Mutuum Finance Surges 250% as DeFi Presale Gains Momentum

Mutuum Finance (MUTM) is emerging as a strong contender in the cryptocurrency market, drawing comparisons to Chainlink (LINK) in its 2018 early days but with more immediate traction and utility [1]. At just $0.035 per token during its Phase 6 presale, MUTM has already attracted over 14,800 holders and raised more than $14.10 million, offering a compelling entry point for early adopters [1]. The project has built a dual-model lending framework designed to serve different segments of the DeFi market, combining the stability of smart-contract-based lending with the flexibility of peer-to-peer arrangements [1].

The first model, Peer-to-Contract (P2C), allows users to deposit blue-chip assets like AVAX, ETH, and USDT into audited smart contracts in exchange for mtTokens, which represent a 1:1 share of the deposited asset and accrue interest over time. For example, a $12,000 AVAX deposit could generate $1,152 annually in passive income at a 9.6% APY [1]. The mtTokens also serve as collateral, adding a second layer of utility to the capital.

For users looking to maintain exposure to their crypto holdings while accessing liquidity, the P2C model also allows for borrowing stablecoins based on a 65% Loan-to-Value (LTV) ratio. This feature enables users to leverage their positions without fully committing to cashing out [1]. Meanwhile, the second model—Peer-to-Peer (P2P)—caters to riskier assets such as meme tokens like DOGE or SHIB. Here, lenders and borrowers negotiate terms directly through smart contracts, enabling greater flexibility and potentially higher yields for those willing to take on more risk [1].

Safety remains a priority across both models. Every loan must be overcollateralized and backed by a Stability Factor that monitors the health of the collateral. In the event of a position weakening, the protocol initiates liquidation, allowing third-party participants to purchase the debt at a discount while ensuring overall solvency [1].

Currently in Phase 6 of its presale, MUTM is priced at $0.035 with a 10% allocation already sold. The price is set to rise by 15% to $0.040 after the phase concludes, marking a final opportunity for investors to acquire tokens at the discounted rate [1]. With over 12,000 followers on Twitter and growing daily, the platform is also undergoing an extensive CertiK audit with a Token Scan Score of 95.00 and a Skynet Score of 78.00, further reinforcing its credibility [1].

To ensure robust security, the platform has launched a $50,000 bug bounty program with reward tiers ranging from $200 for low-severity issues to $2,000 for critical findings [1]. Additionally, a $100,000 giveaway is rewarding early adopters with ten winners each receiving $10,000 worth of MUTM tokens. These community-driven initiatives are helping to build a loyal holder base and drive organic growth [1].

Early investors who swapped BTC, SOL, or ETH in Phase 1—when MUTM was priced at $0.01—have already seen 250% gains at the current price of $0.035 [1]. The projected public listing price of $0.06 suggests further upside potential, especially with the platform’s upcoming beta release and anticipated listings on major exchanges such as Binance, MEXC, and Coinbase [1].

With structured infrastructure, measurable adoption, and growing institutional-grade security measures, MUTM appears to be addressing the key shortcomings that delayed Chainlink’s (LINK) initial momentum [1]. As more users begin interacting with the platform and as centralized exchanges show interest, market demand is expected to surge, making MUTM a compelling opportunity for those looking to capture early-stage growth in the DeFi space [1].

Source: [1]August’s Best Undervalued Crypto, Stronger Early Traction Than Chainlink (LINK) in 2018 (https://timestabloid.com/augusts-best-undervalued-crypto-stronger-early-traction-than/)