Market Slowdown Sparks Debate on What Crypto to Buy Ahead of the Year-End Rally

The market is cooling and investors are sharpening their screens to read the next ￰2￱ Finance (MUTM) will be presented as a utility-first DeFi project at the center of that debate, focused on lending, borrowing and reliable token economics rather than pure ￰3￱ crypto charts show mixed momentum and traders weigh safety versus upside, attention will shift to tokens that will provide real use cases and steady on-chain activity heading into a year-end ￰4￱ Momentum and P2C Lending Mutuum Finance (MUTM) will be selling tokens in Presale Phase 6 at $0.035, with around $16.3 million raised so far and more than 16,600 holders ￰5￱ of the 170 million allocation for this phase will already be sold by the time Phase 6 finishes, and the next phase price will step up to $0.040 — a 15% ￰6￱ presale momentum will attract investors who prefer early-stage access to utility-driven ￰7￱ the heart of Mutuum Finance (MUTM)’s offering will be Peer-to-Contract (P2C) lending pools where depositors will supply assets like USDT into audited smart contracts and receive mtTokens representing their share plus accrued interest.

A clear example: a depositor who will put $15,000 USDT into the USDT pool will receive mtUSDT at a 1:1 ratio and, assuming a 15% average APY based on pool utilization, will earn $2,250 in passive income over a 12-month ￰8￱ will have predictable options as well. A user depositing $1,000 worth of ETH as collateral will be able to borrow up to 75% of that value — $750 — enabling liquidity access without selling their ETH ￰9￱ model will answer the frequent investor question is crypto a good investment by offering a pathway to yield and utility rather than pure ￰10￱ presale pricing still accessible, MUTM will present a different risk-reward profile than tokens that rely solely on ￰11￱ Isolation, P2P Lending and Liquidation Mechanics Mutuum Finance (MUTM) will also separate riskier tokens into a Peer-to-Peer (P2P) ￰12￱ such as PEPE and DOGE will be isolated from core liquidity pools so lenders and borrowers can negotiate terms directly without exposing the main capital base to volatile ￰13￱ design will protect primary pools and preserve capital efficiency for bluechip and stablecoin depositors while offering higher returns for those accepting greater ￰14￱ rules will be conservative and clearly tiered.

Lower-volatility assets like ETH will support higher Loan-to-Value ratios — up to 75% — with liquidation thresholds set to provide meaningful ￰15￱ volatile or speculative tokens will be assigned much lower LTVs, generally in the 35 to 40% range, and will face stricter liquidation triggers closer to 65%. When collateral values fall below required thresholds, automated liquidation will occur and liquidators will repurchase outstanding debt at a discount, restoring protocol health quickly and preventing a wider systemic ￰16￱ approach is built to withstand negative market shocks and headlines about a crypto crash while keeping the pools solvent. A concrete investor story will highlight the presale upside: a Bitcoin holder who will have swapped $10,000 into Mutuum Finance (MUTM) during Phase 1 at $0.01 will see that position valued at $35,000 at the Phase 6 price of $0.035 — a 250% increase on ￰17￱ the time of a public listing at $0.06, that same holding will be valued at $60,000, a 500% ￰18￱ will project an 8x to 10x move after listing, pointing to two main demand levers: a beta launch that will onboard users to the lending and borrowing flows, and expected listings on major exchanges such as Binance, KuCoin and Coinbase that will expose MUTM to a much larger investor base.

Conclusion: A Defensive Yet Growth-Oriented Pick In a cooling market, Mutuum Finance (MUTM) will be framed as a defensive yet growth-oriented pick because it will combine yield-bearing deposit products, tiered risk controls and a separate venue for speculative ￰19￱ presale structure and planned progression toward broader exchange distribution will make MUTM attractive to investors who are re-evaluating their allocations amid volatile ￰20￱ traders and long-term holders who are seeking an entry that blends utility with upside ahead of a potential year-end rally, Mutuum Finance (MUTM) will offer a compelling alternative to simply chasing short-term ￰21￱ Phase 6 already half sold and Phase 7 priced 15% higher, the current window at $0.035 will stand out as a final discounted opportunity before the next step ￰22￱ more information about Mutuum Finance (MUTM) visit the links below: Website: ￰0￱ Linktree: ￰1￱ Disclaimer: This is a sponsored press release for informational purposes ￰23￱ does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial ￰24￱ Tabloid is not responsible for any financial losses.