Mutuum Finance Presale Hits $14.1M With 300%+ Return Potential Below $0.05

August 2025 has spotlighted two cryptocurrencies priced below $0.05, with distinct investment narratives. One is PEPE, the viral memecoin capturing social media attention, while the other is Mutuum Finance (MUTM), a project in the final stages of its presale offering analysts and investors a projected 300%+ return potential. MUTM is priced at $0.035 during its Phase 6, a final discounted window before the token price climbs to $0.040. The presale has already raised $14.1 million with nearly 14,800 token holders, selling 10% of the total supply [1].

Mutuum Finance is differentiating itself through a dual-layer DeFi lending system. The first layer, Peer-to-Contract (P2C) lending, allows users to deposit stable assets like USDC, AVAX, and LINK into shared liquidity pools. These deposits yield 9% to 12% APY depending on pool utilization. Depositors receive mtTokens, which accrue interest and unlock staking rewards in MUTM tokens. The second layer, Peer-to-Peer (P2P) lending, supports high-risk, high-reward scenarios with speculative assets such as PEPE, DOGE, and TRUMP. This layered model isolates P2P risk from the more stable P2C pools, ensuring the platform remains resilient to market volatility [1].

Analysts with a history of accurate market predictions—such as Polkadot (DOT) and early Solana (SOL) forecasts—are projecting MUTM to reach $1.05 by mid-2026. This forecast is based on the project’s unique dual lending mechanics, anticipated Layer-2 integration for faster transactions, and a full beta platform launch. One investor who swapped $4,000 in AVAX for MUTM during Phase 1 is now holding an unrealized stake of $14,000—a 250% gain—before the token even hits major exchanges. With the beta launch and key exchange listings, this stake could surpass $60,000 [1].

The platform’s roadmap spans four phases, guiding MUTM from its presale through development, audit completion, and a multichain Layer-2 launch. The upcoming beta release will provide real-world utility, further driving token demand. Security is a top priority, with MUTM receiving a CertiK audit score of 95 and a Skynet rating of 78. The project also operates a bug bounty program to reinforce transparency and security [1].

Community engagement is being boosted through a $100,000 giveaway, distributing MUTM tokens to ten winners. This strategy aims to build a strong and loyal user base ahead of the token’s broader market launch. As August progresses, investors seeking a balance of growth and security are turning to MUTM as a calculated alternative to the hype-driven trajectory of PEPE [1].

Time is limited for the current presale phase, and early entry offers a strategic advantage before the price increases. With a well-structured development plan, real DeFi utility, and growing institutional confidence, Mutuum Finance is being positioned as a standout opportunity under $0.05 in an increasingly competitive market.

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[1] title1: August’s 2 cryptos under $0.05: One in presale with 300%+ outlook, other is PEPE (url1: https://invezz.com/news/2025/08/07/augusts-2-cryptos-under-0-05-one-in-presale-with-300-outlook-other-is-pepe/)