Mutuum Finance (MUTM) Presale Raises $11.40 Million, Whales See 20% Gain

While Avalanche (AVAX) remains a key component in many decentralized finance (DeFi) portfolios, experienced investors are increasingly focusing on a lower-cap asset that shows significant potential for growth in 2025. This asset is Mutuum Finance (MUTM), a decentralized lending protocol currently in its presale phase, priced at $0.03, and attracting substantial interest from early adopters within the DeFi ecosystem. With over 12,700 holders and $11.50 million already raised, the quiet accumulation of MUTM tokens suggests a coordinated effort by investors anticipating major gains in the coming months.

Mutuum Finance (MUTM) is designed to integrate a future-ready Layer-2 architecture, aiming to reduce gas fees and transaction latency, thereby enhancing performance for both lenders and borrowers. This improvement is further bolstered by the upcoming launch of a native stablecoin, which will be overcollateralized and treasury-backed. This stablecoin will serve as the backbone for liquidity pools and reserve management, providing users with a more secure and scalable DeFi experience.

Mutuum Finance (MUTM) supports both P2C (peer-to-contract) and P2P (peer-to-peer) lending models, offering users a versatile borrowing and earning experience. In the P2C model, borrowers can deposit assets like ETH into smart contracts and receive mtTokens in return. This eliminates the need to match with a specific lender, allowing users to retain ownership of their collateral without a fixed repayment deadline. Additionally, users can stake their mtTokens to earn protocol rewards, creating a passive income stream tied directly to their borrowing activity.

In the P2P model, users can directly connect with one another through smart contracts, enabling personalized loan terms such as duration, interest rates, and collateral types. Lenders can select preferred borrowers and risk profiles, while borrowers can access more tailored liquidity. By combining both models, Mutuum Finance provides a comprehensive DeFi lending solution, offering instant, permissionless loans through P2C and customizable, market-driven agreements through P2P. This dual approach offers unmatched flexibility, capital efficiency, and utility across a wide range of user needs.

Community support for Mutuum Finance (MUTM) is growing organically as real investors recognize the protocol’s strong foundation. The presale has already raised $11.40 million, with over half of the current Phase 5 allocation already sold. This indicates confidence from both retail buyers and larger capital pools closely monitoring the DeFi space.

In just a few weeks, Mutuum Finance (MUTM)’s Twitter followers surged past 10,000, signaling rapidly accelerating retail interest. On-chain wallet data from the presale contract shows that a single whale address contributed $40,000 during Phase 4, securing over 1.6 million MUTM tokens at $0.025 each. With the token now priced at $0.03 in Phase 5, that whale is already sitting on a $48,000 position—a 20% gain even before launch.

As retail interest grows, early whales are positioning themselves ahead of the next price move. This isn’t just about speculative hype; there’s real engagement around the utility of MUTM and its future in shaping yield-based lending protocols. With 4 billion tokens in total supply and clearly defined use cases like protocol fee distribution and mtToken staking-based dividend rewards, MUTM’s token design is grounded in long-term value generation rather than quick flips.

To further fuel growth and reward early supporters, Mutuum Finance (MUTM) has launched a $100,000 giveaway, selecting 10 winners to receive $10,000 each. This campaign aims to amplify user engagement while giving back to those who’ve placed early trust in the platform’s vision.

This might be the last chance to grab MUTM tokens at $0.03. Once the current presale phase sells out, the price is expected to increase to $0.035, shrinking the window for early entry. Those who accumulate at current levels stand to benefit from both protocol growth and price appreciation as the roadmap unfolds.

According to analysts' forecasts, a strategic early investment in Mutuum Finance (MUTM) today could translate into substantial upside. For instance, an investor who allocates $1,200 at the current Phase 5 price of $0.03 secures 40,000 MUTM tokens. If the token reaches a 10x multiple—rising to $0.30, which analysts see as a conservative target based on platform fundamentals—that holding will be worth $12,000. And if the token stretches to a 15x return, hitting $0.45, that same position could grow to $18,000.

While AVAX continues to hold value in Layer-1 narratives, the upside in Mutuum Finance (MUTM) lies in its fusion of DeFi utility, strategic roadmap execution, and genuine user demand. With the next presale phase approaching and the protocol’s feature set expanding rapidly, the smartest move this summer may be to follow the quiet accumulation already in motion—and get in before the next price hike.