Mutuum Finance (MUTM) Raises $11.3 Million in Presale, 50% of Phase 5 Tokens Sold

As July approaches, investors are increasingly focusing on security-first decentralized finance (DeFi) platforms in search of the next breakout token. Mutuum Finance (MUTM), currently priced at $0.03, is emerging as a top contender among early investors. The project, now in Phase 5 of its presale, has already raised over $11.3 million and attracted more than 12,600 holders. Nearly 50% of the tokens allocated for this round have been sold, and with the next price increase expected in Phase 6, the current entry point of $0.03 is likely to be short-lived.

Mutuum Finance (MUTM) distinguishes itself from the multitude of whitepaper-based ideas through its institutional-grade approach to security. Backed by a comprehensive CertiK audit and a live $50,000 Bug Bounty Program, the protocol demonstrates the level of preparation typically seen in major protocols. For investors seeking passive income, collateralized borrowing, and a potential 3x breakout, Mutuum Finance (MUTM) is becoming a standout choice.

The crypto space is known for its flashy launches, but few early-stage DeFi protocols prioritize security as much as Mutuum Finance (MUTM). The project has undergone a thorough audit by CertiK, resulting in a Skynet Score of 77 and a Token Scan Score of 95. Following the audit, the team launched a live Bug Bounty Program with $50,000 in rewards to enhance code resilience. Each bug tier—critical, major, minor, and low—has specific rewards, indicating a serious commitment to addressing potential risks.

This emphasis on secure infrastructure will be crucial as the platform transitions into beta. By the time the token goes live, the beta platform will already be operational, providing early utility for borrowers, lenders, and passive income seekers. The lending model will include both P2C (peer-to-contract) and P2P (peer-to-peer) options. Through the P2C system, users can deposit major assets like USDT or ETH and receive mtTokens—on-chain representations of deposits that grow in value with interest.

For example, depositing $20,000 in USDT will issue 20,000 mtUSDT. If the average pool APY is around 15% (depending on pool utilization), that user will earn $3,000 per year without actively managing the position. Since mtTokens accumulate interest automatically, this model offers a hands-free income stream.

On the borrower side, Mutuum Finance (MUTM) offers flexible liquidity options without requiring users to sell their holdings. A user holding $5,000 worth of PEPE can borrow against it directly in the P2P market, retaining their asset exposure while accessing usable funds. Because all loans are overcollateralized, the platform maintains stability while providing flexible, on-chain credit.

Investors are rushing to buy at the current price of $0.03 as the cost of entry is increasing. In Phase 1, $10,000 would have secured over 500,000 MUTM tokens. At the current Phase 5 price of $0.03, the same investment buys 333,333 tokens. Once Phase 6 begins, this number will drop further. Those who lock in now and hold through launch are positioning themselves for 3x gains—turning that $10,000 into $30,000. Waiting until the next phase means buying fewer tokens and seeing smaller multipliers on the same capital.

Unlike hype-based tokens, the price drivers for Mutuum Finance (MUTM) are fundamentally tied to adoption and protocol usage. With lending, mtToken staking, and treasury-driven buybacks built into the token model, value creation scales with the platform’s growth. Each roadmap phase—from beta launch to stablecoin, Layer-2 integration, and taking—adds new layers of utility for users.

To reward early believers, the team is running a $100,000 giveaway. Ten participants will be selected to receive $10,000 worth of MUTM tokens, reinforcing that early supporters will get more than just price upside. For many investors, this is a rare opportunity to join a security-audited, income-generating protocol before the wider market takes notice.

With smart contracts reviewed by CertiK, a live bug bounty program, and borrower functionality set to go live in beta, Mutuum Finance (MUTM) stands out as one of the few DeFi projects ready for real adoption. As Phase 5 nears completion, now is the time to act—because once this token enters Phase 6, its $0.03 price tag will be history.