Mutuum Finance (MUTM) Raises $11.4 Million, Attracts Traders from BNB

As Binance Coin (BNB) continues to attract attention due to its exchange volume and market speculation, an increasing number of traders are shifting their focus towards an asset designed to generate actual financial yield.

Mutuum Finance (MUTM), currently in Phase 5 of its presale at $0.03, has raised over $11.4 million with more than 12,600 holders onboard. Unlike BNB, which remains dependent on centralized exchange performance, Mutuum Finance (MUTM) is building a decentralized ecosystem that delivers yield through real DeFi lending and stablecoin-backed borrowing.

With smart investors chasing both short-term gains and passive income, this protocol is rapidly becoming a new go-to.

A recent portfolio adjustment by a seasoned trader highlights exactly why even Binance Coin (BNB) whales are pivoting toward early-stage DeFi opportunities. After taking profits during a BNB rally, this investor allocated $40,000 into Mutuum Finance (MUTM) during Phase 3, when the token price was just $0.02. That early entry secured 2,000,000 tokens.

As the presale advanced to $0.04 pricing in later stages, the position doubled in value to $80,000, delivering a 2x increase of your position. But the strategy wasn’t simply about price appreciation. Once the platform goes live and the investor follows HODL strategy, a portion of this capital will also be able to be deployed into Mutuum’s stablecoin vaults, converting USDC deposits into mtUSDC tokens.

These mtTokens will automatically accrue yield as borrowers tap into the liquidity, creating a cash flow layer on top of the underlying token appreciation.

The stablecoin side of Mutuum Finance (MUTM) brings a powerful utility into the DeFi world. Unlike unstable algorithmic models, Mutuum’s stablecoin will only be minted when users borrow against overcollateralized assets such as ETH or BTC. The minting is governed tightly: only approved issuers will be able to generate new units, with hard-coded limits to control risk. When loans are repaid or liquidated, the stablecoin will be burned—keeping supply in check.

Price control will rely on interest-rate tuning and arbitrage incentives, maintaining a $1 target consistently. This mechanism will add liquidity without destabilizing the ecosystem. One core strength here is transparency. Everything—from the minting rules to liquidation protections—is executed via smart contracts. This ensures overcollateralized positions are continuously monitored, and if needed, liquidated in real time to stabilize the protocol.

It’s a direct response to what has failed in past stablecoin models—and it’s a key reason capital is flowing out of BNB and into a safer, revenue-generating ecosystem like Mutuum Finance (MUTM).

Mutuum Finance (MUTM) is built to reward capital at every stage. A user who deposits $15,000 worth of DAI into the protocol’s P2C (Peer-to-Contract) vault will receive mtDAI tokens in a 1:1 ratio. These tokens will appreciate automatically as borrowers draw from the vault, driven by utilization-based interest rates. If the vault sees heavy activity, annual returns on deposits can rise to around 13–15% (depending on pool utilization).

But the rewards don’t stop there. mtTokens will also be able to be staked into designated contracts where the protocol will periodically buy MUTM from the open market and distribute it to mtToken stakers. This secondary reward stream adds around 5% in annual dividends, pushing the total annual yield close to $2,000 for a $15,000 USDC deposit.

On the borrowing side, users will be able to lock up ETH, BTC, or other assets to access liquidity without selling. For example, someone with $1,000 in ETH will borrow up to $750 in stablecoins, depending on the loan-to-value ratio of the underlying asset. Borrowing terms will remain open-ended, with repayment allowed at any time, so long as collateral levels remain healthy.

The mtToken model is what drives this ecosystem. Each deposit returns an mtToken, which grows in value with time and can also be used as collateral, staked for dividends, or eventually traded. These tokens are ERC-20 compliant and non-custodial, giving users full control while allowing them to earn passively from both lending and staking activity.

Analysts now expect even more upside. With the beta version of the platform scheduled to launch around the same time as MUTM’s exchange listing, some forecasts are already projecting a price jump to $0.09 by September. That’s a 3× gain from today’s $0.03 presale price—a trajectory that is rapidly drawing attention away from legacy coins like BNB, which offer no direct returns to holders.

Mutuum Finance (MUTM) is no longer just a presale play—it’s becoming a full DeFi ecosystem with passive income, price appreciation, and protocol-backed utility. For those holding BNB and waiting for movement, the decision is clear. This is the only DeFi token delivering a double at $0.03—and with the price set to rise in the next presale phase, those who hesitate risk watching the next big gain slip away.