Mutuum Finance (MUTM) Token Price Set to Rise 20% in Next Phase

Hedera (HBAR) has been recognized for its enterprise partnerships and energy-efficient technology. However, after achieving modest gains of 11% this year, investors are questioning the future trajectory of the token. The hype surrounding HBAR has diminished, and its price charts have shown stagnation. High-value holders are now shifting their investments towards emerging protocols that offer real yield, rather than relying solely on brand recognition.

Mutuum Finance (MUTM) is emerging as a viable alternative. Currently, its token is priced at $0.03 in its presale Phase 5. With a 20% price increase anticipated in the next phase and growing momentum from its real product mechanics, MUTM could be one of the most overlooked DeFi assets of the summer. Over $12 million has been raised, and more than 13,000 holders have joined the presale. With 68% of Phase 5 already sold, the window to enter before the price rises to $0.035 is closing. The excitement is not just about the early pricing but also about the utility of the token.

Hedera (HBAR) is a public distributed ledger that uses a hashgraph consensus for enterprise-grade applications. It offers 10,000 transactions per second, fees as low as $0.0001, and carbon-negative operations. Recently, HBAR traded at $0.16 with a market cap of $6.49 billion, up 3.47% from the previous week. Its aBFT hashgraph ensures fast and secure consensus, governed by the Hedera Council, which includes members like Google and IBM. HBAR powers DeFi, NFTs, and tokenized real-world assets via the Hedera Token Service, with a daily volume of $192.84 million. It supports IoT and payments via HashSphere. On July 7, Canary Capital’s HBAR ETF filing with 90% approval odds drove optimism, with a bullish MACD signaling a 1.25x rally to $0.20. The launch of a $500 million tokenized MMF and HashSphere’s stablecoin further boost momentum, but resistance at $0.17 risks a drop to $0.148.

Unlike passive layer-1 tokens that remain idle in wallets, Mutuum Finance (MUTM) is building a system of revenue-backed lending mechanics that reward participation from all market sides. The core of its ecosystem lies in its P2C (peer-to-contract) model, where users deposit stablecoins and blue-chip assets into liquidity pools and earn consistent APY based on borrower activity. For example, a $10,000 deposit in SOL can earn 9.9% annually, with interest building automatically through mtTokens, which represent the user’s share in the pool and increase in value over time. These mtTokens offer more than just passive interest; they unlock broader DeFi participation. Since they are fully ERC-20 compliant, users can move them across platforms, use them as collateral for borrowing, or stake them in Mutuum’s designated smart contracts to receive additional dividends. This creates a fluid, yield-rich experience for both long-term holders and active market participants.

Mutuum Finance (MUTM) also offers flexible, overcollateralized borrowing that is secure and fast. A user who deposits $9,000 worth of LINK, with a 65% loan-to-value ratio, can instantly borrow $5,850. This capital can be used for various purposes, such as portfolio rebalancing or seizing time-sensitive investment opportunities, while the original LINK remains untouched with full upside exposure. The loan is repayable at any time, with interest charged only for the active loan duration. This is where Mutuum Finance (MUTM) differentiates itself from stagnant projects like Hedera (HBAR). While HBAR holders wait for growth through corporate adoption, MUTM investors lock in real returns from peer-to-contract lending models that scale with protocol usage.

Another standout aspect of Mutuum Finance (MUTM) is its forward-looking infrastructure. The team is developing the protocol with Layer-2 integration in mind, making the entire experience faster and cheaper than legacy networks. With gas efficiency and scalability addressed at the foundation, the platform positions itself to deliver a smooth user experience even under high market activity. To ensure maximum reliability, the protocol has launched a $50,000 bug bounty program in collaboration with CertiK. This initiative invites developers to inspect the code across four tiers of vulnerability, helping the team identify and fix any issues before the mainnet goes live. Alongside that, a $100,000 giveaway is set to reward early supporters, with 10 winners receiving $10,000 worth of MUTM tokens each—a significant boost for those locking in their spot now.

While HBAR remains focused on enterprise use cases, Mutuum Finance (MUTM) is providing individual investors with the tools to earn directly from the market. One early participant in Phase 1 invested $2,000 into MUTM at $0.01—and now holds a position worth three times that based on the current $0.03 price, with even more upside expected as the token aims for a $0.06 listing. With a Layer-2 future, stable interest from active lending, flexible borrowing options, and protocol-backed buybacks to support long-term value, Mutuum Finance (MUTM) delivers everything today’s DeFi users are looking for. As Phase 5 nears completion, the 20% jump to $0.035 is more than just a number—it’s the next wave in a growing shift toward real-yield altcoins.