Can Mutuum Finance (MUTM) hit $3 in 2025? market analysts weigh in

Mutuum Finance (MUTM) has entered the spotlight as one of the more talked-about presales in early 2025, and it’s not just because of the numbers.

With nearly $4.9 million raised and over 330 million tokens already sold, investors are locking in their positions fast.

Phase 3 of the presale is already 76% complete, and once that threshold is crossed, the price will move from $0.02 to $0.025 in Phase 4.

With 11 total phases and a launch price set at $0.06, the current stage offers a limited-time entry point for those looking to get in early before the price starts accelerating more sharply.

Mutuum Finance (MUTM)

So, is $3 a realistic target for this year? According to some analysts, it’s not out of reach.

The reasoning isn’t based on hype—it’s based on how Mutuum is structured and the mechanisms it’s putting in place to support long-term growth.

Unlike many short-lived token projects, Mutuum is offering real utility from day one.

It’s a decentralized liquidity protocol that supports both lenders and borrowers in a fully non-custodial way. Users retain control of their assets at all times, and the system is designed to function without intermediaries or rigid loan matching.

The way lending works on Mutuum reflects this modern approach. Depositors supply assets into smart contract-based liquidity pools and receive mtTokens in return. These mtTokens aren’t just placeholders—they accrue value over time, representing both the original deposit and the interest earned. More than just being liquid within the platform, mtTokens are ERC-20 compliant, meaning they can be transferred, traded, or integrated with other DeFi applications.

On the borrowing side, users can access capital without needing to sell their assets. Instead, they lock them as overcollateralized collateral, choosing either a variable or stable interest rate depending on their needs. As long as the collateral remains sufficient, there’s no deadline to repay. It’s a flexible approach, especially for those who want liquidity while still holding onto long-term positions like ETH, BTC, or other supported tokens.

One factor that’s drawing attention is how Mutuum plans to support demand for its token post-launch. A portion of the protocol’s revenue is reserved for purchasing MUTM on the open market. These tokens are distributed to users who hold and stake mtTokens, creating a reward system that drives both supply and demand over time. With this buy-and-distribute model, early contributors gain more than just short-term upside—they earn a portion of the platform’s future value creation.

Adding to the credibility, Mutuum is currently undergoing a security audit by CertiK. While still in progress, the audit is expected to be completed soon, and the team plans to announce results publicly. That added layer of security gives users more confidence, especially as more funds are locked into the protocol during these early stages.

Back to the question—can MUTM really reach $3 in 2025? From today’s price of $0.02, that would be a 14,900% increase. It’s ambitious, but not unheard of in crypto when real utility meets demand. If platform activity scales and exchange listings follow soon after the presale, that price range starts to feel more plausible, especially with continued buy pressure and growing attention around the protocol’s utility.

With the next presale price jump around the corner, the sense of urgency is real. The current $0.02 rate won’t last long, and by the time Phase 4 starts, latecomers will already be paying more. For those weighing the decision, now might be the last low-cost entry before momentum really picks up.

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

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

Linktree: https://linktr.ee/mutuumfinance