Mutuum Finance Raises $11.4 Million in Presale, Attracts 12,700 Holders

Mutuum Finance (MUTM) is emerging as a strong contender in the cryptocurrency market, particularly as it enters Phase 5 of its presale, priced at $0.03. This DeFi token has already garnered significant attention, raising $11.4 million and attracting over 12,700 holders. Unlike Solana (SOL), which relies heavily on network activity and ecosystem optimism, Mutuum Finance is backed by a robust yield strategy and Layer-2 scaling, offering both financial upside and a unique infrastructure.

Investors are increasingly drawn to Mutuum Finance for its potential to generate actual income, rather than relying solely on market momentum. The current presale round provides an opportunity for investors to enter at an undervalued stage, with expectations that the price will rise in the next phase. This makes Mutuum Finance a strategic low-cap buy as the market heads into Q3.

One notable move involved a seasoned Solana holder who reallocated $50,000 into Mutuum Finance during the early presale rounds. This investor, who had already captured strong returns from SOL’s prior rally, sought to diversify into a platform designed for consistent, yield-driven growth. By entering at $0.02, the investor secured 2,500,000 tokens, which doubled in value to $100,000 as the presale advanced to $0.04, all before any centralized exchange listing.

Mutuum Finance’s design appeals to both depositors and stakers. Depositors who supply $10,000 worth of ETH into the P2C vault receive mtETH tokens in a 1:1 ratio, which grow automatically with interest based on pool utilization. As vault demand rises, APYs can reach 13–15%. Additionally, mtTokens are eligible for secondary dividends, allowing users to receive MUTM token distributions purchased by the protocol using revenue from loan activity. This combined return pushes the total annual yield to nearly 20%, significantly outperforming Solana’s fixed staking yield.

Mutuum Finance offers a multi-layered income mechanism. While SOL holders are locked into a single reward stream, MUTM depositors earn from lending, staking, and the protocol’s upcoming token buyback model, which supports long-term holders with periodic distribution cycles.

Beyond its passive income structure, Mutuum Finance is being built for practical usage. The beta platform is scheduled to launch alongside the public listing of the MUTM token, aligning product with token utility from the beginning. Layer-2 integration is part of the development pipeline, ensuring lower costs and faster speeds for all transactions. The protocol’s decentralized stablecoin, pegged to the dollar, will be minted when users borrow against assets like ETH or BTC and burned when loans are repaid or liquidated. This stablecoin will use interest-rate adjustments and arbitrage mechanisms to stay close to its $1 peg, making it a trustworthy liquidity tool within the Mutuum ecosystem.

Security is a top priority for Mutuum Finance. A full CertiK audit has been completed, with a Token Scan Score of 95.00 and a Skynet Score of 77. A $50,000 bug bounty program is live, rewarding anyone who helps improve the platform’s safety. Additionally, a $100K giveaway is running to strengthen community growth.

Analysts tracking presale metrics are forecasting a potential move to $0.09 by the end of Q3, suggesting a 3X return from current levels. Unlike Solana, where value depends heavily on external developer activity, Mutuum’s growth will be directly tied to protocol usage and yield delivery. As Solana climbs off the back of ecosystem momentum, Mutuum Finance is charting a different path—one grounded in stablecoin innovation, passive income, and smart capital flows. With Phase 5 still open at under $0.04, this entry point offers one of the strongest asymmetric bets heading into the next quarter.