Solana (SOL) whales have been quietly buying the dip, showing confidence that SOL will remain a core layer-1 asset. Yet retail investors, priced out of large capital moves, are scanning for opportunities that carry much higher upside. The shift is natural: while whales can afford to accumulate bluechips, everyday investors will be drawn to utility-driven presale projects that combine innovation, traction, and an entry price accessible to all.
Mutuum Finance (MUTM) is one of those projects. Still in presale, it is building a DeFi platform around a decentralized stablecoin, mtToken staking with buybacks, and a dual-layer lending system that separates bluechip pools from riskier assets. This product-led approach is exactly what many retail investors are looking for as they weigh whether is crypto a good investment in today’s climate.
How Mutuum Finance (MUTM) Will Reinvent DeFi
Mutuum Finance (MUTM) will rely on two distinct lending models. Peer-to-Contract (P2C) will handle major assets like ETH, BTC, and stablecoins. Here, deposits flow into audited liquidity pools managed by smart contracts. A depositor supplying $10,000 ETH-equivalent into the ETH pool will receive mtETH 1:1. With an annual yield of 14%, the balance after one year is clear 1,400. The final total becomes 11,400 ETH-equivalent. This model shows why crypto investing is gaining momentum: it aligns user returns with scalable, contract-driven systems.
The Peer-to-Peer (P2P) layer will serve an entirely different purpose. Here, lenders and borrowers will directly negotiate terms. Unlike P2C, these agreements are isolated from pooled liquidity, making it possible to handle higher-risk assets without endangering the stability of the broader platform. Together, P2C and P2P will form a complementary system designed for both institutional-grade assets and niche tokens.
The presale numbers demonstrate strong demand already. Out of a total supply of 4 billion MUTM, Phase 6 is priced at $0.035 and has generated about $16M. Over 16,450 holders have participated, with 44% of the 170M tokens allocated for this phase already sold. Phase 7 will raise the price to $0.040, a 15% increase. That makes the current phase the last entry point at $0.035 before the next upward step.
Why a 60x Surge Is on the Table
At $0.035 today, a 60x return would set the target price at $2.10. With a total supply of 4 billion tokens, that would imply a market cap of $8.4B. The pathway to that valuation is supported by four mechanisms that Mutuum Finance (MUTM) will put in place.
First, Layer-2 scaling will allow the platform to operate with low fees and high transaction throughput, bringing DeFi access to millions of users. Second, the beta launch will onboard early adopters who will be able to interact with the system before the full release.
Third, mtToken staking with open-market buybacks will channel a portion of platform revenue into purchasing MUTM tokens and distributing them to stakers, creating continuous reinforcement for demand. Fourth, enhanced collateral efficiency paired with a utilization-based interest model will drive stable returns for lenders while ensuring borrowers always face market-driven costs. These features will not only justify a multi-billion-dollar TVL but also sustain the revenue required for long-term buyback activity.
Expected exchange listings will amplify these fundamentals. With expectations around listings on Binance, Coinbase, KuCoin, Kraken, and MEXC, Mutuum Finance (MUTM) will benefit from deep liquidity and transparent price discovery. This level of accessibility will draw both institutional flows and retail participation, which together will expand demand for MUTM across regions.
Investor trust will also be reinforced by the platform’s focus on risk management. Borrow caps, restricted collateral, and liquidation incentives are being designed to keep markets balanced. Price discovery will rely on Chainlink oracles with fallback systems, giving lenders confidence that collateral valuations remain accurate even during volatility.
Security incentives are also central. Mutuum Finance (MUTM) has been undergoing a CertiK audit using both manual review and static analysis. Its TokenScan Score stands at 90 and Skynet Score at 79, with the review timeline revised to May 20, 2025. Alongside this, a $50,000 bug bounty program has been allocated with rewards from $200 for low-severity findings up to $2,000 for critical vulnerabilities. On the community side, a $100,000 giveaway is active, where 10 winners will each secure $10,000 worth of MUTM.
Numbers also show the importance of timing. A Phase-1 buyer who entered at $0.01 has already seen 3.5x gains before listings or launch. Even a new Phase-6 buyer will see value unlocked as soon as Phase 7 begins, with the price lifting 15% to $0.040. This is where the crypto fear and greed index becomes relevant: while markets cycle between hesitation and enthusiasm, utility-driven projects like Mutuum Finance (MUTM) give investors a product-led reason to act decisively.
Solana (SOL) whales will keep holding their bluechips, but retail traders searching for scale will look elsewhere. Mutuum Finance (MUTM) is shaping up to be that alternative, combining stablecoin mechanics, yield, buybacks, and exchange catalysts into a single platform. At $0.035 in Phase 6, this presale offers the last window before the next price move.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance