Mutuum Finance Presale Hits $13.9M as Investors Target 30x Returns

A new cryptocurrency, Mutuum Finance (MUTM), is being closely compared to Chainlink (LINK) due to its early-stage fundamentals and infrastructure-driven utility. Much like LINK’s early trajectory, MUTM is positioning itself as a key player in decentralized finance (DeFi) by offering a non-custodial, decentralized lending platform with both P2P and P2C models. Through the P2C system, users can deposit stablecoins or blue-chip tokens like ETH and BTC into smart contract pools, earning mtTokens that grow in value as interest accrues. Borrowers can access overcollateralized loans using high-quality tokens as collateral, maintaining capital efficiency without selling their assets. The platform’s lending rates are dynamically governed by pool utilization, ensuring sustainable returns for lenders [1].

The P2P model offers more flexible, term-based lending agreements, appealing to users seeking higher yields or customized financial terms. Beyond lending mechanics, MUTM integrates advanced tokenomics that align with industry best practices. One such feature is mtToken staking, where users earn MUTM as rewards—directly funded from protocol revenue. These rewards are sourced from tokens bought back on the open market, creating ongoing demand without inflating the total supply [1].

The project is also preparing to launch a decentralized stablecoin, which will be overcollateralized and minted only when a loan is issued. This stablecoin will maintain a $1 peg by being burned upon loan repayment, effectively eliminating inflation risk and aligning supply with real-time market activity [1].

Security is another key differentiator for MUTM. The platform underwent a CertiK audit, achieving a Token Scan Score of 95 and a Skynet rating of 78. It also offers a $50,000 bug bounty in partnership with CertiK, signaling a strong commitment to safety and transparency. Furthermore, the platform is set to integrate with Layer-2 networks to enhance transaction speed and reduce gas costs, making it more scalable and accessible than many competitors [1].

Presale traction suggests strong early institutional confidence. As of Phase 6, MUTM is priced at $0.035, with over 10% of its 170 million token allocation already sold. More than $13.90 million has been raised from over 14,800+ holders. Phase 7 will increase the price to $0.040, marking a 15% jump, making the current entry point potentially the last major opportunity before listing [1]. To further drive community growth, a $100,000 giveaway is ongoing, rewarding 10 winners with $10,000 worth of MUTM each [1].

Analysts have noted that early investors in Phase 1, when MUTM was priced at $0.01, are already seeing a 6x return. With expectations for the token to list at $0.06, current Phase 6 participants still benefit from a heavily discounted entry. Price targets from analysts suggest a potential rise to $1.50 and beyond post-launch, giving early investors the possibility of over 30x returns from their initial investment [1].

Mutuum Finance’s roadmap is structured into four phases. Phase 1 (Initiating) focused on presale launch, audit completion, and infrastructure development. Phase 2 (Building) centers on protocol and smart contract development, including Layer-2 integration. Phase 3 (Finalizing) will refine risk management systems, launch the stablecoin, and prepare liquidity pools. Phase 4 (Delivering) will see the full public beta rollout, protocol expansion, and long-term staking and reward modules [1].

The project is not a speculative meme coin but a purpose-built financial protocol with robust technology and transparent execution. Like Chainlink, Mutuum Finance is solving real-world problems and offering tools that DeFi needs. The market is now watching to see whether MUTM will follow the same trajectory as LINK, delivering substantial returns to early adopters [1].

Source: [1] CoinMarketCap, [https://coinmarketcap.com/community/articles/688e5b76eafc6618b21165df/](https://coinmarketcap.com/community/articles/688e5b76eafc6618b21165df/)