Polkadot (DOT) has seen a decline in momentum, main traders to discover different cryptocurrencies for potential breakouts. One such cryptocurrency gaining traction is Mutuum Finance (MUTM), a decentralized lending protocol at present in its presale Phase 5, priced at $0.03. Over $12.2 million has been raised, with 73% of this spherical offered, and the subsequent 20% value bounce to $0.035 is imminent.
Mutuum Finance (MUTM) affords extra than simply hype; it offers a complete DeFi lending suite, a sturdy token-based yield system, and good contract-based stability. With a complete provide of 4 billion tokens, a Token Scan rating of 95.00, and a CertiK Skynet rating of 77.50, it has attracted 13,100+ holders and a quickly rising on-line group. Lengthy-term traders are already rotating into this ecosystem earlier than it hits centralized exchanges at a deliberate value of $0.06.
In contrast to Polkadot (DOT), which focuses on multichain infrastructure, Mutuum Finance (MUTM) addresses a important hole in DeFi: dependable, versatile crypto lending with out central intermediaries. Customers will be capable to lend or borrow belongings instantly utilizing good contracts via Peer-to-Contract (P2C) or Peer-to-Peer (P2P) lending modules. For example, in the P2C mannequin, a consumer can deposit $10,000 value of BTC right into a lending pool, and a borrower can safe a mortgage utilizing $15,000 value of XRP at a 70% loan-to-value ratio, with charges adjusting mechanically primarily based on provide and demand. This serves as a passive yield alternative, the place depositors retain publicity to their blue-chip belongings whereas incomes curiosity.
The P2P mannequin affords full flexibility, permitting a borrower to submit DOGE as collateral to safe a $2,500 USDC mortgage at a negotiated 13% APR. This introduces peer-driven, custom-tailored lending, enabling even meme coin holders to unlock capital effectively. Each deposit mints a corresponding mtToken, similar to mtBTC or mtUSDC, which represents the consumer’s principal and tracks yield over time. As soon as staking swimming pools go reside after launch, customers can earn extra dividends by staking their mtTokens into protocol contracts, layering passive earnings on high of good lending.
The presale of Mutuum Finance (MUTM) is at present in Phase 5 at $0.03, with solely 27% of this spherical left earlier than costs bounce 20% to $0.035 in Phase 6. The ultimate itemizing value is ready at $0.06, already a 100% acquire for anybody getting into immediately. A well known crypto analyst, who precisely predicted Polkadot (DOT)’s rebound in 2020, now initiatives Mutuum Finance (MUTM) might attain $0.90 by mid-2026. That’s a 30X bounce from its present presale value, and each retail and institutional gamers are beginning to accumulate, with on-chain knowledge displaying rising curiosity throughout a number of wallets.
The platform will debut with a full-featured beta launch, full with its lending interface, mtToken engine, and non-custodial pockets integrations. Layer-2 compatibility will deliver low fuel charges and seamless scalability, important for long-term DeFi progress. Safety has additionally been a cornerstone of Mutuum Finance (MUTM)’s roadmap, with its good contracts present process an entire audit by CertiK, ensuing in a few of the highest presale-level safety scores in the market. Moreover, a $50,000 Bug Bounty is reside to reward moral hackers who assist stress-test the protocol earlier than its official rollout.
To amplify early momentum, Mutuum Finance (MUTM) has launched a $100,000 giveaway, the place 10 customers will every obtain $10,000 value of MUTM tokens merely for collaborating in the ecosystem’s early phases. This isn’t a challenge working on hype—it’s structured round tangible yield, actual utility, and a fast-closing window of alternative. With solely 27% of tokens left in Phase 5, and a list value set at double immediately’s value, the neatest transfer is to get in now—earlier than the remainder of the Polkadot (DOT) crowd realizes what they’ve missed.
