Bitcoin (BTC) started as a low-priced idea that many ignored. Over time, steady demand, real utility, and growing trust pushed it into one of the most talked-about assets in the world. Today, crypto investing often focuses on finding early-stage projects that combine real use cases with disciplined execution. Mutuum Finance (MUTM) fits that narrative as a defi crypto still priced near $0.04, designed around active lending, borrowing, and revenue-driven incentives rather than hype.
Mutuum Finance (MUTM) is currently in presale phase 7, with a total supply of 4 billion tokens. The current price sits at $0.04, while the combined presale has already generated around $19.73 million. Across all phases, the project has attracted over 18,800 holders, showing steady organic interest. In the current phase, 6% of the 180 million token allocation has already been sold, reflecting ongoing demand even before launch. Earlier phases offered lower prices, and those entries now stand well ahead of later buyers as the presale progresses toward higher valuations.
BTC 56,00% Rally and Near Future Projections
Bitcoin (BTC)’s historic 5,600% rally was driven by early adoption, increasing utility, and trust built over time. Mutuum Finance (MUTM) operates in a different era but follows a similar foundation by tying token demand directly to platform activity. At $0.04, the token remains accessible, especially when compared to its planned listing price of $0.06. A buyer entering now secures a 50% price difference before listing, while post-listing projections point toward multiple price expansions as platform usage scales.
An investor who reallocated part of a portfolio from ETH and SOL into Mutuum Finance (MUTM) during phase 1 at $0.01 already holds a 300% gain by phase 7. This return has been achieved purely through presale progression, without public trading. At the listing price of $0.06, that same position reflects a 500% increase from entry. With post-listing projections targeting several times the listing valuation as usage expands, the compounding effect becomes clear within a structured crypto investing strategy.
Buying later phases reduces upside. A $10,000 purchase at $0.04 yields 250,000 tokens, while the same amount at $0.06 secures only 167K tokens. That difference directly affects long-term returns as the platform matures. The discounted nature of the current phase keeps early access attractive while the ecosystem prepares for launch.
The presale is positioned as a legitimate offering rather than a short-term gamble. The team has been active since early 2025 and has followed its roadmap with consistent delivery of milestones. A fully functional protocol launch is approaching, supported by visible community growth and transparent development. This steady execution separates Mutuum Finance (MUTM) from the many short-lived projects that dominate the market and reinforces its status as a long-term venture.
Mutuum Finance (MUTM)’s Safe Dual Lending Models
Mutuum Finance (MUTM) has undergone a formal security audit by Halborn, completed in November 2025. The audit reviewed core smart contract code and identified six issues, including one high-severity item. All findings were fully resolved before completion, with Halborn confirming 100% remediation. This process strengthens confidence as the project advances toward its V1 testnet on Sepolia and eventual launch.
A key growth driver is the dual lending structure combining Peer-to-Contract and Peer-to-Peer models. In the P2C system, users will pool assets such as USDT, ETH into audited smart contracts. Borrowers will access liquidity by providing overcollateralized collateral, while interest rates will adjust dynamically based on pool usage. Lenders will receive mtTokens at a 1:1 ratio, representing their deposits and accrued interest.
For example, a user lending $15,000 in DAI will receive 15,000 mtDAI. With an average APY around 10%, annual earnings reach $1,500 in passive income, all while retaining liquidity through mtTokens. Borrowers benefit as well. Using $1,000 worth of BTC as collateral allows access to up to 75% borrowing capacity, providing liquidity without selling the underlying asset and maintaining exposure to market upside.
The P2P model expands opportunities for assets like DOGE and SHIB. Here, lenders and borrowers negotiate terms directly, accepting higher risk for higher returns while isolating volatility from core liquidity pools. Overcollateralization and a Stability Factor govern all loans, ensuring system health through controlled liquidations when thresholds are breached.
Liquidity management and volatility controls are central to the protocol. Lower-volatility assets such as ETH and stablecoins sustain higher Loan-to-Value ratios near 6%, while more volatile tokens operate within tighter limits. These parameters protect solvency and support efficient liquidations, maintaining confidence among participants for secure and consistent ROI.
MUTM Buybacks and Simultaneous Platform Launch
Another demand driver is the buy-and-distribute mechanism. Platform revenue from borrowing activity will be used to repurchase Mutuum Finance (MUTM) tokens from the open market. These tokens will be distributed to mtToken stakers, aligning rewards with real usage rather than emissions. As activity increases, consistent buy pressure supports price momentum and incentivizes long-term engagement.
Mutuum Finance (MUTM) expects to launch its platform and token simultaneously. Lending, borrowing, and staking will be live from day one, giving the token immediate utility. This coordinated rollout strengthens exchange listing prospects and provides traders and users with a working product rather than a promise.
Final Verdict
For community expansion, the platform also features an upgraded 24-hour leaderboard. Each day, the top participant earns a $500 MUTM reward by completing at least one transaction, with resets at 00:00 UTC. This daily incentive encourages ongoing activity and visibility within the ecosystem.
Mutuum Finance (MUTM) stands out as a defi crypto near $0.04 that combines disciplined development, audited security, and real economic activity. With presale momentum, structured growth drivers, and a clear path to launch, the project aligns with the same fundamentals that once powered Bitcoin (BTC)’s early rise. For investors focused on strategic crypto investing, the current phase represents a calculated entry point before higher valuations define the next stage of growth.
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.
