The final 30% of this phase is vanishing fast as investors—especially whales—position for what many expect to be one of the year’s biggest breakouts.

With a total supply of 4 billion tokens and a projected listing price of $0.06, larger investors are aiming for serious upside.

In fact, many are expecting 20x returns from early entries, and they’re not just buying and holding—they’re deploying capital through the very system Mutuum is building.

Whether it’s $100,000 in ETH or $200,000 in stablecoins, whales are already tapping into the MUTM for future epic gains.

Mutuum Finance (MUTM) will be unlike most presale tokens. It will launch as a fully decentralized lending and borrowing protocol with two distinct models: Peer-to-Contract (P2C) for stable and blue-chip assets, and Peer-to-Peer (P2P) for custom lending in riskier markets like meme coins.

In the P2C mode, users will deposit tokens like ETH, BTC, or USDT into audited smart contracts and will receive mtTokens in return—tokens that will grow in value as borrowers tap into the liquidity.

For example, a whale will be able to deposit $100,000 in ETH, receive 100,000 mtETH in 1:1, and stake it for additional MUTM dividends—earning returns on top of returns.

Meanwhile, borrowers will be able to post assets like ADA or LINK as collateral, borrow stablecoins at up to 75%(depending on LTV), and retain exposure to price growth without needing to sell.

This structure will appeal not only to retail investors but also to institutional players seeking wealth preservation with built-in yield generation.

Mutuum’s P2P lending system will also introduce a layer of customization that large investors will crave. Unlike traditional pooled lending, P2P will allow lenders and borrowers to negotiate directly.

A future example might include a Shiba Inu (SHIB) whale issuing a custom loan to a borrower under self-set terms, including collateral ratio, interest rate, and duration.

These over-the-counter-style deals will create opportunities for optimized risk and reward.

Part of the reason whales are entering early is because of Mutuum’s clear commitment to security and transparency.

The platform has earned a 95.00 Token Scan score and 77.50 Skynet rating from CertiK, one of the most respected audit firms in the blockchain space.

Backing this is a $50,000 bug bounty, split into four severity levels—critical, major, minor, and low—ensuring every corner of the smart contracts gets attention.

This reassures big capital, and it’s another sign that the team is building for the long haul.

On the utility front, the MUTM token is more than just a presale asset—it will be the backbone of the protocol.

A portion of platform revenue will be used to buy MUTM off the open market, distributing it to stakers who lock their mtTokens in the designated smart contracts.

This buyback-and-burn system is designed to support long-term value and reward active contributors.

A Phase 1 investor who entered with $5,000 from BTC now holds around $10,000 worth of MUTM at current prices, and is set to cross $30,000+ once the token reaches just $0.09.

Looking ahead, Mutuum Finance plans to launch a beta version of its platform alongside the token listing, giving early users a firsthand look at its lending engine.

The team is also running a $100,000 giveaway campaign—ten early supporters will be selected to receive $10,000 worth of MUTM tokens each.

Add to that Layer-2 integration for faster and cheaper transactions, and it’s clear that the project isn’t just about hype—it’s about scaling real utility.

With only 30% of Phase 5 tokens remaining, and a 20% price hike right around the corner, time is running out for latecomers.

Bitcoin (BTC), Chainlink (LINK), and Ethereum (ETH) whales have already started shifting their strategies toward Mutuum’s yield-based model.

Those still watching from the sidelines risk missing what could be the last $0.03 entry before the protocol goes fully live.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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