Bitcoin News Today: Mutuum Finance (MUTM) Presale Raises $13.85M Ahead of Token Listing and Beta Launch

Mutuum Finance (MUTM), a new entrant in the decentralized finance (DeFi) space, is drawing significant attention as it prepares for its token listing and beta launch. Unlike speculative or meme-driven tokens, MUTM offers a concrete utility-driven protocol built around a multi-layered financial system. At the time of reporting, MUTM is in the final phase of its presale, with the token priced at $0.035. Over $13.85 million has been raised so far, and with a 15% price increase planned for the next phase, investors are anticipating strong momentum [1].

The platform is designed to launch simultaneously with the token’s listing, integrating a range of functionalities including overcollateralized borrowing, mtToken staking, and an interest-bearing stablecoin. This timing strategy is aimed at generating immediate engagement and liquidity upon release. The platform’s Peer-to-Contract (P2C) model allows users to lend popular crypto assets like ETH or BTC into non-custodial pools, earning up to 7.8% APY. Borrowers can access liquidity via a 70% loan-to-value ratio without selling their assets, offering a flexible and capital-efficient option for users [1].

In addition to P2C, the platform will feature a Peer-to-Peer (P2P) lending system, enabling direct negotiations between users for more customized loan terms. This dual approach broadens MUTM’s appeal across both casual and sophisticated DeFi users. Smart contracts for the system have been audited by CertiK, achieving a Token Scan score of 95.00 and a Skynet score of 78.00, reinforcing the project’s credibility and security [1].

MUTM’s economic model is structured to create long-term value through deflationary mechanisms. Stakers earn passive rewards from protocol revenue and token buybacks, while the issuance of mtTokens adds a layer of token utility. The platform’s focus on real-world use cases—rather than speculative hype—has attracted a growing community of over 12,000 followers on Twitter and a $100,000 giveaway for early supporters [1].

As the project nears its listing on major exchanges such as Binance, KuCoin, and MEXC, market participants are closely watching for potential price movements. Some early adopters who invested in earlier phases have already seen returns of up to 3.5x, and the projected price jump to $0.06 in the next phase has fueled speculation that MUTM could reach $1 before Bitcoin (BTC) regains its all-time high. While this is a forecast, the convergence of listing activity, functional beta deployment, and growing user adoption suggests strong potential [1].

The broader crypto landscape is witnessing a shift in investor focus, with many seeking tokens that offer real-world utility rather than simply tracking Bitcoin’s performance. MUTM’s approach reflects this trend, emphasizing scalable infrastructure and secure financial tools. However, it is important to distinguish between actual developments—such as the completion of presale phases and exchange listings—and speculative price targets, which are not guaranteed [1].

Mutuum Finance’s strategic rollout, combined with its robust economic incentives and strong community engagement, positions it as a compelling alternative in the DeFi ecosystem. As the market continues to evolve, the ability of projects to deliver tangible value—rather than just speculative gains—will become increasingly critical [1].

Source: [1] Investors Eye $1 Potential as Mutuum Finance (MUTM) ... (https://www.mitrade.com/au/insights/news/live-news/article-3-1008041-20250804)