PEPE Bulls Cling to Hope—But Mutuum Finance (MUTM) Is Stealing the Long-Term Spotlight

Memecoins ride hype, but smart money's shifting gears.

While PEPE holders white-knuckle their bags, analysts are whispering about a darker horse: Mutuum Finance (MUTM). No viral frogs here—just protocol mechanics quietly printing runway.

The real twist? Both could get trampled by Bitcoin's next halving cycle. (Wall Street's already placing bets—with your pension fund.)

The MUTM Token Presale

Mutuum Finance (MUTM) has raised over $11.2 million in its ongoing presale so far. The presale is in phase 5, where tokens are going for $0.03 each, which is a 20% increase from the phase 4 price of $0.025. In the upcoming phase 6 of the presale, the token price will go up by 16.67% to $0.035.

The presale price has been going up since phase 1, when tokens were selling for $0.01. This gradual price increase is expected to continue until the listing price of $0.06. It is designed to ensure that the earliest supporters of the project get the biggest gains.

Tokens in the current phase are going for a 50% discount on the planned listing price, which has been a major driver of participation. So far, around 12,450 buyers have secured their MUTM tokens in the presale. Due to the massive discount, 50% of the tokens set aside for phase 5 of the presale have been sold, less than a month after they launched.

Another major catalyst for the presale is the expected launch of a beta version of the platform on day one of the token listing. This beta version launch is forecast to generate a lot of organic discussions on social media, which will boost visibility for the MUTM tokens.

As people explore the beta platform and discover all the wonderful features that Mutuum Finance (MUTM) has to offer, it will inspire them to add to their piles. Additionally, it will convince doubters that this is a genuine project, and they will finally get their tokens, minus the 50% discount that is available in the current phase of the presale.

Besides the beta version launch, the fact that Mutuum Finance (MUTM) is CertiK audited has been a critical factor in the success of the presale so far. The project has received a Token Scan Score of 95 from CertiK, which continues to drive presale participation numbers to new heights.

Details Of The Mutuum Finance (MUTM) Protocol

Mutuum Finance (MUTM) is a blockchain-based lending protocol where users can participate as borrowers, lenders, or liquidators. As lenders, they deposit their funds in the protocol to earn interest as passive income. The interest, or annual percentage yield (APY), is based on the pool utilization rate.

As the activity in a given pool rises due to borrowers taking loans, the interest rate in that pool starts to rise. That pushes borrowers to repay their loans, while also incentivizing lenders to deposit more assets in the pool to benefit from the rising yields in the pool.

The process raises liquidity in the pools, which ensures the long-term stability of the ecosystem. At the same time, it lowers the interest rate, which attracts borrowers to take affordable loans. This process creates a positive feedback loop that ensures optimal capital efficiency.

The protocol features numerous protections for lenders’ capital. One of these protections is overcollateralization, which entails borrowers depositing assets of a higher value than the loan they take. The exact level of the overcollateralization is based on various factors individual to each asset.

For instance, when USDT is used as collateral, 1 USDT may be allowed to borrow up to 75% of its actual value. The reason for this is that USDT is known to be stable and poses no challenges for the protocol’s stability. For another asset that has higher volatility, that level might be placed at around 40%. This ensures that there is enough of a buffer to deal with any sudden dips in the value of collateral by liquidators.

Conclusion

Mutuum Finance (MUTM) is an awesome project, and the MUTM tokens could be your best bet at massive gains in 2025. With a 50% discount available right now, this is one opportunity you should not miss. 

For more information about Mutuum Finance (MUTM), visit the links below:

Website: https://www.mutuum.com/ 

Linktree: https://linktr.ee/mutuumfinance