Mutuum Finance (MUTM) Price Set to Jump 20% in Next Phase

As the broader crypto market experiences shifts in investor sentiment, Toncoin (TON) has faced bearish pressure, dropping to $2.95. This decline has sparked discussions about its long-term trajectory. Meanwhile, a new decentralized finance (DeFi) coin, Mutuum Finance (MUTM), has garnered significant attention, particularly among retail investors. Currently in Phase 5 of its presale and priced at $0.03, Mutuum Finance is attracting investors seeking functional DeFi tools, real yields, and long-term growth potential.

Mutuum Finance (MUTM) is a decentralized, non-custodial lending platform that supports both peer-to-peer (P2P) and peer-to-contract (P2C) lending models. This platform offers flexible access to capital markets directly on-chain. Over 13,000 holders have already joined the ecosystem, and with 68% of Phase 5 tokens sold, interest is rapidly increasing. The next phase, Phase 6, is expected to see a 20% price jump, with tokens selling at $0.035.

TON's price has been under pressure, trading at $2.95 with a market cap of $7.5 billion, down 1.5% from the previous week. The bearish pressure is indicated by a descending triangle pattern, a 3.2% daily drop, and a 20% decline in active addresses to 2.8 million. Despite support from Telegram’s NFT trading for its users, a bearish MACD crossover and an RSI at 44 suggest a potential drop to $2.50 if the $2.80 support level fails. However, a bullish flag on the 12-hour chart and the UAE’s Golden Visa integration hint at a potential 1.5x rally to $4.25, though resistance at $3.00 and whale sell-offs pose risks.

Mutuum Finance (MUTM) is gaining traction because it allows users to lend, borrow, or stake assets in an efficient and transparent system. Unlike many DeFi platforms that cater primarily to whales or developers, Mutuum is designed to be retail-friendly from the start. The protocol introduces two models: P2C lending, where users can deposit stablecoins like USDT or known assets like ETH and earn passive income; and P2P lending, which allows users to arrange customized loans based on their specific needs and token preferences. For example, a user needing $1,000 could use $2,000 worth of SHIB as collateral through the P2P model, accessing capital without selling their holdings and retaining full upside exposure while getting the liquidity they need. For those focused on yield, the P2C pools will offer exposure to mtTokens, which represent user deposits and automatically grow in value as interest accumulates.

The upcoming Beta Launch of Mutuum Finance is fueling the current frenzy. Scheduled to go live alongside the token listing, the beta version will allow early supporters to explore the full suite of tools, including lending dashboards, custom loan negotiations, and staking features for mtTokens. This live experience will give users a glimpse into the full power of the protocol before it hits the broader market. Additionally, a $100,000 giveaway is currently underway, with ten early supporters each set to win $10,000 worth of MUTM tokens, further incentivizing traders to get involved before the end of the presale.

Security is a top priority for the Mutuum Finance team. A comprehensive audit has been conducted by CertiK, one of the industry’s most respected firms. The team has also launched a $50,000 Bug Bounty Program to reward white-hat hackers who report any vulnerabilities. The bounty is divided across four tiers—critical, major, minor, and low—to ensure that every level of feedback gets acknowledged and rewarded. To support high volumes and minimize user costs, Mutuum will launch with Layer-2 integration, drastically improving transaction speed and reducing gas fees, solving one of DeFi’s biggest headaches for everyday users. From staking to borrowing, every action will be faster, cheaper, and more scalable than traditional Layer-1 models.

Retail traders are responding quickly to Mutuum Finance. One early investor who entered during Phase 2 with just $1,200 has already doubled their holdings as the token moved through multiple presale rounds. With a listing price set at $0.06, and analysts projecting movement toward $0.30 by Q4, that same investment will surge to $12,000 before the year ends. The buzz around Mutuum Finance is growing louder each day, and it’s not just hype—it’s grounded in product readiness, token utility, and investor incentives. As TON struggles under bearish weight, the market is making one thing clear: utility-driven projects with strong fundamentals are leading the next wave. And right now, that wave starts at $0.03 with Mutuum Finance (MUTM), but the price tag won’t last forever.