Mutuum Finance Raises $12.6 Million in Presale, Price to Jump 20% in Next Phase

Mutuum Finance (MUTM) has emerged as a notable player in the cryptocurrency market, attracting significant attention from investors as major cryptocurrencies like Bitcoin and Ethereum continue to gain traction. The project has raised over $12.6 million during its presale, with Phase 5 nearly sold out. This rapid progress has sparked interest, as the current price of $0.03 is set to increase by 20% in the next phase, making it an attractive investment opportunity.

Mutuum Finance is a decentralized protocol focused on lending, borrowing, and passive earnings. Unlike traditional platforms that rely on custodians or centralized control, Mutuum operates through non-custodial smart contracts. Users can participate as lenders, borrowers, or liquidators, depending on their strategy. When users contribute assets to Mutuum’s liquidity pools, they receive mtTokens, which are ERC-20 tokens that represent their deposit and accumulate interest over time. These tokens increase in value as platform activity expands, reflecting the interest earned on the original deposit. Borrowers can access loans by locking in overcollateralized assets and choose between variable or stable rates based on market conditions.

The platform offers both pooled and peer-to-peer models, giving users control over their participation in lending markets. Its built-in liquidation engine ensures healthy borrowing practices while maintaining flexibility. With over $12.6 million raised, more than 13,600 holders, and 550 million tokens sold, Mutuum’s presale has seen significant success. Over 80% of Phase 5 has been sold, with the $0.03 price point available for a limited time before the next increase to $0.035 in Phase 6. This 20% jump is creating urgency among potential investors, who are eager to capitalize on the opportunity before the token launches at $0.06, potentially doubling their investment.

Analysts are bullish on MUTM due to its practical applications and growing utility. Unlike many speculative tokens, MUTM is backed by a functional ecosystem currently in development. The platform’s beta version is expected to launch around the same time as the token, providing early users with access to core features like lending markets and mtToken tracking. This strategy focuses on long-term growth and sustainable usage, which is increasingly important in the current market. The protocol’s buy-and-distribute model rewards mtToken stakers with additional MUTM bought on the open market, supporting both stability and demand.

As Phase 5 nears completion and the protocol approaches launch, the 20% price increase set for Phase 6 adds another reason to act quickly. With fewer than 20% of tokens remaining at the current tier, this stage may not last long. MUTM offers a compelling investment opportunity, combining a working product roadmap with a solid presale track record and a team focused on delivering value from launch. The beta version of the platform is expected to go live alongside the token, giving buyers early access to a usable ecosystem. With the upcoming 100% increase from presale to launch, MUTM is being mentioned in conversations about the best crypto to buy before the next bull run gains full momentum.

Mutuum Finance is building more than just hype; it is creating a structured, utility-first protocol that aims to deliver value across lending, borrowing, and on-chain earnings. With over $12.6 million raised, an expanding holder base, and Phase 5 nearly complete, the final stretch of this presale is all about timing. The next price move is locked in, and with a 20% increase coming in Phase 6, early movers stand to benefit the most. As launch day approaches and momentum builds, MUTM is shaping up to be more than just a presale token. Mutuum Finance (MUTM) is quickly gaining recognition as a standout cryptocurrency investment for Q3 2025.