MUTM Surges 15% on Presale Momentum and Dual-Lending Model

The cryptocurrency market has spotlighted Mutuum Finance (MUTM) as a potential breakout asset ahead of August, with the token surging 15% in recent trading sessions. Priced below $0.05, MUTM has drawn attention for its dual-lending model and presale momentum, raising $13.6 million across 14,500 participants as it enters Phase 6 of an 11-phase offering [1]. The project’s P2C (Peer-to-Contract) and P2P (Peer-to-Peer) lending frameworks aim to differentiate it from generic DeFi protocols by offering audited smart contracts and risk-managed exposure.

The P2C model allows users to deposit stablecoins like USDT into transparent smart contracts, generating interest-accruing mtTokens. Borrowers can leverage overcollateralized loans, such as posting $2,500 in SOL to access $1,875 in USDT at a 75% loan-to-value ratio, without selling long-term holdings. This model emphasizes systemic stability through a Stability Factor to manage liquidation thresholds [1]. Meanwhile, the P2P segment targets higher-risk tokens like PEPE, DOGE, and SHIB, enabling direct negotiations between lenders and borrowers while remaining isolated from P2C pools to prevent systemic risks [1].

Presale data highlights rapid adoption, with 5% of tokens in Phase 6 sold at $0.035 per unit. Phase 7, set to increase the price to $0.040, marks a 15% jump, creating urgency for investors. Early buyers in Phase 1, who purchased at $0.01, have seen over 200% returns, with one investor converting a $2,000 PEPE stake into $7,000 in MUTM within the presale [1]. The project’s CertiK audit, scoring 95.00 on Token Scan and 78.00 on Skynet, along with a $50,000 bug bounty program, underscores its security focus [1].

Analysts note that MUTM’s utility-driven design—offering passive income for lenders and liquidity for borrowers—could drive sustained demand. The token’s presale velocity, with phases selling out quickly, aligns with growing social engagement, including 12,000+ Twitter followers and a planned beta launch coinciding with the token’s market debut [1]. However, the project’s success hinges on execution risks, as untested protocols often face volatility.

Investors are advised to weigh the 13.5% APY projection for P2C lenders and the potential 500% return-on-investment if the token lists at $0.06. These figures remain speculative, as presale participation does not guarantee post-launch performance [1]. The project’s roadmap includes a $100,000 giveaway from the protocol treasury, though such incentives should not overshadow its core value proposition.

With only 170 million tokens available in Phase 6—representing 4.25% of the 4-billion total supply—the window for low-cost entry narrows. Market observers suggest the current price point could represent a critical inflection, balancing risk and reward for those aligning with DeFi’s evolving utility-first trends [1].

Source: [1] [Top crypto pick before August? This under-$0.05 gem just surged 15%] [https://invezz.com/news/2025/07/28/top-crypto-pick-before-august-this-under-0-05-gem-just-surged-15/]