Mutuum Finance (MUTM) Presale Nears Sellout With 100% Gains

While the Solana (SOL) ecosystem continues to dominate the conversation in crypto circles with its flashy NFT ecosystem, a quieter force is building real wealth in the DeFi space. Mutuum Finance (MUTM), a Layer-2 powered lending platform still in presale, is rapidly nearing full sellout with its token price locked at just $0.03.

Unlike the speculative rollercoaster of NFTs, Mutuum Finance (MUTM) aims to create real utility for both lenders and borrowers. Its upcoming Peer-to-Contract (P2C) model is expected to allow users to deposit bluechip assets like ADA and earn passive income through mtTokens. For instance, an investor depositing $8,000 worth of USDT— assuming a 65% loan-to-value ratio — would receive 8,000 mtUSDT in 1:1, which could automatically accrue interest at a projected 8.8% APY. That’s an estimated $704 in passive returns, without ever needing to sell the USDT itself. This setup not only preserves upside exposure but may also help users avoid triggering taxable events.

On the other side of the equation, Mutuum Finance (MUTM) plans to offer Peer-to-Peer (P2P) borrowing using high-risk meme tokens like TRUMP, PEPE, and SHIB as collateral — assets often ignored by traditional lenders. In one possible scenario, a user could collateralize enough TRUMP tokens (valued at the time of deposit), borrow $20, and repay within 7 days at a competitive 25% APY. This model is designed to serve an underserved niche of meme-heavy traders with self-agreed terms and rates.

Mutuum Finance (MUTM) is now 87% sold out in its fifth presale phase, having already raised $12.8 million from over 13,800 holders. At just $0.03 per token, it’s a price point that hasn’t been seen since earlier phases — and won’t last long. Once Phase 5 closes, Phase 6 pricing is scheduled to jump 20% to $0.035. With its listing price set at $0.06, the upside potential is attracting retail and crypto analysts alike.

The project’s technical integrity has been independently verified through a full CertiK audit. With a Token Scan Score of 95 and a Skynet score of 77.5, Mutuum Finance (MUTM) has been assessed across manual and automated threat vectors. This strong security backing is already drawing praise from early investors.

Mutuum Finance (MUTM)’s stablecoin design sets the platform apart by enforcing strict controls on minting. Users can only mint the decentralized stablecoin by borrowing against overcollateralized assets, and the stablecoin is automatically burned when the loan is repaid or liquidated. Governance adjusts borrowing rates strategically to maintain the stablecoin’s tight peg to $1, ensuring long-term value stability and paving the way for broader DeFi integrations down the line.

While the NFT crowd mints jpegs, smart investors are minting mtTokens and securing yield-generating crypto positions. To reward its growing community, Mutuum Finance (MUTM) has launched a $100,000 giveaway, where ten winners will receive $10,000 worth of MUTM tokens. There’s also a $50,000 bug bounty program with CertiK, covering all four severity tiers for anyone able to find and report vulnerabilities in the system.

Early investors are already witnessing impressive gains. For example, someone who entered Mutuum Finance (MUTM) during Phase 2 with a $50,000 investment at a token price of $0.015 would now be sitting on $100,000 worth of tokens, as the current Phase 5 price stands at $0.03—a 100% return. Looking ahead to the projected $0.06 listing, that same position would be worth $200,000, representing a 300% gain even before public trading begins.

For those still sitting on the sidelines, the window is rapidly closing. Phase 5 is nearly full, and once it flips to Phase 6, the token price jumps from $0.03 to $0.035 — an instant 20% climb. With only a limited number of discounted tokens remaining, and the platform aiming to list soon after final audits and beta testing, now is the time to act.

NFTs may be trendy, but they’re rarely this consistent. Mutuum Finance (MUTM) combines DeFi mechanics, security audits, and real yield — all wrapped into a single under-$1 asset. Before July ends, this could be the last best buy under $0.03.