asset used as collateral can borrow from a pool. For instance, ADA might be assigned an LTV of 75%, which means 1 ADA can borrow up to 0.75 ADA worth of value. This metric varies depending on various factors such as the trading volume, the total market cap, the volatility, and the overall safety rating of a project. Stable projects can borrow more when volatile assets like DOGE meme coin have an LTV set at around 40%.
The liquidity threshold is used to determine at what point a loan position becomes too unsafe to continue being viable. When a loan falls below this threshold, it is due for liquidation. Higher value coins like stablecoins will usually get assigned a much larger margin, while the same is set much lower for meme coins known to be volatile.
The stability factor is the final metric for liquidation. It determines the value of the adjusted collateral value versus the value of the loan; if it falls below 1, the loan is partially liquidated to stabilize the position. If it is above 1, it is sufficiently collateralized. When determining the adjusted value of the collateral, both the LTV and liquidity threshold assigned to each coin are checked.
When a loan is liquidated, liquidators buy the position at a discount and keep the discount as their profit. The incentives for liquidators are adjusted in real time to ensure that there is enough of an incentive to act fast and stabilize the entire ecosystem.
Mutuum Finance also plans to offer liquidity incentives to encourage more liquidity into the pools. That will ensure that, on top of the interest payments, liquidity providers will also receive MUTM token rewards. This system will be carefully controlled to ensure that it is in line with market levels to avoid capital outflows due to arbitrage trading.
Mutuum Finance Presale
MUTM tokens are currently available via the presale, which is in phase 5. Tokens in phase 5 are selling for $0.03 each. To participate in the presale, visit the presale dashboard and connect your wallet. So far, over 11,900 unique buyers have participated in the presale and are looking forward to the token listing at $0.06 per token.
The current presale price is a 200% increase from the phase 1 price of $0.01. In the upcoming phase, the presale price will rise by 16.67% to $0.035. You have an opportunity to make a 100% ROI in the current presale phase based on the listing price. In the upcoming phase, the ROI will drop to 71.43%.
Mutuum Finance (MUTM) represents your best opportunity to grow your investment by 2,000%. While the crypto market is expected to be positive overall, the main gains are not in the big market cap coins, but in presale coins like Mutuum Finance (MUTM).
For more information about Mutuum Finance (MUTM), visit the links below:
Website:
https://www.mutuum.com/
Linktree:
https://linktr.ee/mutuumfinance
