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In 2018, Ethereum was trading under $100 while most traders dismissed it as another fading altcoin. Yet behind the scenes, it was building the foundation for decentralized finance. Years later, that same “undervalued phase” turned early believers into millionaires.

Analysts now see similar signs in Mutuum Finance (MUTM), a DeFi crypto protocol that is already developing a working lending ecosystem before its token even lists. With crypto prices today climbing across the market, this $0.035 presale is starting to look like Ethereum’s 2018 moment all over again.

There is a new update on the 24-hour leaderboard  where each day, the highest-ranked user will be rewarded with $500 in MUTM, as long as they complete at least one transaction within that 24-hour timeframe. The leaderboard resets automatically at 00:00 UTC daily.

Mutuum Finance (MUTM) is in Phase 6 of its presale at $0.035, with 68% already sold and more than 17,100 holders. The project has raised about $17.35 million across all phases.

Once this phase closes, the price will rise 15% to $0.040 in Phase 7, signaling the final discounted window before listing. Investors are taking notice of the numbers — the data shows growing momentum, and the timing aligns perfectly with rising DeFi interest.

The project’s design sets it apart from typical presale tokens. Mutuum is planning that it will launch its live protocol and token at the same time.

This means that from day one, users will interact with real lending pools, interest-earning mtTokens, and on-chain transactions that generate real revenue. Analysts view this “dual launch” model as a game-changer because it gives instant liquidity and organic trading volume that most presales lack.

Mutuum Finance (MUTM) will operate two lending models that blend scalability with personalization. The first is Peer-to-Contract (P2C), where users will deposit assets such as USDT or ETH into audited smart contracts.

These deposits will supply liquidity for borrowers while generating passive income. When a user lends, they will receive mtTokens, which represent their share in the pool plus interest. For example, someone lending $15,000 USDT will receive mtUSDT 1:1 and may earn about $2,250 in interest per year at an average 15% APY.

On the borrower side, Mutuum’s overcollateralized model will ensure system safety. A borrower posting $1,000 worth of BTC will be able to access up to 75% of that amount, depending on the asset’s Loan-to-Value ratio. This controlled framework keeps the protocol liquid even in volatile conditions, maintaining fair exposure limits.

The second lending model, Peer-to-Peer (P2P), will cater to tokens outside main liquidity pools — such as meme or niche assets. Here, lenders and borrowers will agree on custom terms. It’s a flexible layer that expands access without compromising core stability.

Together, these two models will allow Mutuum to scale like a major DeFi network while staying user-driven.

Upon the full release, users will be able to experience the real lending, borrowing and staking on Layer-2 setup.

The flawless quickly executed transactions appreciate more participation and hence more liquidity will flow within the platform. More circulation means more demand for MUTM which will help increase the price in the longer run.

Unlike many early tokens, Mutuum Finance (MUTM) will tie its token utility directly to on-chain activity. Every loan, repayment, liquidation, and staking action will create demand for MUTM.

The platform’s future stablecoin — pegged to $1 and minted only against collateral — will enhance liquidity while supporting price stability.

Revenue from the platform will fund open-market MUTM buybacks, and these repurchased tokens will be redistributed to stakers.

This process works like dividends in traditional finance, rewarding holders with a continuous value flow. Stakers will earn MUTM rewards on their mtTokens, reinforcing a cycle of yield and buyback that strengthens the ecosystem’s tokenomics over time.

Mutuum’s progress also extends to its upcoming launch of V1 of the protocol on Sepolia Testnet in Q4 2025. It will feature the Liquidity Pool, mtToken, Debt Token, and Liquidator Bot with assets like ETH and USDT.

This testnet will mark a visible milestone in the project’s roadmap, confirming that its technology development is moving in sync with its token growth.

Early investors are already seeing the value curve. Someone who purchased $10,000 worth of MUTM in Phase 1 at $0.015 now holds 667K tokens valued at $23.5K in Phase 6 — a 2.3x value gain before listing.

When analysts apply their crypto predictions based on ETH’s early trajectory, the case becomes even stronger. If MUTM repeats Ethereum’s early multiplier effect, the same investment would soon be worth $233K at $0.35. That’s the kind of upside that defines early-stage opportunity.

Security and transparency remain key strengths. Mutuum has completed its CertiK audit with a TokenScan Score of 90.00 and a Skynet Score of 79.00. It also maintains a $50,000 bug bounty program to encourage ongoing security testing.

Beyond that, an active $100,000 giveaway — with 10 winners set to receive $10,000 each in MUTM — further boosts community engagement and visibility.

Mutuum Finance (MUTM) is proving that DeFi can combine innovation, audit-backed safety, and direct value creation. With 68% of Phase 6 already sold and a 15% price jump ahead, this presale stands at a crucial turning point.

For investors watching crypto prices today and looking for the next undervalued project with real mechanics, Mutuum Finance (MUTM) may define the ETH-2018 moment of 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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