Best Crypto to Invest in October 2025: Analysts Favor MUTM’s Rapid Growth Over ADA
The crypto market is shifting focus from legacy Layer-1 tokens like ADA to platforms that deliver functional DeFi ecosystems. Analysts are now eyeing Mutuum Finance (MUTM) for its active and sustainable on-chain liquidity. Mutuum Finance (MUTM) combines Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending to power a flexible dual-layer system. Its practical approach to lending and stablecoins positions it as a contender in the current cycle, attracting attention from investors seeking reliable growth amid market volatility and sentiment swings captured by the crypto fear and greed index.
Presale Momentum and Investor Upside
Mutuum Finance (MUTM) is currently in presale Phase 6, priced at $0.035 per token, with 68% of the allocation already sold. The next Phase 7 will increase the price to $0.040, marking a 15% step-up. The total raised to date is approximately $17.4 million, with over 17,200 holders participating. The full token supply is 4 billion MUTM.
Early investors with $2,000 at $0.01 would hold $12,000 at $0.06, reaching over $20,000 as the platform gains traction. The live beta, dual lending model, and multi-chain architecture position MUTM as a leading new crypto for functional adoption, giving it a faster growth curve than ADA in this cycle.
In Q4 2025, team on X has announced the launch of the V1 of the protocol on Sepolia testnet. This release will enable ETH and USDT lending and collateral operations. The testnet launch will showcase the platform’s lending mechanics, attract early liquidity, and solidify confidence in MUTM as one of the best cryptocurrency to invest in this cycle.
Why MUTM is Preferred Over ADA
Mutuum Finance (MUTM) integrates dual lending for broader market reach. P2C pools handle major assets like BTC, and USDT, offering predictable returns to lenders. P2P pools will serve more volatile or niche assets such as SHIB, and TRUMP, enabling risk-adjusted lending and borrowing. This dual-layer system ensures continuous liquidity flow while attracting diverse investors. Analysts view this structure as a functional advantage over ADA, whose slower ecosystem expansion limits utility and borrowing innovation.
The lender experience is simple: users deposit assets into P2C pools and receive mtTokens representing their share plus interest. Borrowers can lock collateral like ETH to access liquidity in stablecoins, maintaining market exposure while leveraging assets. This setup creates a steady loop of lending and borrowing, building recurring demand for MUTM. For investors monitoring the crypto fear and greed index, Mutuum offers a structured opportunity in the aftermath of the $20B crypto crash, combining resilience with rapid upside potential.
A key driver for Mutuum Finance (MUTM) will be its overcollateralized decentralized stablecoin. Tokens are minted against collateral and burned upon repayment. Governance-controlled interest rates will maintain the $1 peg. This stablecoin ensures consistent liquidity cycling across P2C and P2P markets, independent of speculative trading. Traders and investors will use it to secure liquidity while holding other assets, boosting protocol activity and creating demand for MUTM. Unlike ADA, which lacks an internal stable asset, Mutuum’s stablecoin gives it a structural edge in sustaining ecosystem growth.
More Growth Drivers: Price Discovery and Oracle Reliability
Mutuum Finance (MUTM) will use Chainlink as the primary oracle, supported by fallback feeds and aggregated data. On-chain DEX metrics will supplement real-time pricing. Accurate valuations prevent wrongful liquidations and foster confidence among large lenders and borrowers. Reliable oracles will encourage higher liquidity and trading volume, resulting in greater MUTM utility.
This logical chain—accuracy, confidence, liquidity, higher borrowing, and token demand—supports sustained token appreciation. This setup provides a clear answer to investors tracking the $20B crypto crash recovery: Mutuum is structured for resilience while keeping growth momentum.
Analysts are projecting that Mutuum Finance (MUTM) will gain Tier-1 or Tier-2 exchange recognition shortly after launch. A crypto strategist who predicted ADA’s 2021 breakout now forecasts that MUTM will rise 10× within a year post-listing.
Security underpins Mutuum Finance (MUTM). The project will complete a CertiK audit, combining manual review and static analysis, scoring 90 on TokenScan and 79 on Skynet. The audit process ran from February to May 2025. A $50,000 bug bounty rewards participants for finding issues, scaling rewards by severity. This proactive approach ensures investor trust and positions MUTM as a reliable platform amid broader market swings, outperforming slower audit cycles in competing Layer-1 ecosystems.
Conclusion
A new reward feature has been added to the 24-hour leaderboard. Each day, the user who secures the top rank will earn a $500 MUTM bonus, provided they make at least one transaction during that 24-hour period. The leaderboard resets automatically every day at 00:00 UTC.
Analysts favor Mutuum Finance (MUTM) for its practical DeFi design, stablecoin utility, dual lending system, and security-first approach. Phase 6 is already 68% sold, and the next phase raises the price to $0.040. With its upcoming testnet, exchange prospects, and growing demand, MUTM is positioned to outpace ADA’s current growth trajectory. October 2025 may represent a last chance to acquire tokens before broader market recognition, making it one of the top crypto this cycle.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
