Mutuum Finance Raises $11.7 Million in Presale, Attracts 12,700 Investors

As the summer crypto surge gains momentum, investors are increasingly focusing on low-priced digital assets with the potential for significant growth. While meme tokens like Shiba Inu (SHIB) continue to hold cultural significance in the market, a new contender priced under $0.05 is attracting considerable attention and capital.

Mutuum Finance (MUTM), currently priced at $0.03 in Phase 5 of its presale, has raised over $11.7 million and attracted more than 12,700 participants. With 60% of this phase already sold out and the next price increase imminent, traders seeking a 3× upside are beginning to view this as the best-kept DeFi secret of the summer.

In the past week, a DeFi-focused whale transferred $18,000 from Avalanche (AVAX) and Dogecoin (DOGE) into Mutuum Finance (MUTM), anticipating a clean 3× gain post-token launch. The appeal lies in Mutuum Finance's (MUTM) offering of direct, early access to utility upon launch, powered by a beta-ready decentralized lending protocol, a native stablecoin infrastructure, and Layer-2 enhancements for speed and cost efficiency.

According to its roadmap, the beta launch of the lending platform is expected to coincide with the token listing. This means that current investors are backing a fully functional DeFi protocol, not just a placeholder. The platform will feature two custom lending models: the P2C (peer-to-contract) system, designed for stablecoins and top assets like ETH, BTC, and SOL, and the P2P (peer-to-peer) system, which opens lending opportunities for meme coin holders and risk-seeking traders.

Beyond its dual lending structure, Mutuum Finance (MUTM) is preparing to build a decentralized stablecoin, fully backed by protocol-secured collateral and minted only by approved issuers. This stablecoin will always target a $1 value, with mint-and-burn logic designed to keep the peg intact. Interest rates on borrowing will be adjusted by the protocol’s governance to maintain stability, creating internal lending demand while reinforcing utility around the token itself.

Mutuum Finance (MUTM) is also designed with Layer-2 optimization, which will reduce transaction costs and improve processing speed—a vital feature for attracting long-term usage and institutional interest. Investors holding mtTokens will remain in full control of their assets through non-custodial smart contracts, able to withdraw or redeploy capital based on liquidity availability.

The platform has already undergone a CertiK audit, and the team has launched a $50,000 Bug Bounty Program to identify and patch any vulnerabilities before mainnet. The protocol’s Skynet Score currently sits at 77, and its Token Scan Score is 95—numbers that reinforce trust in the underlying technology and developer transparency.

With 4 billion tokens as the total supply, current investors are still getting in early. At a Phase 5 price of $0.03, every dollar goes a long way. A $10,000 position at the current $0.03 presale price secures 333,333 MUTM tokens. At the $0.06 listing, that stake will already be worth $20,000. According to analyst projections, post-launch pricing could place that same position in the $0.09–$0.10 range, potentially rising to $30,000 or more as the protocol activates and usage scales.

As seen with AVAX, which exploded from $2.50 to over $140, or BNB from $4 to nearly $700, those who wait until launch often end up chasing. With only a few phases left before the price climbs again, the $0.03 window on Mutuum Finance (MUTM) is closing fast—and those who hesitate may find themselves watching from the sidelines this summer.