Mutuum Finance (MUTM) Presale Sees 50% Sold Out, 100X Return Predicted

Cardano (ADA) is projected to see a 20% increase by 2025, but for investors seeking more substantial gains, this may not be sufficient. The focus is now shifting towards Mutuum Finance (MUTM), a decentralized finance (DeFi) lending protocol currently in Phase 5 of its presale at $0.03, with over 50% of the tokens already sold out.

While ADA continues its gradual recovery, crypto investors are redirecting their capital into projects that offer higher risk-adjusted returns, with Mutuum leading this trend. Top analysts predict that MUTM could reach $3.00 post-listing, driven by its real-world DeFi lending utility, a beta platform going live at launch, and its structured presale model. This puts a 100X return on the table, turning a $2,000 investment today into $200,000. Those who entered during Phase 1 at $0.01 would be looking at $600,000+ if that same target is hit.

The price of MUTM is set to increase with each phase, rising to $0.035 in Phase 6, then $0.04, and eventually $0.06 by Phase 11. The later investors enter, the more they will pay and the less they will gain. Currently, at $0.03, Mutuum offers the kind of upside that ADA cannot match at this stage in the cycle.

Mutuum Finance (MUTM) is designed around two key lending structures: P2C (peer-to-contract) for established tokens like ETH or USDT, and P2P (peer-to-peer) for volatile assets such as DOGE or PEPE. These separate mechanisms serve different market profiles but are both governed by overcollateralized loan requirements that secure lenders and borrowers alike. The dual structure ensures capital efficiency while reducing risk across pools.

Upon depositing into the system, lenders receive mtTokens—interest-accruing digital receipts that also serve as collateral within the protocol. These mtTokens will play a critical role in the broader yield cycle. As users stake them in designated contracts, they will receive buyback rewards in MUTM funded by revenue generated through the lending platform. This incentivizes holding and builds liquidity without introducing inflationary pressure.

In addition to smart yield mechanics, Mutuum Finance (MUTM) will issue its own overcollateralized stablecoin, governed to stay as close to $1 as possible through automated minting and burning rules. The interest rate for borrowing this stablecoin will be adjusted through governance rather than market volatility, adding another layer of predictability for users who want to exit riskier assets during unstable periods.

Mutuum Finance (MUTM) is being built to operate on Layer-2 infrastructure, ensuring low-cost, high-speed transactions that are essential for real-time DeFi trading and staking. This addresses the common issues of congestion and high fees often experienced on Ethereum-based platforms.

The early groundwork for Mutuum Finance (MUTM) has already made it a standout among newer DeFi entrants. A full audit by CertiK—covering both static analysis and manual code review—has yielded high marks, including a TokenScan score of 95 and a Skynet score of 77. Alongside that, an active bug bounty has been launched to ensure code hardening before full deployment. These steps reinforce the platform’s security-first approach, which is crucial for serious capital participation.

According to the roadmap, Phase 3 will introduce the beta platform—complete with lending access and stablecoin utility—by the time the token officially lists. This offers first-movers a direct advantage, as they’ll enter the ecosystem before the broader public and centralized exchange users arrive. From that point forward, the platform is expected to transition into full utility in Phase 4, activating key functions including real-time borrowing, mtToken staking, and stablecoin deployment.

The $100,000 giveaway—split among ten early supporters—has already sparked considerable traction, building a community that has grown beyond 10,000 followers across social platforms. This base will continue to expand as new users realize that Mutuum Finance (MUTM) isn’t promising a hypothetical use case—it’s preparing to launch with the infrastructure already planned and audited.