Professional portfolio managers are moving more and more money from idle large‑cap crypto holdings into yield‑first DeFi protocols that make steady income and boost demand for cleaner tokens. In this situation, Mutuum Finance (MUTM) is getting a lot of attention as a very useful, money‑making tool that is ready to give huge returns before the next big market surge. Analysts think that MUTM will grow very quickly because it has a structured lending environment, a new stablecoin, and protocol incentives that directly link usage to token demand.
Dual Lending Model
Mutuum Finance (MUTM) is currently in Phase 6 of its presale at $0.035, with approximately $16.8 million raised so far. Around 55 % of the 170 M allocated tokens have already been claimed, and holders exceed 16,750. The total token supply is 4 B MUTM. The upcoming Phase 7 will increase the price to $0.040, a 15 % step‑up. The Mutuum Finance (MUTM) team has announced development of its lending and borrowing protocol, targeting V1 deployment on the Sepolia Testnet in Q4 2025. Initial supported assets will include ETH and USDT, marking the start of its dual lending ecosystem.
Mutuum Finance (MUTM) will use a dual lending approach to find a good balance between stability and adaptability. Stablecoins and blue‑chip assets will be handled by P2C pools, which will offer deep liquidity for stable returns and institutional involvement. P2P desks will help create separate markets for tokens with higher risk or volatility. This will let speculative or niche loans get access to capital without putting the whole system at risk. This design makes sure that the platform can handle both low‑risk, yield‑focused users and users looking for higher‑risk opportunities.
To show how Mutuum Finance (MUTM) will work in real life, a professional allocator will put $15,000 USDT into the mtUSDT pool and get back 1:1 mtUSDT coins. With an average APY of 15 %, which depends on how much the pool is used, this deposit will earn $2,250 in interest every year. As a borrower, putting up $1,000 worth of ETH as collateral will open 75 % LTV. This gives the borrower access to $750 in lending liquidity while keeping their exposure to the price of ETH going up. These processes show how stable, predictable returns and borrowing with too much collateral will encourage regular use, which will feed the token demand loop.
Demand Drivers That Will Produce 1000%
Analysts think that Mutuum Finance (MUTM) has a number of protocol‑level features that will lead to huge demand for tokens and a possible 1000 % increase before the bull run. First, the reserve factor will put some of the borrower’s interest into on‑chain funds that will be used for controlled buybacks and incentives to stake. This method connects money‑making to the need for tokens, making a cycle of decreasing quantity and giving rewards.
Second, the buy‑and‑distribute system will turn some of the fees and penalties for liquidation into MUTM on the open market and give the tokens to people who have staked mtTokens. This establishes a straight link between TVL‑generated fees, fees that pay for buybacks, and buybacks that maintain demand.
Third, the beta launch and Layer‑2 spread will improve the user experience (UX) and lower fees, which will increase the number of daily users and loans. More activity will bring in more fee money, which will feed the buyback and staking loop more effectively.
Finally, Chainlink main feeds with fallback and aggregated oracles will be used by the platform’s price discovery system. This will make the system more stable, which will cut down on risky liquidations, bring in big investors, and increase the fee base, which will boost both TVL growth and token demand.
Mutuum Finance (MUTM) will also highlight its security and credibility. The CertiK audit will report Token Scan and Skynet Scores of 90.00 and 79.00 respectively. The platform will maintain a $50,000 bug bounty program with tiered rewards for vulnerabilities and a $100,000 giveaway for community engagement, rewarding 10 winners with $10,000 each. A dashboard and Top 50 leaderboard will further drive community participation and transparency.
There are already 55 % of MUTMs sold in Phase 6 of the presale, and the price will soon go up to $0.040 in Phase 7. Investors who act now will get early access to a DeFi platform that combines predictable borrowing, staking backed by income, and demand driven by buybacks. Now that these features are in place, Mutuum Finance (MUTM) will offer one of the best chances for optimistic crypto estimates and big price increases in crypto right now.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance