Analysts are talking about a presale token priced at only $0.035 that is projected to surge toward $1 — and the excitement around Mutuum Finance (MUTM) is not based on hype but on solid fundamentals.
As crypto prices today show new signs of recovery, many investors are asking why is crypto going up again after the crash and which project is truly built to last.
The answer gaining traction among analysts is Mutuum Finance (MUTM) — a DeFi protocol combining real yield, security, and sustainable tokenomics that make it highly suited for long-term holding.
The final discount window
Mutuum Finance (MUTM) is currently in Phase 6 of its presale, and over 68% of the 170 million tokens in this round have already been sold. The price sits at $0.035, with Phase 7 set to rise to $0.040 — a 15% jump that signals the end of the discounted entry window at this price.
The project has already raised about $17.35 million across its phases and has drawn more than 17,100 holders, all sharing the same conviction: this token will power a real on-chain lending economy.
With a total supply of 4 billion MUTM, analysts expect its growing user base and upcoming product launches to push demand far beyond the presale price range potential 300-400%.
Real utility that creates real demand
Mutuum Finance (MUTM) stands out for offering two interconnected lending systems that generate continuous token demand. The Peer-to-Contract (P2C) engine will allow users to lend stablecoins like USDC, and DAI directly into audited pools.
These lenders will receive mtTokens that grow in value over time, producing predictable yields that appeal to long-term investors.
For example, a lender who supplies $15,000 USDT will receive mtUSDT on a 1:1 basis and will earn an average yield of about 15% annually — around $2,250 in passive income each year. On the borrower side, users will post assets like ETH as collateral and unlock liquidity without losing market exposure.
A borrower depositing $1,000 worth of ETH will be able to borrow up to $750 in USDT based on a 75% loan-to-value ratio. This model keeps users engaged while creating continuous lending demand that sustains interest revenue for the protocol.
Every transaction in this loop adds value: lenders earn interest, borrowers pay interest, and that revenue feeds into Mutuum’s buy-and-distribute mechanism.
This means that part of the platform’s revenue will be used to buy MUTM tokens from the open market, which will then be distributed to mtToken stakers.
It is a complete ecosystem that rewards stakers and participants for staying invested and ensures consistent upward pressure on token value. This mechanism is one of the factors that will take the price to $1 soon post listing.
Building trust via testnet launch building more demand
Mutuum Finance (MUTM)’s team has announced the V1 of the protocol launch on Sepolia Testnet in Q4 2025 — a major milestone before the full mainnet deployment. This launch will test all core components such as liquidity pool logic, debt-token accounting, and automated liquidator bots.
Early testers will gain firsthand experience in how the system operates using USDT and ETH initially, building confidence and retention before the main release.
Historically, beta or testnet launches in DeFi projects like AAVE and COMP have led to massive inflows once open testing began, and Mutuum aims to follow the same trajectory but with more conviction.
An early investor example demonstrates how quickly value compounds. A Phase 2 buyer who invested $10,000 at $0.020 secured 500,000 MUTM tokens.
At the current presale price of $0.035, that holding is already valued $17,500. When the token reaches $1 expectedly post listing, that same stake will be valued at $500,000 — a 28.5x rise from today’s entry point.
After the successful presale the project is expected to list on Tier-1 and Tier-2 exchanges. This will bring a huge inflow of liquidity as more eyeballs and investors will be able to experience the platform on their own.
The more inflow of investors will definitely create hype supported by real utility of lending and borrowing. Hence in a broader perspective it will help take the price up to a certain psychological level like $1 or $2.
Designed for long-term holders
Mutuum Finance (MUTM) is building a product ecosystem that rewards patience and conviction. Its Top-50 leaderboard is already introduced with bonus incentives for top investors.
The top-ranked user each day will earn a $500 MUTM reward, as long as they complete at least one transaction during the 24-hour cycle. The leaderboard refreshes daily at 00:00 UTC. These features will strengthen community engagement and support user retention beyond the presale.
Phase 6 is already 68% complete, leaving a narrow window before the price climbs by another 15% in Phase 7. For investors tracking why is crypto going up and which projects could deliver real yield, Mutuum Finance (MUTM) presents a clear answer.
The longer one holds, the more they benefit from the buy-and-distribute engine and from the compounding ecosystem growth that follows.
Missing this phase means missing the best cost basis before the beta launch momentum begins — and before the market recognizes what long-term holders already see coming: a real DeFi token built for sustained value, not short-term hype.
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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