From $0.03 to $0.30? This Powerful DeFi Token Could Quietly Pull Off a 10X Move Before Year-End

“Mutuum reminds me of where AVAX was pre-2021,” said a renowned fintech analyst—the same expert who accurately predicted Solana (SOL)’s 40X move when it was still under $2. Now, analysts are drawing attention to Mutuum Finance (MUTM), calling it one of the most overlooked and underpriced DeFi protocols in the current market. With early-stage buyers in Phase 1 already sitting on 200%+ gains, interest is now turning toward Phase 5 participants, who still have a shot at a 10X upside based on the projected $0.30 post-launch target.

With its token currently priced at $0.03, the Mutuum Finance (MUTM) presale has already raised $12.2 million, attracted over 13,100 holders, and sold through 73% of Phase 5. That leaves only a small window before the price jumps by 20% to $0.035. The final listing price is locked at $0.06, giving current buyers a low-cost entry into a real-yield protocol that blends utility, security, and passive income—all backed by DeFi-native architecture.

Audited, Scalable, and Ready for Beta Launch

Security is a central focus for Mutuum Finance (MUTM). The protocol completed a thorough auditing process with CertiK, beginning on February 25th and revised on May 20th to reflect ongoing upgrades. With a Token Scan score of 95.00 and a Skynet score of 77.50, the project stands out in terms of safety and code integrity. To reinforce confidence, the team has launched a $50,000 bug bounty program, encouraging white-hat developers to probe the platform for vulnerabilities ahead of its full rollout.

Looking ahead, Mutuum Finance (MUTM) will introduce a decentralized stablecoin pegged to $1 and backed by overcollateralized crypto assets. The coin will only be minted when users borrow and will be burned upon repayment or liquidation, keeping inflation in check. Governance parameters will control interest rates to maintain peg stability and encourage healthy lending behavior. This stablecoin will integrate directly with the platform’s core borrowing system and enhance its liquidity loop.

The protocol will also roll out its Layer-2 integration, reducing gas fees and improving transaction speed—two critical factors for scaling in today’s DeFi environment. Upon token generation, users will get access to Mutuum’s Beta platform, which will support its lending engine, mtToken issuance, and staking pools from the start.

To reward early adopters, Mutuum Finance (MUTM) is also running a $100,000 giveaway, where 10 users will win $10,000 worth of MUTM tokens. This campaign is designed to incentivize belief in the project during its foundational phase.

Dual Lending Models Designed for Yield and Flexibility

At the heart of Mutuum Finance (MUTM) will lie its two-track lending engine. The Peer-to-Contract (P2C) system will be ideal for users who seek passive income on blue-chip deposits. A projected use case will involve a lender who deposits 5 BNB into a pooled smart contract at 9.5% APY, generating $142. The APY will adjust based on pool utilization, making the system more efficient and responsive.

Meanwhile, the Peer-to-Peer (P2P) side will allow lenders and borrowers to negotiate terms directly—perfect for meme coin traders who will want to retain their SHIBA INU or PEPE positions while accessing capital. Through this model, borrowers will use their meme assets as collateral and receive loans in stablecoins like USDC or DAI. These smart contracts will be decentralized and non-custodial, allowing borrowers to repay on their own schedule while lenders enjoy high-yield returns defined by the agreement.

The platform’s mtTokens will play a crucial role in this ecosystem. When lenders deposit assets, they will receive mtTokens—ERC-20 tokens like mtBTC or mtLINK—that will automatically accumulate yield. These mtTokens will also be eligible for staking contracts within Mutuum’s protocol, enabling users to stack additional rewards on top of interest earnings. This dual-reward system will offer unmatched earning potential within a secure and transparent DeFi environment.

Time is critical. With Phase 5 nearing completion and the price preparing to rise to $0.035, the current entry window may soon be gone. The combination of passive income, Layer-2 scaling, secure smart contracts, and real utility makes Mutuum Finance (MUTM) one of the strongest DeFi entries of 2025. As momentum builds and the $0.06 listing approaches, analysts are eyeing a clear path to $0.30—a 10X climb that many will only recognize after it happens. 

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance