Bitcoin (BTC) has once again taken the spotlight after surging past $125,000. But while retail traders chase the rally, large investors are quietly building positions in another rising star — Mutuum Finance (MUTM).

This upcoming DeFi project has already secured over $17.05 million in its presale, drawing strong whale attention as the next big opportunity before the next wave of crypto ETF inflows hits.

Mutuum Finance (MUTM) is now in Phase 6 of its presale, with the token priced at $0.035 and 60% of the phase already sold out. The next stage will lift the price to $0.04, marking a 15% increase that many investors expect to trigger a rapid sell-out.

The project has more than 16,850 holders so far, with a total token supply of 4 billion MUTM. As the lending and borrowing platform prepares for its launch, the excitement among early backers is growing stronger each week.

Mutuum Finance (MUTM) is not just another name among new crypto coins. It introduces a practical way to lend and borrow assets while keeping the entire process transparent and collateral-backed.

Its dual model—Peer-to-Contract (P2C) and Peer-to-Peer (P2P)—will soon allow users to lend or borrow across two distinct environments.

The P2C model will serve stable and blue-chip tokens like ETH, BTC, and USDT. For instance, a user lending $25,000 worth of BTC will receive 25,000 mtBTC tokens, representing their deposit share. With an expected annual yield of 10%, this lender will earn $2,500 in interest after one year.

These mtTokens will later be staked to earn MUTM rewards, amplifying returns through the platform’s reward cycle.

The P2P system, on the other hand, will open lending access to riskier community-driven assets such as DOGE, and PEPE. Borrowers and lenders will negotiate their own terms directly through smart contracts, making this system ideal for users seeking higher returns with more control.

The platform’s liquidation bot and Stability Factor will monitor each loan’s health in real time. If collateral value drops below the safe threshold, the system will trigger liquidation instantly, allowing liquidators to repurchase debt at a discount. This approach will help prevent liquidity crises and maintain overall system stability.

Beyond lending, Mutuum Finance (MUTM) will feature a collateral-backed stablecoin that will be minted only when users borrow and burned when they repay loans. This mechanism will link the stablecoin’s supply to real market activity.

Governance will adjust interest rates to maintain a $1 peg—raising them when the price drops and lowering them when demand surges. Arbitrage actions will further stabilize the peg, ensuring smooth use for payments and lending across the network.

One reason whales are confident in Mutuum Finance (MUTM) is its strong focus on transparency and security. The project has undergone a detailed CertiK audit, earning a Token Scan Score of 90.00 and a Skynet Score of 79.00 through Manual Review and Static Analysis.

To further enhance reliability, Mutuum Finance (MUTM) has introduced a 50,000 USDT Bug Bounty Program, rewarding white-hat hackers up to $2,000 for identifying vulnerabilities.

Community engagement is another major strength. The platform has over 12,000 Twitter followers and is running a $100,000 giveaway, where ten winners will each receive $10,000 worth of MUTM tokens.

The live dashboard and Top-50 leaderboard already allow investors to track holdings in real time.

Mutuum Finance (MUTM)’s four-phase roadmap outlines a clear path toward mainstream adoption. Phase 2 will bring full smart contract completion and backend optimization. Phase 3 will include testnet beta releases, external audits, and exchange preparation.

Finally, Phase 4 will introduce exchange listings, live platform deployment, MUTM claim activation, and institutional partnerships. These developments will work as catalysts for strong market demand when the platform goes live.

The numbers already speak for themselves. An early investor who bought $5,000 worth of MUTM in Phase 1 at $0.01 secured 500,000 tokens. At today’s presale price of $0.035, those tokens are now valued at $17,500—a 250% increase.

When the listing reaches $0.06, that same position will be valued at $30,000, translating into a 500% ROI. Analysts tracking DeFi growth expect the momentum to extend even further once exchange listings expand visibility and staking programs begin distributing buyback-based rewards.

Mutuum Finance (MUTM) wants to tell the kind of early-stage development story that made some of the best-performing crypto coins in the past. As Bitcoin (BTC) continues to rise and institutions invest more in crypto ETFs, investors are seeking good new projects that offer income, utility, and transparency.

The presale, which is currently 60% sold out, is one of the last chances to get in before the price goes up to $0.04. Mutuum Finance (MUTM) is the startup that will lead the next wave of on-chain loan innovation.

This is because BTC is staying above $125,000, and liquidity is flowing back into DeFi marketplaces. The timing could not be better for investors who want to get into high-growth stocks in 2025.

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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