Mutuum Finance (MUTM) Presale Surges 20% as 73% of Phase 5 Tokens Sold

Investors are flocking to acquire Mutuum Finance (MUTM), a rapidly ascending decentralized finance (DeFi) project, with over 13,200 holders already on board. In just a few weeks, this lending protocol has amassed over $12.2 million in its Phase 5 presale, with 73% of the supply already sold at the $0.03 price mark. With only 27% of Phase 5 tokens remaining, the price is set to increase by 20% to $0.035, and later list at $0.06, positioning early buyers for immediate 2x upside and potential long-term 10x returns.

The enthusiasm is well-founded. Unlike many hyped tokens lacking practical use cases, Mutuum Finance (MUTM) is constructing a genuine Layer-2 ecosystem that integrates high-yield DeFi with scalable infrastructure. From seamless gas-free lending to its dual-model system—peer-to-contract (P2C) and peer-to-peer (P2P)—Mutuum Finance (MUTM) is poised to revolutionize how users borrow and lend digital assets.

Mutuum Finance (MUTM) will be particularly compelling due to its stablecoin foundation. This decentralized asset will be minted only when users borrow against overcollateralized crypto like ETH or AVAX. When the loan is repaid or liquidated, the stablecoin will be automatically burned, ensuring the supply remains tightly in sync with real borrowing activity. To maintain its price pegged at $1, the system will rely on governance-controlled interest rates and arbitrage incentives, ensuring long-term price stability without external dependency.

Each minting action will also support broader protocol utility. As users interact with the stablecoin system, transaction fees will feed into Mutuum Finance (MUTM)’s treasury—enabling MUTM token buybacks and staking rewards for users who lock mtTokens. The more stablecoins are used, the stronger and more self-sustaining the ecosystem will become.

Mutuum Finance (MUTM) will offer users access to two powerful DeFi lending frameworks. In the P2C model, users will supply liquidity to pooled smart contracts and receive passive income based on dynamic APY levels—adjusted automatically by pool utilization and market demand. In the P2P model, users will define their own lending agreements with customized rates and collateral types. These models will operate side-by-side, providing flexibility for both conservative and risk-tolerant investors.

This entire ecosystem will be deployed on Layer-2 infrastructure, dramatically reducing gas fees while increasing transaction speed and finality. The protocol’s roadmap includes upcoming beta testing, real-time collateral tracking, and smart contract automation—all of which will help accelerate its total value locked (TVL) once launched live.

When users supply assets into Mutuum Finance (MUTM), they receive mtTokens, such as mtUSDT or mtETH in 1:1, which represent both the initial deposit and accrued yield. These mtTokens automatically grow in value over time and can be staked into dividend-based smart contracts. The result is a compounding yield structure—users earn regular lending interest, and on top of that, dividends funded by real protocol revenue.

The entire mechanism is engineered to reward participation. As the stablecoin system grows and more loans are minted or repaid, the dividend pool expands. mtToken holders are at the core of this structure, creating long-term alignment with the success of the platform.

An investor who rotated $4,000 from SOL into MUTM during Phase 2 at $0.015 is now holding a position worth over $8,000 at today’s $0.03 price. With the listing scheduled at $0.06, the same holder is preparing for a 6x upside by launch and projections of 10x to 15x by 2026 as user activity and Layer-2 adoption scale upward.

Mutuum Finance (MUTM) has already garnered significant confidence from the crypto community. Its code has undergone full auditing by CertiK, with a Token Scan score of 95.00 and Skynet score of 77.5, placing it well above the average DeFi project in terms of technical readiness and transparency. A $50,000 bug bounty is currently running in partnership with CertiK, and an ongoing $100,000 giveaway is driving further traction. On social platforms, the project has crossed 12,000 followers on X (Twitter), further validating its early momentum.

This is not the time to hesitate. Phase 5 is nearly sold out, and once it closes, the token price permanently jumps to $0.035. For those seeking exposure before the next breakout, Mutuum Finance (MUTM) remains one of the few credible plays still available at ground-floor pricing. Lock in at $0.03 today—or watch the market leave you behind.