The market has once again reminded investors of its volatility, with $1.8 billion in liquidations shaking sentiment across major assets. Events like this often drive retail participants to reconsider strategies, especially after experiencing the fallout of a crypto crash today. Rather than retreating, many are now shifting funds into structured DeFi protocols that promise resilience, transparency, and reliable yield generation. Among the names gaining traction is Mutuum Finance (MUTM), a presale-stage project being engineered to absorb capital flows in precisely these conditions.
$1.8B liquidations rock crypto market
The crypto market endured a massive $1.8 billion liquidation event on September 22, 2025, the largest long position wipeout of the year, affecting over 390,000 traders and erasing $150 billion from the total market cap, which fell to a two-week low of $3.95 trillion. Bitcoin (BTC) dipped below $112,000 on Coinbase, while Ethereum (ETH) slumped under $4,150, its sharpest correction since mid-August, with $501 million in ETH longs liquidated and Dogecoin (DOGE) leading losses at over 10%.Â
The cascade, 95% from overleveraged long positions, was triggered by technical factors like BTC’s failure to break $118,000 resistance and a bearish head-and-shoulders pattern, rather than fundamental weakness. Trading volume spiked amid the volatility, but BTC remains up 4% for September, historically a red month. Analysts view this as a necessary flush, potentially setting up an “Uptober” rebound, with RSI at 42 signaling oversold conditions. Support holds at $110,000 for BTC and $4,000 for ETH, but further downside to $103,000 and $3,800 risks if tariffs escalate.
Why Mutuum Finance (MUTM) is aligned with post-liquidation flows
Mutuum Finance (MUTM) is designed around dual lending rails, combining peer-to-contract lending for stablecoins and blue-chip tokens with peer-to-peer lending for higher-risk assets. Its system introduces a loan-backed $1 stablecoin, while mtTokens represent deposits and can also be staked to earn rewards. The revenue-driven buyback model adds another layer of value, as platform income will be used for open-market purchases of MUTM, with the acquired tokens redistributed to stakers. This structure, positioned for both retail and institutional participation, is why many are calling MUTM a protocol built for resilience in post-liquidation environments.
Mutuum Finance (MUTM) is in presale Phase 6 with tokens priced at $0.035. The presale has raised about $16.3 million so far, with 50% of the allocation already sold and more than 16,600 holders onboarded. The project has been audited by CertiK, receiving a TokenScan score of 90 and a Skynet score of 79. Its transparency is supported further by a $50,000 bug bounty program, a $100,000 community giveaway, and a growing following of over 12,000 on Twitter. Phase 7 will lift the token price to $0.040, a 15% jump that adds urgency for new entrants.
The mechanics of Mutuum Finance (MUTM) are aligned with the dynamics that often follow heavy liquidations. The first key demand driver is its reserve factor accumulation. As borrowing activity accelerates in the aftermath of market shakeouts, the reserve factor will collect a share of the interest, creating a growing on-chain buffer. This buffer is a deployable asset, enabling the protocol to fund incentives or insurance programs denominated in MUTM. Investors see this as a way to strengthen the ecosystem while building natural buying pressure on the token.
The second driver is Mutuum Finance (MUTM)’s calibrated loan-to-value ratios and liquidation thresholds. By setting borrowing caps and maintaining liquidation triggers around 70%, the protocol ensures that loan positions remain overcollateralized and that liquidity providers are protected from cascading losses. This control reassures investors who are looking for a safer destination after exiting unstable markets, creating confidence that retail flows can redeploy into higher-yield DeFi strategies without unnecessary risk.
The third pull factor is the stable-rate borrowing option, which will appeal directly to institutional treasuries and structured funds. In a market where volatility has once again proven disruptive, these participants are attracted to predictable costs. Stable borrowing rates guarantee steady volumes for the platform, supporting fee revenue and treasury growth, which in turn bolsters MUTM’s long-term value proposition. Together, these three mechanics establish Mutuum Finance (MUTM) as a protocol capable of capturing both retail redeployments and institutional commitments during seasonal rotations.
Mapping the 16x path with clear milestones
Investors are currently weighing whether Mutuum Finance (MUTM) can deliver a sustained 16x return this season. At today’s Phase 6 entry price of $0.035, the target sits at $0.56. This is not a random projection but a structured path built on capital rotations and platform features. After liquidation-driven exits, capital naturally seeks safer yield, and Mutuum Finance (MUTM) offers just that. The immediate post-liquidation surge in borrowing will boost reserve accumulation, which strengthens incentives and supports buybacks. The beta launch at listing will showcase live functionality, drawing new users and proving out the system in real time.
Layer-2 scaling will further enhance adoption by reducing costs and increasing transaction throughput, while top-tier exchange listings will make MUTM accessible to a much broader retail base. Together, these steps funnel capital into the ecosystem, reduce effective free float through staking and buybacks, and create the conditions for price to expand toward the $0.56 mark.
The investment arithmetic underscores the opportunity. A Phase-1 investor who committed $8,000 at $0.01 received 800,000 MUTM. At the current Phase 6 price of $0.035, that allocation is valued at $28,000. When MUTM reaches $0.56, the holding will be valued at $448,000, representing a 56Ă— return on paper. For those entering today, the math remains compelling. A $3,500 allocation at $0.035 secures 100,000 MUTM, which at $0.56 will be valued $56,000. These outcomes illustrate why traders are increasingly directing their attention away from legacy assets toward Mutuum Finance (MUTM).
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
DISCLAIMER – “Views Expressed Disclaimer – The information provided in this content is intended for general informational purposes only and should not be considered financial, investment, legal, tax, or health advice, nor relied upon as a substitute for professional guidance tailored to your personal circumstances. The opinions expressed are solely those of the author and do not necessarily represent the views of any other individual, organization, agency, employer, or company, including NEO CYMED PUBLISHING LIMITED (operating under the name Cyprus-Mail).