MUTM surges 16.67% in Phase 6 as presale hits $13.5M outpacing SHIB roadmap speculation

Mutuum Finance (MUTM) has emerged as a focal point in the decentralized finance (DeFi) sector, with its structured roadmap and hybrid lending model sparking comparisons to Shiba Inu (SHIB). The project’s phased development, which includes presale milestones, smart contract audits, and a Layer-2 infrastructure rollout, positions it as a project prioritizing scalability and security. Currently, MUTM is in Phase 6 of its token distribution, with the price rising to $0.035 from $0.03 in Phase 5, as the 170 million tokens at the higher price point begin trading. This shift has intensified speculation about whether MUTM could follow a trajectory from $0.035 to $1, a potential growth path often benchmarked against SHIB’s roadmap [1].

MUTM’s roadmap outlines four phases of development. Phase 1 has already delivered key achievements, including presale launch, marketing campaigns, and a CertiK security audit. Phase 2 focuses on core product development, including smart contract infrastructure and risk controls, while Phase 3 will finalize the platform through beta testing and regulatory compliance. The final Phase 4 aims to deploy the live platform, facilitate token listings, and expand cross-chain capabilities. This phased approach has drawn attention for its emphasis on institutional partnerships and sustainable growth [1].

A key differentiator for MUTM is its Peer-to-Contract (P2C) lending model, which allows users to deposit blue-chip tokens into audited smart contracts and receive wrapped mtTokens in return. These mtTokens can be staked to earn MUTM rewards, which are funded by protocol revenue rather than inflationary mechanisms. For volatile tokens, MUTM also introduces a Peer-to-Peer (P2P) lending model, enabling direct lending for assets like FLOKI and SHIB without relying on pooled capital. This dual architecture is designed to isolate high-risk assets from the core liquidity pools, mitigating systemic risks [1].

The project’s presale has raised $13.5 million, attracting over 14,300 token holders. A $50,000 bug bounty program and a 95.00 Token Scan score from CertiK highlight its security focus. However, the transition to Phase 6 has created urgency among investors, as the remaining tokens at $0.035 are expected to sell out quickly. Analysts note that similar token models often see price surges when lower-priced tiers deplete, though MUTM’s $1 target remains speculative [2].

While SHIB relies on burning mechanisms to reduce supply, MUTM’s phased pricing model creates controlled scarcity through incremental price hikes. Proponents argue this could lead to more predictable appreciation than SHIB’s inflationary-to-deflationary approach. However, the market must still validate these theories, as no concrete data supports a $1 valuation at this stage [1][2].

Market reactions to MUTM’s price movements have been mixed. On July 15, 2025, reports suggested a potential 20% surge as Phase 5 tokens neared exhaustion, driven by speculative trading. Such volatility underscores the risks of overbought conditions and rapid corrections. Investors are advised to assess MUTM’s fundamentals, including its lending use cases and Layer-2 deployment, rather than relying solely on hype-driven forecasts [2].

The presale’s limited supply at each price tier has become a strategic lever for MUTM’s price dynamics. For example, an investor who acquired 200,000 tokens at $0.01 during Phase 1 would see their holding value rise to $6,000 at $0.03, $12,000 at $0.06, and $200,000 if the token reaches $1. These projections, however, depend on future price action and broader market adoption [1].

Critically, MUTM’s roadmap emphasizes real-world utility, such as staking rewards and cross-chain expansion, to drive long-term value. The project’s Layer-2 infrastructure, which promises low gas fees and fast transactions, further distinguishes it from Layer-1 competitors. Yet, the success of these initiatives hinges on execution and regulatory clarity in the evolving DeFi landscape.

Source: [1] [From $0.035 to $1? MUTM’s roadmap looks more bullish than SHIB’s] [https://invezz.com/news/2025/07/26/from-0-035-to-1-mutms-roadmap-looks-more-bullish-than-shibs/] [2] [Next phase unlocks at $0.035, this might be your last shot...] [https://invezz.com/news/2025/07/26/next-phase-unlocks-at-0-035-this-might-be-your-last-shot-at-0-03-mutm-as-just-1-left/]