Solana News Today: Mutuum Finance (MUTM) Presale Phase 5 75% Sold Out, Token Price to Rise 20% in Next Phase

Mutuum Finance (MUTM) is developing a non-custodial, DeFi-native lending protocol designed to cater to both passive earners and active traders. The platform's unique feature is its mtTokens, which are yield-bearing ERC-20 tokens designed to capture both deposit value and interest. These tokens are particularly appealing to investors seeking stable, long-term income from blue-chip assets like ETH, SOL, or USDC, as they offer a viable alternative to stagnant large-cap investments.

Mutuum Finance (MUTM)’s Pool-to-Contract (P2C) system allows users to lend top-tier tokens such as SOL, USDT, and ETH into decentralized smart contract pools. In return, lenders receive mtTokens, which represent the original deposit and automatically grow in value over time as interest is earned. These mtTokens can also be staked in smart contracts, unlocking compound rewards sourced from protocol revenue. For example, a user depositing 60 SOL (approximately $10,000) into a lending pool earning 8.2% APY would generate around $820 per year passively through mtSOL, which increases in value the longer it is held. Once staked in the platform’s upcoming smart contracts, the same mtSOL could begin earning MUTM dividends, providing lenders with two parallel income streams while retaining exposure to the original SOL asset. This model addresses two key issues: holding blue-chip tokens without letting them sit idle and doing so in a non-custodial, automated manner without the need for active trading or complex LP positions.

Mutuum Finance (MUTM)’s roadmap is designed for long-term sustainability. The protocol uses dynamic interest rate adjustments based on pool utilization, ensuring that lender returns increase as more borrowing occurs. All funds are overcollateralized and auto-liquidated if thresholds are breached, maintaining solvency at every step.

For those seeking higher returns and willing to take on more risk, Mutuum Finance (MUTM)’s Peer-to-Peer (P2P) lending engine offers a fully customizable option. In this model, users do not interact with shared pools; instead, lenders and borrowers connect directly and negotiate their own terms. For instance, one user might lend 2,000 USDC to a borrower who posts SHIB as collateral, agreeing to a 14% interest rate, a 20-day repayment window, and a 72% loan-to-value ratio. This short-term deal delivers $280 in profit within three weeks, enforced by smart contracts and isolated from the rest of the ecosystem. Each loan lives in its own container, and each party sets the risk they are comfortable with. To keep the protocol stable, Mutuum Finance (MUTM) uses a mechanism called the Stability Factor, a dynamic adjustment system that tracks collateral volatility and triggers liquidation if it drops below safe margins. This ensures that even high-risk meme tokens like PEPE, DOGE, or SHIB are handled responsibly without putting the broader ecosystem in danger.

Mutuum Finance (MUTM) is currently in Phase 5 of its presale, with over 75% of the round sold out. More than 13,300 holders have already joined the community, and over $12.35 million has been raised so far. The token is now priced at $0.03, but that price will climb by 20% in Phase 6, bringing it to $0.035, and the final listing price is already confirmed at $0.06. Presale buyers are moving quickly, as a SOL holder who swapped $15,000 into MUTM during Phase 1 at just $0.01 per token now sits on $45,000 in value as the presale enters Phase 5 at $0.03. With the token preparing to list at $0.06, that same portfolio is projected to hit $90,000—a 6x return in under 6 months. This growth is driven by real fundamentals: on-chain yield, a functioning DeFi product suite, and a roadmap featuring Layer-2 scaling, stablecoin mechanics, and institutional partnerships. Security is also a priority, with Mutuum Finance (MUTM) partnering with CertiK for audits and running a $50,000 Bug Bounty Program to catch vulnerabilities before launch. To grow awareness, a $100,000 giveaway is underway, offering $10,000 worth of tokens each to 10 lucky winners. With over 12,000 followers on X and daily engagement climbing, Mutuum Finance (MUTM)’s momentum is now hard to ignore.

The DeFi market is waking up, and tokens with real-world use cases are rising to the top. While BTC idles and speculation burns out, Mutuum Finance (MUTM) is building something fundamentally different—a way to earn from your assets without giving up control. Whether you’re holding stablecoins, SOL, or meme tokens, the platform is built to work for you—not the other way around. Phase 5 is closing fast. Don’t miss your shot at one of the last high-utility tokens still priced under $0.05.