Mutuum Finance (MUTM) Raises $12.2 Million in Presale Phase 5, 20% Price Jump Imminent

Polkadot (DOT) has seen a decline in momentum, leading investors to explore other cryptocurrencies for potential breakouts. One such cryptocurrency gaining traction is Mutuum Finance (MUTM), a decentralized lending protocol currently in its presale Phase 5, priced at $0.03. Over $12.2 million has been raised, with 73% of this round sold, and the next 20% price jump to $0.035 is imminent.

Mutuum Finance (MUTM) offers more than just hype; it provides a comprehensive DeFi lending suite, a robust token-based yield system, and smart contract-based stability. With a total supply of 4 billion tokens, a Token Scan score of 95.00, and a CertiK Skynet score of 77.50, it has attracted 13,100+ holders and a rapidly growing online community. Long-term investors are already rotating into this ecosystem before it hits centralized exchanges at a planned price of $0.06.

Unlike Polkadot (DOT), which focuses on multichain infrastructure, Mutuum Finance (MUTM) addresses a critical gap in DeFi: reliable, flexible crypto lending without central intermediaries. Users will be able to lend or borrow assets directly using smart contracts through Peer-to-Contract (P2C) or Peer-to-Peer (P2P) lending modules. For instance, in the P2C model, a user can deposit $10,000 worth of BTC into a lending pool, and a borrower can secure a loan using $15,000 worth of XRP at a 70% loan-to-value ratio, with rates adjusting automatically based on supply and demand. This serves as a passive yield opportunity, where depositors retain exposure to their blue-chip assets while earning interest.

The P2P model offers complete flexibility, allowing a borrower to post DOGE as collateral to secure a $2,500 USDC loan at a negotiated 13% APR. This introduces peer-driven, custom-tailored lending, enabling even meme coin holders to unlock capital efficiently. Every deposit mints a corresponding mtToken, such as mtBTC or mtUSDC, which represents the user’s principal and tracks yield over time. Once staking pools go live after launch, users can earn additional dividends by staking their mtTokens into protocol contracts, layering passive income on top of smart lending.

The presale of Mutuum Finance (MUTM) is currently in Phase 5 at $0.03, with only 27% of this round left before prices jump 20% to $0.035 in Phase 6. The final listing price is set at $0.06, already a 100% gain for anyone entering today. A well-known crypto analyst, who accurately predicted Polkadot (DOT)’s rebound in 2020, now projects Mutuum Finance (MUTM) could reach $0.90 by mid-2026. That’s a 30X jump from its current presale price, and both retail and institutional players are starting to accumulate, with on-chain data showing rising interest across multiple wallets.

The platform will debut with a full-featured beta launch, complete with its lending interface, mtToken engine, and non-custodial wallet integrations. Layer-2 compatibility will bring low gas fees and seamless scalability, critical for long-term DeFi growth. Security has also been a cornerstone of Mutuum Finance (MUTM)’s roadmap, with its smart contracts undergoing a complete audit by CertiK, resulting in some of the highest presale-level security scores in the market. Additionally, a $50,000 Bug Bounty is live to reward ethical hackers who help stress-test the protocol before its official rollout.

To amplify early momentum, Mutuum Finance (MUTM) has launched a $100,000 giveaway, where 10 users will each receive $10,000 worth of MUTM tokens simply for participating in the ecosystem’s early stages. This isn’t a project running on hype—it’s structured around tangible yield, real utility, and a fast-closing window of opportunity. With only 27% of tokens left in Phase 5, and a listing price set at double today’s cost, the smartest move is to get in now—before the rest of the Polkadot (DOT) crowd realizes what they’ve missed.