As global crypto prices start recovering, investor attention is shifting from large-cap names to smaller DeFi projects showing real utility and measurable growth. Among these, Mutuum Finance (MUTM) is drawing analyst focus as a presale-stage token designed to reward long-term holders through lending yields and continuous buybacks. It combines practical borrowing mechanics with revenue-based rewards that many larger networks still lack.

XRP — Slower Regulatory Path

XRP remains focused on cross-border payments and legal clarity. Its price movement often follows court updates or regulatory news instead of organic market growth. While its network is efficient, long-term ROI has been limited by external factors rather than on-chain adoption. Mutuum Finance (MUTM) differs because its value drivers are entirely on-chain — yields, staking rewards, and token buybacks tied to protocol revenue. This makes MUTM more directly aligned with its user base than tokens waiting for regulatory green lights.

Cardano (ADA) — Strong Research, Slower Adoption

Cardano (ADA) is known for its academic foundation and scientific approach to blockchain development. However, its DeFi layer and yield products have been slower to build. Mutuum Finance (MUTM) will take a more direct path by focusing on active lending and borrowing systems from launch — offering participants clear utility and income streams. This practical approach is why analysts expect MUTM to achieve faster ROI growth compared with ADA in the near term.

Why Mutuum Finance (MUTM) Is Gaining Ground

Presale is one of the best factors that is attracting many buyers during this crypto crash. Mutuum Finance (MUTM) is currently in Phase 6 of its presale where the token price stands at $0.035. Overall with about $17.25 million already raised and more than 17,000 holders. Roughly 65% of the 170 million tokens allocated for this phase have been purchased. Phase 7 will raise the price to $0.040 — a 15% increase — marking the last discounted entry window before the next jump. The total supply is 4 billion MUTM.

An early investor who joined Phase 1 ($0.01) with $10,000 worth of ETH and SOL received 1 million MUTM. At the current $0.035 presale price, that holding is now valued at $35,000 — a 3.5x gain (+250%). When the planned listing price reaches $0.06, the same stake will reach $60,000. Analyst projections for $0.24 after listing place that holding at $240,000 — a 24× return (+2,300%).

This growth pattern comes from two clear design strengths: on-chain lending and revenue-driven buybacks. These will create continuous buying activity from protocol earnings, adding natural demand pressure as the ecosystem expands.

Unique Dual Lending Model That Appreciate the Demand

Users will be able to lend assets through the Peer-to-Contract (P2C) model. For example, a lender depositing $15,000 USDT into the pool will receive mtUSDT tokens at a 1:1 ratio. Assuming an average 15% annual yield, this position will generate $2,250 in passive income while the principal remains available, subject to pool liquidity.

Borrowers will secure loans by posting collateral. A user posting $1,000 worth of ETH will be able to borrow up to 75% LTV (loan-to-value), or $750. This system lets users access liquidity without selling their long-term assets.

Mutuum Finance (MUTM) will also launch a Peer-to-Peer (P2P) layer where tokens like PEPE or SHIB can be loaned and borrowed in direct agreements. Lenders will set rates based on risk, creating a separate market for less-liquid assets without affecting the main pools.

Perpetual Buy-and-Distribute System & Beta Roll Out

Part of Mutuum’s revenue — from interest spreads and liquidation fees — will be used to buy MUTM tokens on the open market. These tokens will then be distributed to mtToken stakers as rewards. This creates a continuous buying cycle linked to protocol activity, making the token economy directly benefit active participants.

Additionally before potential listing on top known exchanges, Mutuum Finance (MUTM) will launch a beta phase to show real mtToken yields and lending flows. This will increase trust and total value locked (TVL) ahead of potential exchange integration. To bring more practicality, recently the team has announced the launch of V1 of the protocol on the Sepolia Testnet that will cover ETH and USDT assets with liquidity pools, debt tokens, and a liquidator bot.

The protocol will apply LTV rules to manage market volatility: stablecoins and ETH up to 75% LTV (80% liquidation threshold), while volatile assets stay within 35 to 65% ranges. Reserve factors between 10 and 55% will add further safety layers. These LTV rules bring more stability throughout the lending experience thus appreciating large investments without any exposed risk. This reliability ensure trustworthy environment and more activity will eventually take MUTM demand up.

Final Verdict — A Last Discounted Window

With 65% of Phase 6 already sold and the next phase set to raise the price to $0.040, this presale phase is the last opportunity to enter before the 15% increase. Mutuum Finance (MUTM) combines real DeFi utility and governed buybacks that will directly benefit its participants. Analysts tracking crypto prices and ROI performance expect the token’s economic structure to outperform legacy projects like XRP and Cardano (ADA) for early participants who join before the next price step.