A powerful new chance is rising in the market, and early buyers will soon see why. Mutuum Finance (MUTM) is still in presale phase 6, giving investors one more window to lock in a strong value position before the next price jump. Many users are searching through crypto charts every day for the next big win, but few tokens offer a clear pathway to a 70% value gain before launch. MUTM is shaping up to be that rare opportunity.
What you'll learn 👉
Presale Numbers and Real Protocol Launch
Right after launch, the real impact will show. But today, the presale numbers tell the story already. Mutuum Finance (MUTM) has a total supply of 4 billion tokens and has generated around $19.30 million across all presale phases so far. The current phase 6 price sits at $0.035 with 170 million tokens in this phase, and 97% of them are already sold out. More than 18,500 holders across all phases are now part of its growing base. This rise reflects strong demand from users who understand that the next price step will move to $0.040, a 15% increase from where the token is now.
An early investor set a strong example of this growth. During phase 1, the price was $0.01. A user who shifted their portfolio from ETH and SOL into Mutuum Finance (MUTM) and purchased $1,000 worth of tokens at that time now holds tokens valued at $3,500 in phase 6. This is already a 3.5x value gain without listing. When comparing this to the confirmed listing price of $0.06, that same wallet will show a value of $6,000 on day one. This equals a 500% rise before post-listing market momentum begins.
The team is also building trust at the right moment. Mutuum Finance (MUTM) recently announced on X that Halborn Security is conducting a full audit of its lending and borrowing smart contracts. Since the codebase is already finalized, Halborn is now performing a deep review to ensure the system will run safely under real conditions. This independent process will strengthen confidence, reduce security threats, and support long-term adoption as the platform moves toward launch.
Mutuum Finance (MUTM) is preparing for its V1 of the protocol to arrive on Sepolia Testnet in Q4 2025. ETH and USDT will be the first assets available for lending, borrowing, and collateral. The ecosystem will include liquidity pools, mtTokens, debt tokens, and an automated liquidator bot. This clear development path reinforces Mutuum’s push toward full platform readiness.
Powerful Utility Through Lending Models
Mutuum Finance (MUTM) will offer two lending models. The first is P2C, or peer-to-contract lending. In this system, users will pool assets such as stablecoins like USDT and major assets including ETH. These assets will fill audited smart contracts that supply liquidity to borrowers. Rates will adjust in real time based on pool usage. As liquidity tightens, rates will rise, encouraging more deposits and establishing smooth capital movement across the protocol.
Lenders will receive mtTokens such as mtUSDT when they deposit their assets. These tokens will grow in value as interest builds and will also serve as collateral for borrowing. For example, a user who will lend 15,000 in USDT will receive mtUSDT at a 1:1 ratio. With an average APY near 15%, their passive earning will reach $2,250 by year’s end. Over time, the user will withdraw their principal plus interest, depending on available liquidity.
Borrowers will enjoy a flexible system as well. Someone holding $1,000 worth of ETH will be able to lock it as collateral and borrow up to 97% of that amount. They gain liquidity without losing exposure to ETH’s price movement. This makes borrowing far more strategic during volatile markets.
The second lending model is P2P, or peer-to-peer. This section will focus on high-risk or low-liquidity tokens, especially popular meme tokens like PEPE, or DOGE. Here, lenders and borrowers will negotiate rates, durations, and loan conditions directly. There will be no shared pool. Since the risk is higher, the earnings will rise as well. This model will protect the protocol’s primary liquidity while opening more earning routes for users seeking higher returns.
All loans will require overcollateralization. A Stability Factor will determine how safe a borrower’s collateral is. If the collateral drops below the required value, liquidation will begin. Liquidators will buy the debt at a discount, preventing damage to the system. This method will maintain stability and security during high market volatility.
Sustainable Value Through Buy and Distribute Mechanism
Mutuum Finance (MUTM) is also building long-term value through a buy-and-distribute system. Part of the platform’s revenue from lending activities will be used to buy back MUTM tokens from the market. These tokens will then reward users who stake their mtTokens. This creates a cycle of demand and reward that supports price strength. As usage rises, more revenue will be generated. More revenue means more MUTM buybacks, and more buybacks create stronger support in the open market.
This structure rewards active participation. It replaces inflation-heavy rewards with earnings backed by true economic activity. As the platform grows, this model will create a steady movement of demand, helping the token maintain momentum in the market.
Managing liquidity and market conditions will play a key role in how loans and positions are handled. Liquidity will ensure liquidations happen smoothly without heavy price drops. The Loan-to-Value ratio will protect both lenders and borrowers during fluctuations. Lower-volatility assets like ETH and stablecoins will maintain higher LTVs near 97%. More volatile assets will operate with 35–97% LTV ranges. This system will provide strong protection for the protocol while supporting diverse lending activity.
The platform and token is expected to be launched together. This synchronized rollout will drive early action from users, exchanges, and traders. Tier-1 and Tier-2 exchanges often prefer platforms that already offer live utility, giving Mutuum Finance (MUTM) a chance to secure stronger placements and higher trading volume soon after listing.
Mutuum Finance (MUTM) is showing every sign of becoming one of the strongest launches of this cycle. Phase 6 is already 97% sold out, and the price will move from $0.035 to $0.040 in the next phase. This is the final chance to secure tokens at the current discounted rate. As the listing price is already set at $0.06, buyers entering today will lock in a clear value gain before the token even hits the open market. The window is closing fast. Secure your MUTM now before the next 15% rise takes effect.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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