Bitcoin Nears $110K as Mutuum Finance Targets 65x ROI in 3 Months

Bitcoin is trading at $106,723.97 with a $2.10 trillion market cap, while Mutuum Finance (MUTM) is gaining traction in its presale, priced at $0.03 per token, with a potential 65x surge within three months. MUTM has raised $10.4 million and sold over 540 million tokens to 11,900 holders. Its innovative lending model and forthcoming stablecoin on Ethereum are attracting investors.

Bitcoin is currently trading at $106,723.97 with a market capitalization of $2.10 trillion, while Mutuum Finance (MUTM) is gaining significant traction in its presale. MUTM is priced at $0.03 per token, with a potential 65x surge within the next three months. The project has raised $10.4 million and sold over 540 million tokens to 11,900 holders. Its innovative lending model and forthcoming stablecoin on Ethereum are drawing investor interest.

Mutuum Finance (MUTM) has completed several milestones that underscore its potential. The token's presale has seen a 200% increase from its initial price of $0.01, with early supporters reaping significant profits. For instance, an investor who put $10,000 into Phase 1 now holds $30,000 worth of tokens, netting $20,000 in profit [1]. The project has also attracted over 11,800 holders and raised $10.20 million, indicating strong community support and credibility [1].

The Mutuum Finance protocol aims to address common DeFi issues such as network congestion and high fees by building on a Layer-2 solution. This choice will enable faster transactions and lower gas costs, making the platform more accessible and efficient for traders and lenders [1]. Additionally, the project plans to introduce a decentralized, overcollateralized stablecoin, which will be backed by on-chain collateral and have its supply adjusted algorithmically to maintain price stability [1].

Mutuum Finance (MUTM) offers users the opportunity to earn passive income through both P2C (pooled) and P2P (direct) lending models. In the P2C structure, users can deposit assets like ETH or DAI into lending pools that automatically adjust interest rates based on demand. For example, depositing $10,000 in ETH could earn up to 12% annually, while a $5,000 deposit in DAI could secure around 8% yearly [2]. The P2P model allows users to lend and borrow memecoins and trending tokens like PEPE, DOGE, and SHIB, opening up new market segments and attracting users from speculative communities [2].

The protocol features a buyback mechanism that redirects revenue toward token value appreciation. Holders who stake mtTokens gain access to passive dividends, creating a financial incentive to hold longer. Additionally, Mutuum Finance is built on a Layer-2 infrastructure, ensuring fast, low-cost transactions while avoiding the congestion that regularly slows down Ethereum-based DeFi protocols [2].

The next major milestone in Mutuum Finance’s roadmap is the launch of its decentralized, overcollateralized stablecoin. This stablecoin is backed by real on-chain assets locked within the protocol and will have its supply algorithmically adjusted to maintain price stability. Interest payments from the stablecoin lending process will flow directly back into the treasury, strengthening the ecosystem [1].

The team behind Mutuum Finance has completed a major portion of Phase 1 goals, including the initiation of the presale, a $100,000 giveaway, and the successful passing of an external CertiK audit for the MUTM smart contract [2]. The protocol is listed on major tracking platforms, and an AI-powered helpdesk has been implemented to support user onboarding. As development enters Phase 2, the platform is building out its core smart contracts, DApp interface, back-end systems, and advanced features, demonstrating a commitment to real progress [2].

Investors who commit now at the current price not only earn through token appreciation but also secure a position in one of the most dynamic, revenue-sharing, and community-focused DeFi ecosystems on the market. The next few phases of the presale will push the token price higher, squeezing the profit margin for latecomers. Entering now means locking in the last low-tier pricing before the sixth phase pushes the token to $0.035, a point where the same $1,000 investment delivers fewer tokens and smaller gains. Getting in at $0.030 is the sweet spot, low enough to see a 35x return as the token approaches $1 and beyond, and early enough to maximize staking rewards from mtTokens and buyback dividends [2].

References:
[1] https://cryptodaily.co.uk/2025/06/from-003-to-1-could-mutuum-finance-mutm-surpass-ethereum-eths-30x-rally-and-what-timeline-makes-sense-based-on-current-metrics
[2] https://www.ainvest.com/news/mutuum-finance-token-surges-200-presale-attracts-11-700-holders-2506/