Mutuum Finance (MUTM) Raises $11.3 Million, Attracts TRON Whales

Mutuum Finance (MUTM) is rapidly gaining attention as one of the most anticipated presales of Summer 2025, having already secured over $11.3 million and 12,600+ holders. The current price is locked at $0.03, but this is set to change soon as Phase 6 approaches, raising the price to $0.035. This marks a significant milestone in what is becoming one of the year’s most important and anticipated DeFi launches.

While TRON (TRX) has been a popular choice for utility-focused investors, its saturated ecosystem has led long-time holders to explore early-stage projects like Mutuum Finance (MUTM) for higher potential returns and greater flexibility. Several whale wallets from the TRON (TRX) community are already repositioning up to 50% of their long-held TRX portfolios into MUTM before Q3. One prominent investor has shifted $75,000—half of a $150,000 portfolio—into MUTM at the $0.03 level, with expectations of a 50x return. This investment targets a future valuation of $3.75 million, based on the real platform utility that Mutuum Finance (MUTM) is building ahead of its beta release.

Mutuum Finance (MUTM) offers decentralized lending through two powerful models: peer-to-contract (P2C) and peer-to-peer (P2P). The P2C model is designed for stable, high-liquidity assets like USDT, ETH, and SOL, enabling users to deposit into shared liquidity pools where interest rates will adjust automatically based on usage. This means passive income is directly tied to borrower demand. For example, a user who lends $15,000 in USDT through the P2C protocol will receive mtUSDT at a 1:1 ratio, with an estimated 20% APY, earning $3,000 by year-end. These mtTokens will also be stakable in designated contracts, making users eligible for passive MUTM dividend rewards as the protocol executes buybacks from revenue.

The P2P model, on the other hand, allows lending and borrowing of riskier assets, including meme coins like Pepe (PEPE) or Dogecoin (DOGE). Users can set their own terms—rates, durations, partial fills—allowing them to customize returns without depending on pooled liquidity. This opens up high-yield strategies while ensuring the platform’s core reserves stay insulated from volatile assets. Borrowers will also benefit, as they can use assets like ETH as collateral to borrow up to 75% of its value, retaining exposure to ETH’s future price growth while accessing instant liquidity. There will be no fixed repayment date, offering unmatched flexibility.

Mutuum Finance (MUTM) is preparing for a Q3 beta launch and is laying the groundwork for one of the most disciplined decentralized stablecoins in DeFi. This protocol-native coin will be minted only when users borrow against assets like ETH and burned when loans are repaid or liquidated. Interest rate governance will help keep its price close to $1, and arbitrage will enforce price stability. All loans will be overcollateralized, adding a critical layer of risk management. Security is also being taken seriously from day one, with a full audit already conducted by CertiK, resulting in a Token Scan Score of 95.00 and a Skynet Score of 77. The team has launched a $50,000 Bug Bounty Program in partnership with CertiK, rewarding vulnerabilities across four severity levels—from critical to low. This signals a real commitment to resilience before launch.

The roadmap also includes Layer-2 integration, making Mutuum’s transactions faster and cheaper than traditional DeFi protocols. This feature alone will attract users tired of congestion and high gas fees. To reward early believers, the team has launched a $100,000 giveaway where 10 winners will each receive $10,000 worth of MUTM tokens. For those looking to enter at a low price with high upside, the timing is ideal. A $4,000 investment at the current $0.03 price secures 133,333 MUTM tokens. At just a 25x return, that becomes over $100,000. With whales already moving from TRON (TRX) into Mutuum Finance (MUTM), and the beta app planned for release by the time the token goes live, this is not a token to watch—it’s a token to act on. By the end of Q4, those waiting for confirmation may find themselves priced out of the early-adopter window.