As retail traders watch whales reposition their portfolios, one token is drawing quiet but decisive attention: Mutuum Finance (MUTM). Still in Phase 6 of its presale and trading at just $0.035, this under-$1 token is up 250% from its launch price—and demand is only accelerating. With a listing price of $0.06, analysts are confident that Mutuum Finance (MUTM) is on track for 300% growth before the end of Q3 2025. The unique blend of passive yield, lending mechanics, and Layer-2 scalability is fueling whale interest at an aggressive pace.
Over $13.7 million has been raised so far, with 7% of the 170 million tokens allocated for Phase 6 already sold. With only a short window before the price moves to $0.040 in Phase 7—a 15% increase—investors are locking in entry before the next major move.
Lending Utilities That Back Price Growth
Mutuum Finance (MUTM) won’t be just another speculative token—its value will be directly tied to real protocol usage. The platform will operate on a dual lending model, combining Peer-to-Contract (P2C) and Peer-to-Peer (P2P) systems to serve both institutional-grade and retail DeFi participants.
In the P2C model, lenders will be able to earn up to 10.2% APY on stablecoins like USDT and DAI. Yields will adjust dynamically based on pool utilization, ensuring competitive returns even during periods of high demand. Borrowers will deposit blue-chip assets such as Bitcoin (BTC) and borrow against them at a 65% loan-to-value (LTV) ratio. For instance, a user who deposits $10,000 in BTC will unlock $6,500 in stablecoins—without needing to sell their long-term holdings.
The P2P lending layer will add further flexibility by allowing users to negotiate terms directly, ideal for those looking to collateralize meme coins or high risky assets. This approach will create additional yield potential for risk-tolerant lenders while expanding the protocol’s reach into untapped segments.
Every lending interaction on the platform will generate protocol revenue, which will be funneled into an automated MUTM buyback mechanism—reducing circulating supply and reinforcing long-term price strength.
Beta Launch, Audits, and Investor Incentives Strengthen Market Confidence
The upcoming Beta Launch of Mutuum Finance (MUTM) at the time of token listing will allow users to interact with core lending, borrowing, and staking features ahead of the full mainnet deployment. This hands-on experience is designed to accelerate user adoption and refine the protocol through real-world usage—setting the stage for a strong post-listing performance.
Confidence in the protocol is further reinforced by a $50,000 bug bounty and a completed CertiK audit with high scores—95.00 Token Scan and 78.00 Skynet. Security-conscious investors see this as a key sign that Mutuum Finance (MUTM) is serious about protecting capital and preventing exploit risk, a critical consideration in the DeFi space.
Adding to the momentum, the team is currently running a $100,000 giveaway, where ten investors will each win $10,000 worth of MUTM. Combined with the protocol’s growing community of 12,000+ Twitter followers, the project is rapidly gaining visibility—both from whales and retail investors seeking credible early-stage opportunities.
Why August Could Be the Final Chance Under $0.04
For investors who got in during Phase 1 at $0.01, their holdings have already grown by 250%. When MUTM hits its listing price of $0.06, those early investors will have gained 500%. One notable case includes a participant who moved capital from Solana (SOL) at $40 into Mutuum Finance (MUTM) at launch—locking in gains that now outperform their original position by a wide margin.
Even investors entering now at $0.035 are positioned to benefit from strong upside. A move to $0.06 at listing means an approximate return of 70%-100% return, while a price of $0.12—the projected near-term target—delivers a 242% gain. These are hard numbers backed by an in-demand token economy, revenue-driven buybacks, and actual utility—not vague roadmaps or marketing hype.
The token supply is capped at 4 billion MUTM, with each sale phase offering fewer tokens at a higher price. As such, accumulation in August—before the Phase 7 price jump—provides a tactical entry point for serious DeFi investors aiming to front-run the next ecosystem surge. With Mutuum Finance (MUTM) combining tangible utility, liquidity generation, and tokenomics built for growth, it’s no surprise that whales are moving fast. The opportunity is now—and once Phase 7 begins, the cost of entry will rise.
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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