Mutuum Finance Raises $11.2 Million in Presale Phase 5

Mutuum Finance (MUTM) is emerging as a strong contender in the decentralized finance (DeFi) space, attracting significant attention from investors who are looking for the next big opportunity. Priced at just $0.03 in its fifth presale phase, MUTM has already raised over $11.2 million, with 50% of Phase 5 already sold out. This rapid growth is not just due to its low market cap but also because of its robust roadmap and real functionality.

Mutuum Finance stands out with its dual lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). The P2C model allows users to supply capital to liquidity pools via audited smart contracts, enabling borrowers to overcollateralize their requests using assets like ETH, BTC, or USDT. This model offers flexible borrowing options with variable or stable rates, allowing users to borrow without selling their long-term holdings and repay anytime without penalty. The P2P option, on the other hand, facilitates direct lending between users, particularly for less liquid assets like meme coins, with fully customizable terms such as rates, duration, and partial fills. This design supports high-yield strategies without compromising the safety of the core lending pools.

To enhance capital efficiency, all depositors will receive mtTokens, which represent the deposited value plus interest and grow in real-time based on pool activity. Users can stake these mtTokens in designated contracts to receive passive dividends from future protocol revenue. A portion of the income generated will be used to buy MUTM tokens from the open market and distribute them to stakers, creating a reliable and sustainable income stream. The protocol is also integrating a Layer-2 network to deliver faster, low-cost transactions, enabling micro-lending and making borrowing and lending accessible for users with smaller positions.

Mutuum Finance is not just promising innovation; it is delivering on it with a structured rollout plan. The project has already initiated its smart contract audit with CertiK, earning a Skynet Score of 76.50 and a Token Scan Score of 95.00. A legal team, education platform, and compliance infrastructure are also scheduled to follow. Mutuum will introduce its own overcollateralized stablecoin, which will only be minted against ETH and similar assets. This stablecoin will use a governance-managed interest rate system and arbitrage incentives to maintain its peg near $1. The mint-and-burn mechanism ensures supply remains tightly regulated, and liquidation protocols will protect the ecosystem from undercollateralized loans. The platform has also confirmed there will be no fixed loan durations, allowing users to control the timing of repayments and retrieve their collateral whenever they choose, as long as it remains above the liquidation threshold.

With more than 12,450 holders already onboard and an active community building on social media, both retail and institutional players are paying attention. The project’s $100K giveaway is currently live, with ten winners set to receive $10,000 worth of MUTM tokens each. This campaign is driving momentum, rewarding early believers ahead of the beta platform rollout. The window to enter at the $0.03 price level is closing. Once Phase 5 completes, prices will rise to $0.035 in Phase 6. For anyone looking to turn $6,000 into $120,000 at a 20x return, now is the final chance to secure that upside. With real features launching, protocol revenue sharing, and a deep lending infrastructure, Mutuum Finance (MUTM) is tracking toward a growth trajectory that may rival early SOL’s run. Smart investors aren’t waiting.