Once Phase 6 begins, that will climb 20% to $0.035. With early projections forecasting a 300% surge by listing and significantly more beyond, retail investors are now scrambling to get in before the price gap widens.

One striking on-chain case stands out: a whale wallet that reallocated $50,000 worth of AVAX into Mutuum Finance (MUTM) back in Phase 2, when the price was just $0.015.

That same wallet now holds over $100,000 worth of tokens—pure paper profit, with the listing price still pegged at $0.06. And once the protocol launches and the lending volume kicks into high gear, that 2x gain could evolve into 4x or even more.

At its core, Mutuum Finance (MUTM) will be a decentralized, non-custodial lending and borrowing protocol that brings together the best of both worlds.

It will support both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending structures—something very few DeFi projects will offer within a single platform.

P2C will allow users to lend top-tier assets like BTC, ETH, BNB, and SOL directly to liquidity pools and earn interest.

These pools will dynamically adjust APY based on utilization, rewarding lenders generously during periods of high borrowing activity.

Meanwhile, borrowers will be able to post overcollateralized assets and receive instant liquidity in USDC, DAI, or other stablecoins—all without needing to sell their crypto.

For example, someone who deposits $15,000 worth of BTC will be able to borrow up to $11,250 in USDC at a 75% loan-to-value ratio.

That will unlock immediate capital for yield farming, covering short-term expenses, or deploying into other crypto opportunities, without ever triggering a taxable event from selling the original BTC.

P2P lending on Mutuum Finance (MUTM) will take things a step further, unlocking a market few protocols will touch. Holders of meme tokens like Dogecoin (DOGE), Shiba Inu (SHIB), and Pepe (PEPE) will be able to create or accept custom lending agreements with other users.

Everything will be governed by smart contracts, ensuring trustless execution and automatic liquidation rules to protect both parties. The terms—duration, APR, and collateral—will be fully customizable by users themselves. It will be a niche offering, and it will start attracting the attention of communities hungry for new utility.

Depositors on Mutuum Finance (MUTM) don’t just earn interest—they also receive mtTokens, such as mtETH or mtUSDT, in return. These ERC-20 compliant tokens reflect both the initial deposit and the accrued interest.

But that’s not all. mtTokens can be staked in specialized smart contracts. These contracts are funded through protocol revenue buybacks of MUTM tokens, which are redistributed to mtToken stakers.

This system creates passive income streams while applying upward price pressure on MUTM through market purchases—an elegant, investor-aligned feedback loop.

The development team has also revealed its plan for a decentralized, overcollateralized stablecoin. This stablecoin will be minted only by approved issuers, backed entirely by protocol assets, and burned upon loan repayment or liquidation.

It will add depth to Mutuum Finance (MUTM)’s treasury system and increase platform-wide liquidity, while also creating another anchor of value for the ecosystem.

Security, often the missing piece in early-stage DeFi, is front and center at Mutuum. The smart contracts have already passed through a comprehensive audit conducted by CertiK, receiving a Token Scan score of 95.00.

Beyond the audit, a $50,000 Bug Bounty has been launched to attract ethical hackers and whitehat developers willing to stress-test the platform before mainnet goes live.

These efforts send a strong signal to both retail and institutional investors: Mutuum Finance (MUTM) is taking every step to ensure this is a secure, long-term protocol. As for visibility, a $100,000 giveaway is running in parallel, offering 10 winners a massive boost as the token prepares for listing.

Mutuum Finance (MUTM)’s roadmap continues to build anticipation, with smart contract development, DApp front- and back-end engineering, demo launch, exchange listings, and Layer-2 expansion all planned in sequence.

From AI-powered helpdesks to institutional onboarding, the project is structuring itself not just for a launch, but for long-term growth and usability.

Whales have already moved. But retail still has a window—one that’s closing rapidly. Phase 6 will increase the price to $0.035, and those who delay will face higher entry points.

Whether you’re looking to lend, borrow, stake, or earn passive rewards, Mutuum Finance (MUTM) is shaping up to be a complete DeFi platform.

This might be the final opportunity to catch one of the year’s most utility-driven protocols before the next surge.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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