Mutuum Finance Presale Hits 99% Sold as Next Phase Nears 20% Price Hike

Mutuum Finance (MUTM) is approaching a critical juncture in its token presale as Phase 5 nears completion with 99% of its tokens sold and just 1% remaining at $0.03 per token. The next phase, priced at $0.035, represents a 20% increase and is set to unlock imminently, creating a final opportunity for investors to acquire MUTM at the lowest available price before a significant valuation jump [1]. The urgency is underscored by the platform’s phased pricing model, which escalates costs with each subsequent round, effectively narrowing the window for cost-efficient entry [2].

The presale has garnered $13.5 million in funding from over 14,300 holders, reflecting growing confidence in Mutuum Finance’s hybrid approach to decentralized finance (DeFi). The platform’s dual lending system—combining Peer-to-Contract (P2C) and Peer-to-Peer (P2P) models—has attracted attention for its ability to generate passive income while maintaining asset ownership. For instance, a user depositing $4,000 in LINK into the P2C pool would receive 4,000 mtLINK tokens with an annual percentage yield (APY) of 10.2%, potentially earning $408 in a year without active management. Meanwhile, P2P lending offers higher-risk opportunities, such as a 25% APY for borrowers accepting $1,800 in DAI loans against $3,000 in SHIB collateral [1].

The project’s security framework further strengthens investor trust. A CertiK audit awarded Mutuum Finance a TokenScan score of 95 and a Skynet score of 78, validating the robustness of its smart contracts. Additional safeguards include a $50,000 bug bounty program for white-hat hackers and a $100,000 MUTM giveaway to incentivize community participation. These measures align with industry standards for DeFi platforms prioritizing risk mitigation [2].

The impending phase transition highlights the tension between scarcity and investor psychology. With only 1% of Phase 5 tokens left, the market is likely to experience accelerated demand, a pattern observed in crypto presales where early buyers reap disproportionate gains. While projections of a $0.06 listing price are speculative, such a jump would represent a 100% increase for investors purchasing at $0.03 [2]. However, the realization of this forecast depends on the project’s ability to execute its roadmap, including expanding P2C pools and ensuring regulatory compliance.

For participants, the decision to act hinges on balancing immediate cost advantages against execution risks. The 20% price hike to $0.035 creates a clear threshold: buyers who secure tokens now avoid paying a premium later, while delayed entries face reduced purchasing power and fewer tokens. This dynamic mirrors broader crypto market behaviors, where early access often correlates with outsized returns, though outcomes remain contingent on the platform’s long-term viability [2].

As the presale nears its final stage, the interplay of supply constraints, community engagement, and security assurances positions Mutuum Finance as a focal point for DeFi investors. The upcoming phase unlock not only signifies a valuation shift but also underscores the project’s transition from presale to full-market launch.

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[1] [Next Phase Unlocks at $0.035](https://invezz.com/news/2025/07/26/next-phase-unlocks-at-0-035-this-might-be-your-last-shot-at-0-03-mutm-as-just-1-left/)

[2] [You're Late If You Wait](https://invezz.com/news/2025/07/26/youre-late-if-you-wait-mutm-price-hike-just-moments-away-as-presale-now-stands-at-99/)