Mutuum Finance (MUTM) Raises $11.4 Million, Offers 18-20% Annual Yield

Sui (SUI) has been underperforming, leading many early investors to shift their portfolios towards new-generation DeFi projects that offer actual yield. One of the most talked-about projects in this rotation is Mutuum Finance (MUTM), currently in its Phase 5 presale at $0.03, with over $11.4 million raised and a community of more than 12,600 holders. Unlike SUI, which has yet to deliver utility-backed returns, Mutuum Finance (MUTM) is positioning itself as a yield-first protocol that rewards both lenders and stakers while maintaining security and scalability through Layer-2 infrastructure.

Mutuum Finance (MUTM) is developing a decentralized liquidity protocol that allows users to lend their crypto assets or borrow against them while retaining ownership. In the protocol’s Peer-to-Contract (P2C) model, depositors provide stablecoins like DAI, USDC, USDT and known coins like SOL, ETH, BTC into a collective pool and receive mtTokens, such as mtDAI, mtSOL in return. These mtTokens will grow in value as borrowers access liquidity, generating an average annual yield of 13–15%, which will vary depending on pool utilization. Users who stake their mtTokens into designated contracts will become eligible for protocol-generated passive dividends. A portion of fees collected from borrowers will be used to buy back MUTM tokens from the open market, distributing them to mtToken stakers. This additional reward layer brings total expected returns to approximately 18–20% annually, without requiring users to manually reinvest or compound. For example, a user who deposits $12,000 worth of DAI will earn between $1,560 and $1,800 in passive income yearly, and staking those mtDAI tokens could push total returns close to $2,400.

Unlike platforms that rely on speculative demand, Mutuum Finance (MUTM) rewards capital providers directly through real protocol usage. Borrowers will lock assets like ETH, BTC, or stablecoins as collateral and access loans based on predefined loan-to-value ratios. For instance, someone with $1,000 in ETH will be able to borrow up to 80% of its value without selling their ETH—keeping upside exposure while gaining liquidity. These mechanics aren’t going unnoticed. A known DeFi investor recently rotated $25,000 from Sui (SUI) into Mutuum Finance (MUTM) during Stage 3 of the presale. At the current Phase 5 price of $0.03, that early position is already up 1.5X and showing strong upside as the token approaches listing with a full platform beta launch planned.

Mutuum Finance (MUTM) is stacking advantages where older platforms are falling short. First, the team is building the protocol with Layer-2 integration, which will bring faster and cheaper transactions for both lending and borrowing. This addresses one of the biggest limitations in traditional DeFi platforms: costly gas fees and slow transaction times. With Layer-2 efficiency in place, Mutuum is preparing for high user throughput without sacrificing affordability. Alongside this, the project’s security posture has been validated through a full CertiK audit. With a Token Scan Score of 95.00 and a Skynet Score of 77, Mutuum Finance (MUTM) has already demonstrated transparency and commitment to secure development. To further reinforce this trust, the protocol has launched a $50,000 Bug Bounty Program in partnership with CertiK. Covering four vulnerability tiers, the bounty ensures that any exploitable issues are caught and resolved ahead of launch—giving investors an added layer of confidence.

The ecosystem doesn’t stop there. Mutuum Finance (MUTM) is preparing to issue its own decentralized stablecoin—minted only when users borrow against overcollateralized positions and burned upon repayment or liquidation. With interest rates governed by protocol governance, this stablecoin will aim to maintain a 1:1 peg with the U.S. dollar, adding depth and utility to the lending structure. For those entering at the current $0.03 price, the upside remains significant. A $6,000 investment now, with the token reaching $0.75—a realistic 25× multiplier based on market modeling and platform growth—would return $150,000. And with Phase 6 priced higher, that entry point won’t last. This summer, smart money isn’t sitting on low-return assets—it’s actively rotating into working ecosystems. Mutuum Finance (MUTM) is proving that passive income, protocol-backed utility, and growth potential can exist in one package. Before the next phase pushes the price higher, it’s time to act or risk joining the regret crowd.