As March comes to a close, investors are actively searching for tokens that still offer strong entry points before broader market attention kicks in.

One project that continues to gain traction is Mutuum Finance (MUTM), currently priced at just $0.02. But that entry point isn’t expected to last much longer.

With the fourth phase of the presale approaching—and a confirmed price increase ahead—investors are rushing to secure MUTM at what many now consider its lowest and most favorable valuation.

Mutuum Finance is currently in its presale phase, with the token trading at $0.02.

The next stage, Phase 4, is set to introduce a 25% price increase, bringing the cost per token to $0.025.

As of now, over $4.7 million has already been raised, and more than 6,600 holders have joined the project.

With more than 70% of the current phase already completed, the window for early entry is closing fast.

For those looking to maximize potential upside, this stage represents a key opportunity before prices move higher.

What’s driving this interest isn’t just the low price, but the strong momentum building around the project.

Within just 72 hours, Mutuum saw over $600,000 in new capital flow into the presale.

This sharp uptick in activity is being fueled by both retail and institutional buyers, with on-chain data suggesting whale wallets are increasingly getting involved.

The sharp rise in volume and wallet activity is creating a clear signal: investors are positioning early, and they’re doing it quickly.

A big reason for this wave of interest is what Mutuum Finance is building behind the scenes.

At its core, the platform is designed to give users access to decentralized lending and borrowing without having to rely on custodians or centralized intermediaries.

Users can supply digital assets and earn passive returns or borrow funds by providing overcollateralized crypto as security.

The protocol supports both pool-based and direct lending models. In the pooled system, users deposit assets like ETH or USDT into smart contract-based liquidity pools.

Interest rates fluctuate depending on demand, and the more a pool is utilized, the higher the returns for those who contributed.

On the other hand, direct lending allows lenders and borrowers to negotiate terms individually—ideal for tokens with higher volatility or less liquidity, such as meme coins or micro-cap assets.

To represent deposits, the protocol issues mtTokens.

These tokens reflect the user’s share of the pool and increase in redeemable value as borrowing activity grows.

For example, someone supplying $4,000 in USDT into a pool would receive mtTokens that steadily grow in value, generating yield as long as the funds remain supplied.

Unlike traditional staking or time-locked models, these mtTokens can also be transferred or used across compatible protocols, offering both liquidity and flexibility.

Another element that’s drawing attention is the upcoming release of an overcollateralized stablecoin.

Built directly into Mutuum’s lending infrastructure, this stablecoin will allow users to mint value-backed assets without selling their crypto holdings.

It will provide an additional way to access liquidity—without creating taxable events or market slippage.

All interest collected from stablecoin borrowing flows back into the protocol, reinforcing long-term sustainability.

Mutuum is also preparing to launch a beta version of its platform around the time of the token listing.

This means users won’t have to wait months for utility. They’ll be able to start earning, borrowing, and interacting with core features from day one.

Meanwhile, the team has confirmed that all smart contracts are undergoing an audit by CertiK, with updates expected to be posted on official channels as the process concludes.

With growing momentum, an active presale, and a clear roadmap ahead, Mutuum Finance is quickly moving beyond early-stage obscurity.

As the project approaches Phase 4 and the price steps up by 25%, the $0.02 entry point won’t be around for long.

For investors watching closely, this might just be the last real window to enter before the market catches up.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance

The post Mutuum Finance (MUTM) is still just $0.02 — but that won’t last long as phase 4 approaches appeared first on Invezz

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