Unlike meme-driven tokens with no underlying substance, Mutuum Finance (MUTM) is entering the DeFi arena with a fresh yet utility-driven protocol. It’s preparing to launch a multi-layered platform that combines overcollateralized borrowing, mtToken staking, and an interest-bearing stablecoin. With a beta release scheduled to roll out at listing and major exchange visibility expected, all signs point toward an aggressive demand wave that could push MUTM well past its initial targets, possibly even touching $1 before Bitcoin (BTC) reclaims its previous high. A new contender backed by functionality At the time of writing, Mutuum Finance (MUTM) is in Phase 6 of its ongoing presale, priced at just $0.035 per token. With 7% of this round’s allocation already acquired and over $13.85 million raised across earlier phases, investor momentum is building. This phase has a hard allocation of 170 million tokens, and once it’s fully subscribed, the price will jump by 15% to $0.040 in Phase 7. Early adopters who swapped $2,000 worth of AVAX back in Phase 1 at $0.01 are already sitting on a 3.5x gain. With listing price confirmed at $0.06, that gain will widen to 6x. But what’s truly striking is that a $0.01 buy reaching $1 equals a 100x return. As more buyers enter with the listing on the horizon, a token like MUTM—which operates in a sector poised for mainstream usage—can’t stay underpriced for long. What sets this project apart is not just the price action, but the architecture it’s about to deploy. Mutuum Finance (MUTM) is preparing to introduce its smart contract-powered borrowing and lending ecosystem. The system will function through two parallel models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). Under the P2C model, users will be able to lend popular assets such as ETH, USDT, or BTC into non-custodial pools. For instance, a user depositing $4,000 worth of ETH into the lending pool can earn an estimated 7.8% APY, which amounts to $312 annually. On the other side of the transaction, a borrower looking to unlock liquidity will be able to post ETH at a 70% loan-to-value (LTV) ratio and access up to $2,800 in stablecoins without selling their assets. This model operates seamlessly, with rates adjusting automatically based on pool usage, meaning it’s fully passive for lenders and instantly accessible for borrowers. Meanwhile, the P2P system will allow users to negotiate private loan terms directly with one another. This model is designed for those seeking custom deals or looking to collateralize riskier altcoins that may not be eligible for P2C. With this flexibility, the platform addresses a wider range of DeFi participants—from casual users to sophisticated traders—creating a flywheel of organic engagement. Price explosion likely upon beta launch and listings What’s building even more excitement is that none of these features are live yet—everything is being launched at listing. With the beta version of Mutuum Finance (MUTM)’s protocol set to drop right alongside the token’s debut on the market, the timing couldn’t be more strategic. Beta users will be among the first to test lending, borrowing, and mtToken staking—all at a time when visibility will be exploding, thanks to the listing on multiple exchanges. As word spreads and functionality goes live, it’s realistic to expect more users interacting with the platform, locking assets, and minting the soon-to-launch stablecoin. The added buzz of expected listings on major exchanges such as Binance, KuCoin, MEXC, or Coinbase will significantly expand awareness. New users entering via these top-tier exchanges will encounter a project not only promising utility but delivering on it in real time. And when buyers see a live product with working systems and a fully diluted valuation still under hundreds of millions at launch, demand will inevitably rise. The utility and roadmap are further reinforced by strong community activity—Mutuum Finance (MUTM) already boasts over 12,000 followers on Twitter, a $100,000 giveaway for early supporters, and a $50,000 bug bounty partnership with CertiK. Its security ratings are also solid: a 95.00 Token Scan Score and 78.00 Skynet rating, validating its technical groundwork. With so many catalysts converging at once—beta release, staking, stablecoin launch, lending models, exchange listings—there’s a compelling case that MUTM might cross the $1 threshold even before Bitcoin enters its final bullish phase. For those entering at the current $0.035 price, the upside is undeniable. The window is still open—but not for long. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Mutuum Finance may break $1 before BTC hits new all-time high appeared first on Invezz
