The market has been rough lately. A crypto crash has pushed many investors to look away. Yet experienced analysts often search for value during uncertainty. One name that keeps coming up is Mutuum Finance (MUTM). At a current presale price of $0.04, some believe this defi crypto is setting up for a strong upside as fundamentals begin to align.
A $0.04 Entry Point With Clear Presale Momentum
Mutuum Finance (MUTM) is currently in presale phase 7, with the token priced at $0.04. The total supply is fixed at 4 billion tokens. When all presale phases are combined, around $19.70 million has already been generated, showing steady capital inflow rather than short-term hype. More than 18,800 holders have joined across all phases, reflecting broad participation and growing trust.
Phase 7 itself has an allocation of 180 million tokens, and 5% of this phase is already sold out. This steady absorption highlights consistent demand at the current level. The presale structure shows a clear price progression toward later phases and a planned listing price of $0.06. Buying at $0.04 instead of $0.06 represents a 50% difference before the token even reaches the market.
Early buyers have already seen strong gains. An investor who shifted part of a portfolio from ETH into Mutuum Finance (MUTM) during phase 1 at $0.01 now sits at a 300% value increase by phase 7. At $0.04, that same position has already multiplied four times. When compared to the planned listing price of $0.06, the gain from phase 1 reaches 500%. Analysts tracking post-listing dynamics project a move toward 6x from the earliest entry, aligning with the 600% discussion around this token.
Projects Credibility and Audit Report
Credibility is a major concern in today’s market. Mutuum Finance (MUTM) stands out because the presale is fully legitimate. The team has been active since early 2025 and has followed its roadmap with discipline. Key milestones have been delivered on schedule, community growth has been organic, and a fully functional protocol launch is approaching. This consistent execution separates the project from short-lived schemes and positions it as a serious long-term venture.
Security has also been addressed directly. In November 2025, Mutuum Finance (MUTM)’s smart contracts underwent a formal audit by Halborn. The review identified six issues, including one high-severity item. All findings were fully resolved before completion, and Halborn confirmed 100% remediation.
Mutuum Finance (MUTM)’s Lending Models Explained
Mutuum Finance (MUTM) is building a lending and borrowing protocol designed to generate real usage from day one. The platform will support dual lending models, Peer-to-Contract and Peer-to-Peer, each serving different risk profiles while driving demand for MUTM through platform activity.
In the P2C model, users will pool assets such as USDT, DAI, ETH, and BTC into audited smart contracts. Borrowers will access liquidity by providing overcollateralized positions. Interest rates will adjust dynamically based on pool usage, creating balance between lenders and borrowers. Depositors will receive mtTokens that represent their share of the pool and accrued interest. These mtTokens will also be usable as collateral, adding flexibility and efficiency.
A practical example shows the appeal. A user lending $15,000 in DAI will receive mtDAI at a 1:1 ratio. With an average APY around 10%, that position generates $1,500 in passive income over a year. On the borrowing side, someone holding $10,000 worth of BTC can borrow up to 80% of that value without selling their asset. This preserves market exposure while unlocking liquidity.
For higher-risk assets, the P2P model will allow direct negotiation between lenders and borrowers. Tokens like DOGE or SHIB will remain isolated from core pools, protecting overall system stability while offering higher return opportunities. All loans will be overcollateralized and monitored through a Stability Factor. Liquidation mechanisms ensure bad debt does not spread across the protocol.
Market volatility and liquidity management are central to the protocol’s design. Loan-to-Value ratios, liquidation thresholds, and reserve factors are adjusted based on asset risk. Stable assets like ETH and stablecoins support higher LTVs around 5%, while more volatile tokens are capped lower. This structure protects solvency while allowing broad participation.
V1 of the Protocol Launch and Future Growth
Mutuum Finance (MUTM) announced through its official X profile that the V1 of its protocol is set to roll out on the Sepolia Testnet in the near future. This initial deployment will introduce the platform’s core operating layers, including the liquidity pool structure, mtToken and debt-token systems, and an automated liquidator bot designed to manage collateral risk and maintain protocol stability. During this phase, users will be able to lend, borrow, and use ETH or USDT as collateral.
Releasing V1 on the testnet allows the community to interact with the protocol before its mainnet launch. This gradual rollout supports transparency, encourages early user involvement, and helps the team gather meaningful feedback for further improvements. As participation grows and awareness increases, confidence in the ecosystem may strengthen, contributing to sustained interest and long-term demand for the MUTM token.
Another key driver is the buy-and-distribute model. A portion of platform revenue from borrowing activity will be used to buy MUTM from the open market. These tokens will then be distributed to mtToken stakers. This creates continuous demand tied directly to real usage, rewarding active participants instead of relying on inflation-based incentives.
Mutuum Finance (MUTM) expects to launch the platform and list the token at the same time. This synchronized release gives users immediate access to live lending features and gives the token instant utility. Working products often attract exchange attention faster, which supports the visibility and trading activity expected after listing.
Final Verdict
At $0.04, Mutuum Finance (MUTM) sits at a point where risk and reward appear balanced in favor of growth. Strong presale traction, audited contracts, real utility, and a clear revenue-driven demand model all support the analysts’ 600% discussion. For investors looking beyond short-term noise and focusing on structured value, this presale phase offers a compelling entry before the next price steps arrive.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
