2025-9-21 11:24 |
Analysts are eyeing a $460 price target for Solana (SOL), suggesting further upside for one of the market’s most well-known layer-1 assets.
While that number excites institutional whales, retail investors are beginning to weigh whether crypto is a good investment when entry costs for bluechips are already high.
With SOL trading in triple digits, chasing a 2x or 3x move requires large capital. For many, the smarter path lies in presale projects still priced under a dollar but designed with long-term utility.
Mutuum Finance (MUTM) has emerged as one of those alternatives.
Sitting at just $0.035 in its presale, this DeFi protocol is building a lending ecosystem around stablecoin mechanics, mtToken staking with buybacks, and dual lending layers.
Its tokenomics and roadmap are structured in a way that analysts now point to a potential 1500% upside by next year—an outcome far easier to chase than SOL’s more modest rally.
Dual lending models driving utilityMutuum Finance (MUTM) will operate two complementary lending systems.
Peer-to-Contract (P2C) lending will handle bluechip assets and stablecoins, pooling deposits into audited smart contracts.
A lender supplying $25,000 BTC-equivalent into the mtBTC pool will receive mtBTC 1:1. At a 10% APY, the interest is calculated directly at 2,500.
Add the principal, and the total becomes 27,500 BTC-equivalent after one year.
This automated yield mechanism will allow lenders to grow holdings with predictable outcomes while maintaining flexibility to use mtTokens as collateral elsewhere in the system.
The Peer-to-Peer (P2P) model will serve a different purpose. Here, lenders and borrowers will directly agree on rates and terms.
Isolated from pooled liquidity, P2P will be the venue for higher-risk or less liquid assets, ensuring that the core pools remain stable while still giving users optionality.
The presale metrics already show strong traction. Out of a total supply of 4 billion MUTM tokens, Phase 6 is currently priced at $0.035 and has generated about $16M.
Over 16,450 holders have participated so far, with 44% of the 170M tokens allocated for this round already sold. Once Phase 7 begins, the price will rise 15% to $0.040.
For new entrants, that makes Phase 6 the last chance to secure tokens at $0.035.
Why 1500% upside is realisticBorrower interest will partially be captured by the reserve factor to offset defaults and shocks.
As borrowing activity grows post-launch, accumulated reserves will become deployable assets.
A stronger on-chain balance sheet will make Mutuum more attractive to users, increasing platform activity and indirectly supporting demand for MUTM when it is used in governance or utility roles.
Second, Deposit and Borrow Caps combined with the Restricted Collateral Mode will limit systemic risk.
By capping exposure to volatile assets, the protocol will make itself attractive to institutional treasuries.
For example, a certain allocation from treasuries into low-risk stablecoin pools would directly add to TVL and strengthen confidence in repayment guarantees.
Third, a Robust Oracle Strategy using Chainlink feeds with fallback oracles will guarantee accurate collateral valuations.
This will prevent undercollateralized lending, ensuring liquidations happen smoothly even during volatile market swings.
Together, these mechanics will justify the scaling required to reach that market cap.
Catalysts will accelerate the process. Layer-2 scaling will make transactions cheaper, allowing the platform to onboard millions of users during the beta launch.
As stable-rate borrowing is introduced, corporate treasuries seeking predictable costs will be drawn in.
Expected exchange listings on Binance, Coinbase, KuCoin, Kraken, and MEXC are expected to further deepen liquidity, while adoption of Mutuum Finance (MUTM)’s decentralized $1-pegged stablecoin will embed the project firmly into the DeFi market.
Confidence is reinforced by security and incentives. Mutuum Finance (MUTM) is under CertiK audit, with a TokenScan score of 90 and a Skynet score of 79, reviewed through both manual and static analysis.
The audit request was filed on February 25, 2025, with the revised completion timeline set for May 20, 2025.
To complement this, the platform has launched a $50,000 bug bounty program with rewards ranging from $200 for low-severity findings to $2,000 for critical ones.
On top of that, a $100,000 giveaway is live, where 10 winners will each secure $10,000 in MUTM tokens.
With analysts placing SOL at $460, whales may well continue to accumulate bluechips.
But for those looking at the crypto fear and greed index and choosing projects with stronger upside, Mutuum Finance (MUTM) is shaping up to be the alternative.
At $0.035 in Phase 6, it represents a presale entry that aligns innovation with accessible capital and a clear roadmap toward a 1500% run.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
The post Analysts target $460 on SOL, but a DeFi token might be best alternative to SOL for 1500% run appeared first on Invezz
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