MUTM’s strong fundamentals back a surge forecast of 2900% — is it too late to get in?

Mutuum Finance’s native token, MUTM, has quickly entered the spotlight as analysts forecast a potential 2,900% surge from its current presale price.

Still trading at just $0.025 during its Phase 4, the token is drawing serious attention not just because of price speculation — but because of what the project is building underneath.

The real question many are now asking is: Is there still time to get in before the next leg up?

According to experts tracking the presale, the window is closing.

Previous phases sold out faster than expected, and Phase 4 is already gaining momentum.

Once this stage concludes, the price will rise to $0.03, and with the token’s launch price set at $0.06, even conservative estimates suggest early participants will see more than 2x returns before listing.

But analysts are projecting much more — with some models pointing to a future value of $0.75 or even higher, which would represent a full 2,900% increase from the current entry point.

So, what’s justifying this forecast?

At its foundation, Mutuum Finance is more than just another DeFi protocol. It’s a decentralized system that enables both lending and borrowing of digital assets through smart contracts — all without the need for centralized control.

Users deposit tokens to earn interest, while borrowers access capital by locking collateral.

The platform supports both pooled lending and peer-to-peer agreements, offering flexibility that most protocols in the space lack.

Mutuum’s dual-model design is also a key part of its appeal.

The Peer-to-Contract (P2C) model allows users to deposit assets into shared liquidity pools.

These pools are then accessed by borrowers who meet collateral requirements. Interest rates in this model aren’t fixed — they shift in real time based on how much of the pool is being used. When borrowing demand is high, returns for depositors increase, creating a balanced, incentive-driven system.

At the same time, Mutuum also supports Peer-to-Peer (P2P) lending, where users can set up custom loan agreements directly with one another.

This model provides more flexibility and is especially useful for assets that don’t always fit into a pooled structure, such as meme tokens like PEPE or DOGE. It gives users more control over terms and risk, while expanding the protocol’s reach beyond traditional assets.

This balance between stability and customization has brought in a wide range of early backers, including notable Ethereum holders, who are increasingly looking for opportunities that allow them to maintain exposure to ETH while putting their assets to work.

Mutuum offers just that — a way to earn yield or borrow against holdings without selling off long-term positions.

Beyond lending, the protocol is developing an overcollateralized stablecoin pegged to the US dollar.

Minted from excess collateral within the system, it provides additional utility while remaining fully decentralized and transparent. Interest paid on stablecoin loans goes directly into the platform treasury — helping grow reserves while supporting the value of the native token.

What’s especially driving investor interest now is the buy-and-distribute mechanism baked into Mutuum’s revenue model. As the protocol generates fees, a portion is used to buy MUTM on the open market.

These purchased tokens are then distributed to mtToken stakers, creating regular buy pressure and aligning rewards with platform growth.

This loop helps stabilize price while rewarding users who contribute to liquidity.

All of this is coming together just as the presale nears its later stages.

With over $6.3 million already raised and more than 8,000 holders participating, interest is growing — but supply is limited.

The current phase, priced at $0.025, offers one of the final opportunities to secure MUTM before the next increase to $0.03.

Once the token lists and exchange activity picks up, the market will ultimately decide the price — and based on what’s already in place, many expect that move to come fast.

So, is it too late to get in?

Not yet — but the clock is ticking. As Phase 4 continues and the token edges closer to its next price jump, early buyers still have a narrow window to enter before launch buzz and broader exposure take hold.

With real utility, solid infrastructure, and clear investor demand, MUTM has positioned itself as more than a presale token — it’s shaping up to be one of the strongest contenders in DeFi this year.

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

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

Linktree: https://linktr.ee/mutuumfinance