Bitcoin (BTC)’s halving cycles have historically sparked massive rallies in altcoins, with Avalanche (AVAX) (AVAX) emerging as one of the biggest winners during the 2021–2022 boom. As we approach the next major crypto cycle in 2025, investors are searching for projects that could outperform established names like Avalanche (AVAX). Mutuum Finance (MUTM) , a Layer-2 powered decentralized finance platform, is attracting increasing attention for its unique features and strong presale momentum. Analysts suggest MUTM’s specialized lending models and innovative stablecoin could deliver returns that challenge or exceed AVAX’s impressive gains. Dual lending system and decentralized stablecoin power MUTM’s potential Mutuum Finance (MUTM) is building around a dual lending system that sets it apart from many DeFi platforms. The Peer-to-Contract (P2C) lending pools will allow users to lend stable and blue-chip assets with relatively low risk, earning steady returns. For example, lending $18,000 worth of LINK tokens at a 10.1% annual percentage yield could generate $1,818 per year in interest. On the other side, the Peer-to-Peer (P2P) lending model targets more volatile assets like memecoins. A borrower pledging $9,000 in PEPE tokens at a 58% loan-to-value ratio can receive a $5,220 USDC loan at 15% interest for a 75-day term, illustrating the flexible and dynamic nature of MUTM’s lending options. Integral to this model is Mutuum Finance (MUTM)’s fully decentralized upcoming stablecoin. Built to maintain a $1 peg through strict overcollateralization and governance-controlled interest rates, it will enable users to borrow and lend with confidence. The system will automatically adjust rates and trigger liquidations to ensure the stablecoin’s price stability, supported further by arbitrage incentives for market participants. This stablecoin will add a crucial layer of utility and security, driving user engagement and token demand. Moreover, users will be able to stake mtTokens — the platform’s interest-bearing tokens — in dedicated smart contracts to earn MUTM rewards. Future platform revenue will fund open market buybacks of MUTM tokens, which will then be redistributed to stakers, creating a sustainable ecosystem where long-term holders benefit from increased demand and reduced circulating supply. Strong presale momentum and a clear path forward Currently in Phase 6 of its presale, Mutuum Finance (MUTM) has already raised $14.3 million at a price of $0.035 per token. The project enjoys a strong community with more than 15,100 holders and has sold only 15% of Phase 6 tokens, leaving ample opportunity for new investors. However, the price will increase by 15% to $0.040 in Phase 7, making this phase the last chance to buy MUTM at a discounted rate. An example of the project’s growth potential is an investor who bought tokens in Phase 2 at $0.015 using Ethereum (ETH). That investor has already more than doubled their initial stake at the current price level. When the token lists at $0.06, its return will hit 300%, and with a projected 12x increase in the year following the listing, this investment will rival the early returns seen with Avalanche (AVAX). Mutuum Finance (MUTM)’s well-structured roadmap supports this promising outlook. Phase 1 focused on presale launch, marketing, and securing the CertiK audit. Phase 2 is developing smart contracts and analytics tools. Phase 3 will bring testnet releases, further audits, and exchange listing preparations. Phase 4 aims to launch the full platform with token claims, multiple exchange listings, bug bounty operations, and multichain expansions. The platform’s audit results reflect a strong security posture with a CertiK score of 95 and a Skynet score of 78, ensuring investor confidence. Additionally, a $100,000 giveaway and a $50,000 USDT bug bounty program are planned to incentivize community growth and robust security testing. Why MUTM could outperform Avalanche (AVAX) in 2025 Avalanche (AVAX)’s rise was driven by its broad platform capabilities, but as DeFi matures, targeted solutions like Mutuum Finance (MUTM)’s dual lending and stablecoin integration are gaining favor. MUTM’s ability to service both conservative and high-risk users with tailored lending models, combined with its sustainable tokenomics featuring staking rewards and protocol-funded buybacks, will set it apart from generalist competitors. With Bitcoin (BTC)’s halving historically triggering waves of innovation-driven growth, Mutuum Finance (MUTM) is positioned to capitalize on this momentum. The protocol’s upcoming unique features, solid security credentials, and aggressive roadmap execution are factors that could drive significant token appreciation in the coming years. Investors looking to capture returns similar to or greater than Avalanche (AVAX)’s 2021 surge should seriously consider Mutuum Finance (MUTM) as a strategic addition to their portfolio. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Could this $0.035 token beat AVAX’s 2025 returns? Analysts say yes appeared first on Invezz
