Mutuum Finance Enters Mainnet Phase Projects 600% Return as Presale Hits 7% Sold 15% Price Hike Looms

Mutuum Finance (MUTM), a decentralized finance (DeFi) project trading at $0.035, has entered a critical development phase as it prepares for a mainnet launch and expanded utility features. The protocol, currently in Phase 6 of an 11-phase presale, has raised $13.65 million with 14,600 token holders. At this stage, 7% of the total token supply has been sold, leaving room for further price appreciation ahead of the projected $0.06 public listing. Analysts are paying attention to its layered approach, combining stablecoin issuance, yield-generating tokens, and Layer-2 integration to address scalability and cost efficiency [1].

The project’s core innovation lies in its auto-yielding mtToken system, which allows users to deposit assets like ETH or USDT and receive mtTokens (e.g., mtETH) that accrue value over time. These tokens can be staked to earn MUTM rewards sourced from protocol buybacks, creating a demand-driven cycle for the native token. The upcoming beta launch of the mainnet and integration with Layer-2 solutions are expected to reduce gas fees significantly, enhancing transaction speeds and expanding accessibility for decentralized lending and borrowing [1].

Early-stage investors who participated in earlier phases have already seen substantial gains. A $750 investment during Phase 1 at $0.01 would now hold 75,000 MUTM tokens, valued at $4,500 if the token reaches its $0.06 listing price—a sixfold return. Projections suggest further upside, with analysts estimating a potential move toward $0.15 based on expanding decentralized lending activity, staking adoption, and mtToken-based reward mechanisms. However, these projections are speculative and depend on factors like total value locked (TVL) growth and user adoption post-launch [1].

Mutuum Finance is also redefining DeFi lending through dual models: P2C (peer-to-contract) for low-risk, overcollateralized loans and P2P (peer-to-peer) for flexible, user-driven agreements. The P2C model offers fixed APYs (e.g., 5.2% for ETH loans) via smart contracts, while the P2P model allows direct negotiations for volatile assets, protected by automated liquidation triggers. This hybrid approach aims to balance stability and innovation, catering to both conservative and risk-tolerant users [1].

Security assessments, including CertiK audit scores of 95.00 on Token Scan and 78.00 on Skynet (as of May 2025), have bolstered confidence in the project. Social media growth, with over 12,000 Twitter followers, also signals rising community engagement. However, the next phase of the presale will increase the token price by 15%, narrowing the window for early buyers to capitalize on the current $0.035 discount [1].

For investors seeking undervalued projects under $0.05, Mutuum Finance’s combination of sustainable utility, scalability improvements, and dual lending models positions it as a contender in the crowded crypto market. While the project’s success hinges on execution and adoption, its structured approach to demand generation and cost efficiency aligns with long-term DeFi trends.

Source: [1] "What’s the Best Cheap Crypto to Buy? This $0.035 Project Just Entered a Key Growth Phase" (https://coinmarketcap.com/community/articles/6889ee4588079a5c3275dbb8/)