When ADA surged from under $0.10 to over $3 during the 2021 bull run, few expected such a monumental rise. Yet history often rewards early believers in projects with strong fundamentals.
Today, experts are comparing that same kind of potential to Mutuum Finance (MUTM) — a rising DeFi protocol currently gaining traction among both retail and institutional investors.
With its audited foundation, utility-focused ecosystem, and a presale already gathering momentum, many analysts expect MUTM to follow a similar explosive path.
The DeFi model attracting early whales
Presale momentum continues to build rapidly. So far, the project has raised about $17.12 million, with 62% of the current allocation of just this phase being sold.
The token trades at $0.035, but once Phase 7 begins, the price will rise to $0.040 — a 15% increase.
This limited-time window has drawn attention from institutional wallets, treating this phase as the final opportunity to accumulate MUTM at a discounted valuation before exchange listings.
Mutuum Finance (MUTM)’s model is designed for efficiency. Lenders will deposit assets into liquidity pools, receiving mtTokens that represent their contribution.
These mtTokens will generate steady yields, funded by interest from borrowers.
On the other side, borrowers will lock approved assets as collateral and receive loans in Mutuum Finance (MUTM)’s stablecoin.
All positions will remain overcollateralized to ensure safety, while the system’s governance will dynamically adjust borrow rates to maintain the $1 peg.
For long-term users, the staking model adds another layer of attraction. Users will be able to stake mtTokens and receive MUTM rewards sourced from the platform’s real revenue.
Mutuum Finance (MUTM) will use a buy-and-distribute mechanism, repurchasing MUTM tokens from the open market and redistributing them to mtToken stakers.
This model creates ongoing buy pressure while circulating value back to the community — a feature that appeals strongly to whales seeking compounded rewards rather than short-term speculation.
From $0.035 to $3: The case for 1200% growth
Analysts tracking emerging DeFi assets believe Mutuum Finance (MUTM) presents a path for exponential returns due to its functional design and early presale traction.
The protocol’s real-world utility — enabling decentralized borrowing and lending — ensures continuous platform activity that will sustain token demand.
As the ecosystem expands and transaction volume grows, revenue from lending operations will fund more token buybacks, naturally supporting price appreciation.
The development roadmap further strengthens this outlook. The team will move toward a beta release, probably at the token live event, allowing early users to test live borrowing, lending, and staking features.
This hands-on phase is expected to attract both individual investors and institutional participants exploring scalable DeFi solutions.
The planned testnet in Q4 2025 will mark a major milestone toward full deployment. The first version, known as V1, will launch on the Sepolia Testnet in late 2025.
It will include key components like a liquidity pool, mtToken, debt token, and a liquidator bot to ensure everything works smoothly.
At launch, users will be able to lend, borrow, and use ETH or USDT as collateral easily and securely.
Major exchange listings, anticipated post-launch, are expected to increase liquidity and exposure. As seen with other successful tokens, broader market access often triggers accelerated growth once public trading begins.
Analysts forecast that early participants in the presale will be well-positioned to capitalize on this momentum.
Early investment benefit and other features
To illustrate this growth trajectory, consider a presale investor who acquired MUTM in Phase 3 at $0.02. A $5,000 position then secured 250,000 tokens, now valued at $8,750 at the current Phase 6 price of $0.035.
At a projected $3 post-launch, that same position would reach $750,000 — a transformation that reflects why many see MUTM as one of the most compelling options for investing in crypto right now.
Mutuum Finance (MUTM) also demonstrates institutional-grade safeguards.
Its framework will include stable and variable rate models, liquidation thresholds, reserve factors, and collateral efficiency controls to manage market volatility.
These mechanisms will preserve liquidity while protecting both sides of the protocol from excessive risk. By design, this makes MUTM’s ecosystem resilient, predictable, and highly scalable.
As crypto prices today continue to fluctuate across major exchanges, Mutuum Finance (MUTM) stands out for its balance between innovation and practicality.
It combines the stability of a pegged asset with the profitability of an active lending protocol — an equilibrium that has historically driven sustainable token appreciation in DeFi markets.
Conclusion
Experts currently see Mutuum Finance (MUTM) as a rare instance when a strong presale and profound utility come together.
The project has already caught the attention of early whales who are getting ready for long-term exposure.
It has more than 12,000 followers, a clear roadmap, and architecture that can handle a lot of traffic.
As Phase 6 comes to an end, the time left to buy MUTM at $0.035 is quickly running out. When the fee goes up to $0.040 in Phase 7, people who come late will have to pay more to get in.
This is the right time for people who want to invest in crypto strategically to get in before the next wave of acceptance starts. Analysts think that Mutuum Finance (MUTM) is ready to create new standards in decentralized finance.
They also think it could be the next asset to match or perhaps beat ADA’s famous rally.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
The post From $0.035 to $3? Mutuum Finance (MUTM) could outpace ADA’s 2021 rally, experts claim appeared first on Invezz
