What Crypto to Invest In During Q4 2025? Analysts Favor a DeFi Protocol With Utility

As Q4 2025 begins, investors across the market are reviewing their portfolios. This season is expected to shift focus from short-term speculation to long-term value. While many meme coins have faded, decentralized finance projects are taking center stage once again. For readers asking what crypto to invest in this quarter, analysts are highlighting Mutuum Finance (MUTM) as one of the most promising assets for this period. The project is built on measurable mechanics and clear revenue links rather than hype. With the DeFi sector regaining strength and investors seeking real use cases, Mutuum Finance (MUTM) is drawing strong attention as a utility-backed token that aligns perfectly with the new Q4 investment trend.

Mutuum Finance (MUTM) Presale Gains Traction

Mutuum Finance (MUTM) is in its Phase 6 presale round with strong momentum. The token is priced at $0.035 and has already attracted more than $17.5 million in funding. Over 17,400 investors have participated, and about 68% of this phase’s 170 million tokens are already sold. Once Phase 6 concludes, the price will automatically rise by 15% to $0.040, marking one of the final discounted rounds before public exposure. For many investors analyzing crypto prices this quarter, Mutuum Finance (MUTM) stands out as the best cheap crypto to buy now.

Building the Core of DeFi Utility

Mutuum Finance (MUTM) is designed to deliver practical decentralized lending solutions. It operates through two distinct models that cater to both conservative and high-yield investors. The Peer-to-Contract (P2C) system allows users to deposit stablecoins and blue-chip assets like ETH or USDT into automated liquidity pools, earning interest directly from protocol activity. The Peer-to-Peer (P2P) system opens a direct path for users to lend or borrow flexible, higher-risk tokens under agreed terms. Both systems are secured by over-collateralized smart contracts for maximum safety.

Mutuum Finance (MUTM)’s Version 1 of the protocol will launch on the Sepolia Testnet in Q4 2025, featuring liquidity pools, mtTokens, Debt Tokens, and Liquidator Bots. Together, these features position the platform as a real financial ecosystem rather than just another token launch.