As the crypto market continues to recover, a number of undervalued assets are catching investor attention — but few are being watched as closely as Mutuum Finance (MUTM)

With its presale price still at just $0.025, some analysts now suggest a 2,500% surge could just be the beginning for this DeFi protocol

As the crypto market continues to recover, a number of undervalued assets are catching investor attention — but few are being watched as closely as Mutuum Finance (MUTM).

With its presale price still at just $0.025, some analysts now suggest a 2,500% surge could just be the beginning for this DeFi protocol, with longer-term forecasts pointing well beyond current expectations.

In a space often driven by speculation, what sets Mutuum apart is the structure of its build. This is a project with functioning mechanics, real revenue pathways, and a token model that rewards active participation. With the fourth presale phase nearly 70% complete, early momentum is accelerating — and those watching closely say now might be the best time to act.

Mutuum Finance (MUTM)

Mutuum is gaining support not just from its core DeFi model, but from investors who recognize that current pricing won’t stay this low for long. Over 446 million tokens have already been sold, and the next phase will raise the price to $0.03, followed by a public launch at $0.06. But even that is only the start.

Based on utility growth and the platform’s revenue distribution model, many believe MUTM could climb toward $0.65 or even higher in the short term — turning today’s entry into a potentially massive gain. That projection would equal a 2,500% increase, a number that seems less far-fetched when you break down how the token is actually designed to grow.

What attracts long-term holders to Mutuum is its passive income mechanism. The platform generates actual protocol revenue through its lending and borrowing operations. A portion of this revenue is used to buy MUTM tokens from the open market, which are then distributed to users who hold mtTokens.

This creates a cycle of real, measurable value. As more users borrow and lend assets, the protocol earns more — and that revenue is redirected into buying back the token, helping maintain price stability while also giving back to participants. The more the platform is used, the stronger this reward loop becomes.

What Are mtTokens?

When users deposit assets into Mutuum, such as ETH, DAI, or USDC, they receive something called mtTokens — a 1:1 tokenized version of their deposit (e.g., mtETH or mtDAI). But these aren’t just placeholders. Over time, mtTokens increase in redeemable value, reflecting the interest earned through lending activity.

For example, if you deposit 1 ETH and receive 1 mtETH, that mtETH will accumulate value as interest accrues. Later, when you redeem it, you’ll receive your original ETH plus any earned interest. These mtTokens can also be staked within the platform to earn MUTM rewards — making them a key asset for anyone interested in building passive income through crypto investing.

Let’s say an investor allocates $375 at the current presale price. That amount would get them 15,000 MUTM tokens. When the token hits $0.65, that initial investment grows to $9,750.

What’s different here is that this mid-range entry offers both short-term price potential and access to ongoing rewards through staking and mtToken growth. It’s not just about watching a chart go up — it’s about participating in a system that continuously returns value.

This flexibility is especially appealing for those who don’t want to lock thousands into speculative projects but still want meaningful upside potential from a best crypto coin to buy before listings.

Analysts calling the initial 2,500% price surge “Phase One” are doing so with a longer view in mind. As Mutuum rolls out new utilities — including its upcoming overcollateralized stablecoin, which adds even more depth to the lending ecosystem — token demand is expected to expand. All fees from the stablecoin system feed directly back into the treasury, reinforcing the MUTM buy-and-distribute mechanism that supports price growth.

Add in the fact that the project has a total supply of 4 billion tokens, distributed across presale, liquidity, rewards, and development in a balanced structure, and it becomes clear: this isn’t a pump-and-dump — it’s a protocol built for scaling.

Mutuum Finance is proving that momentum doesn’t need to rely on hype. It’s being driven by numbers — over $7.6 million raised, nearly 70% of its current phase completed, and a growing user base who see the logic behind its token model.

At $0.025, MUTM is still one of the cheapest cryptocurrency with a real shot at becoming a major player. If you’ve been watching from the sidelines, the current presale phase offers one of the last low-cost entries before the price climbs higher