The crypto market has a history of rewarding those who get in early, before the crowd catches on. Whether it was Bitcoin under $100, Solana under $1, or Aave during its early DeFi breakout, the biggest winners were usually the ones who spotted strong fundamentals before mainstream adoption hit. Now, a new Ethereum-based project is drawing serious attention from both retail investors and whales. With its presale price still sitting at $0.035, Mutuum Finance (MUTM) might not stay under $0.04 for long and the reasons are stacking up fast.
A Presale That’s Gaining Momentum
Mutuum Finance has raised an impressive $17.6 million since launching its structured presale in early 2025. The project has already attracted more than 17,300 holders, a clear sign of early adoption momentum. Out of the total 4 billion MUTM supply, 1.76 billion tokens have been allocated to the presale, with more than 760 million tokens already sold in previous rounds.
The token is currently in Phase 6, priced at $0.035, up from $0.01 in Phase 1, a 250% increase for the earliest participants. Over 70% of Phase 6 has already been allocated, and once this stage sells out, the price will automatically jump by nearly 20 %, moving closer to the planned $0.06 launch price. This fixed-price, limited-allocation model gives early buyers transparent entry points while rewarding those who act before the next phase.
A DeFi Protocol With Real Utility
Mutuum Finance combines two complementary markets that work together to create a more flexible and efficient lending environment. This structure is designed to serve a broad spectrum of users, from casual lenders seeking passive income to institutional players managing larger, more complex positions.
Peer-to-Contract (P2C): This model focuses on pooled liquidity markets for major assets like ETH and USDT. Users can deposit their assets into shared pools, earning passive yield while enabling borrowers to tap into that liquidity at algorithmically determined interest rates.
The system automatically adjusts borrowing costs depending on how much of the pool’s funds are being used, keeping rates low when liquidity is abundant and raising them when liquidity tightens to attract more deposits. This design ensures stable access to capital and predictable yield opportunities for both lenders and borrowers.
Peer-to-Peer (P2P): In parallel, Mutuum Finance offers isolated lending markets for less common or higher-risk tokens. This setup is particularly attractive to institutional players and advanced users who prefer tailored credit arrangements.
By allowing direct agreements between lenders and borrowers, P2P markets give participants more flexibility in setting terms, managing collateral, and controlling exposure to specific assets. It also helps bring liquidity to niche tokens that may not fit neatly into pooled markets, expanding the protocol’s overall reach.
Early Entry Could Make a Huge Difference
This is where things get interesting. While MUTM is still priced at $0.035, whale inflows are already picking up. Six-figure purchases have been recorded during the presale, with large investors clearly positioning themselves before the token lists on exchanges.
Historically, early buyers in major crypto assets were the ones who captured the most explosive returns. Bitcoin under $100, Solana at $0.50 — these were moments when the mainstream had yet to arrive, and valuations reflected future potential rather than hype. Many analysts believe MUTM could be entering a similar window right now, placing it among the best crypto to buy now for those looking at long-term upside.
To illustrate the potential, imagine a $1,000 crypto investment at the current $0.035 price. Once MUTM reaches $0.25–$0.35 post-launch — a range analysts often cite — that investment could grow to $7,142–$10,000. This type of opportunity is rare even among top cryptocurrencies, which is why early-stage tokens with real fundamentals like Mutuum Finance are increasingly capturing market attention in 2025.
Clear Roadmap and Strong Foundations
Mutuum Finance isn’t relying on promises alone. The team recently confirmed via X (formerly Twitter) that Version 1 of its protocol will launch on the Sepolia testnet in Q4 2025, featuring key components like the Liquidity Pool, mtToken issuance, Debt Token, and Liquidator Bot, with ETH and USDT supported from day one. This public timeline gives investors more confidence as the protocol approaches launch.
On top of that, Mutuum Finance has completed a CertiK audit, scoring 90/100, and launched a $50,000 bug bounty program to encourage independent testing of its smart contracts before mainnet. These steps not only strengthen security but also show the team’s commitment to transparency.
Looking Ahead
The roadmap doesn’t stop at launch. Mutuum Finance plans to release an over-collateralized stablecoin, designed to bring more stability to lending and borrowing while routing a portion of platform revenue into MUTM buybacks — adding another demand driver.
In addition, the project intends to expand onto Layer-2 networks, cutting transaction costs and broadening access across multiple ecosystems. Together, these future developments are expected to deepen platform utility and support long-term token growth.
Mutuum Finance has also been clever in keeping its community active. A $100,000 giveaway will reward ten participants with $10,000 worth of MUTM each, helping to fuel engagement during the presale.
Alongside this, a 24-hour leaderboard gives a daily $500 MUTM bonus to the top depositor, provided they make at least one transaction during the period. The leaderboard resets at 00:00 UTC daily, encouraging active participation.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses.
