Mutuum Finance (MUTM) Presale Accelerates After SHIB Stalls — DeFi Lending Token Targets High Returns
Mutuum Finance (MUTM), a DeFi lending-and-borrowing protocol, is in an active multi-phase presale that has progressed from early $0.01 rounds in 2025 to $0.04 in Phase 7, with Phase 8 expected at $0.045. The presale has attracted substantial participation and capital, and the project markets itself as a utility-first alternative to meme coins such as Shiba Inu (SHIB) after SHIB entered an accumulation phase in 2026. Mutuum’s product pitch centers on a dual lending model: Peer-to-Contract automated liquidity pools with variable APYs (project examples cite 8–12% on ETH deposits) and Peer-to-Peer lending where users can set custom rates. The protocol plans a V1 testnet on Sepolia in Q4 2025 and initial support for ETH and USDT, along with ERC‑20 mtTokens, debt tokens, an automated liquidator and Layer‑2 scalability ambitions. Tokenomics cite a fixed 4 billion MUTM supply with roughly 45.5% allocated to presale and >800 million already sold across phases. The project promotes community incentives (daily buyer bonuses, a $100,000 giveaway), security audits by Certik and Halborn, and a buyback-and-distribute mechanism that would use protocol profits to buy MUTM for staking rewards. Media pieces cite aggressive upside scenarios (presale-to-listing gains and multi‑x price targets), but also emphasize this is a promotional press release and advise independent due diligence. For traders: the news raises short-term speculative interest around MUTM presale momentum and initial listing expectations; product milestones (testnet, audits) and actual on-chain activity will be critical catalysts to validate utility and sustain longer-term value.
Bullish
The combined coverage highlights strong presale momentum, clear tokenomics, and concrete product roadmap items (testnet, audits, Layer‑2 plans). Those factors typically drive speculative buying ahead of listing and early secondary-market trading, creating upward price pressure for MUTM in the short term. Marketing incentives (giveaways, buyer bonuses) and reported large presale participation amplify retail demand. However, the bullish view is conditional: sustained price appreciation depends on execution of the roadmap (successful Sepolia testnet, audit results, actual lending activity and buyback mechanics) and legitimate on‑chain usage. If those catalysts fail or audits reveal issues, the token could reverse sharply. In summary, expect heightened volatility with an initial bullish bias driven by presale momentum and listing expectations, but monitor technical/audit milestones closely for confirmation of longer-term value.