Mutuum Finance (MUTM), a new decentralized lending protocol, is attracting significant capital from investors previously focused on large-cap assets like Binance Coin (BNB) and Ripple (XRP). The project's ongoing presale has raised over $19.8 million from more than 18,800 participants, with its token priced at $0.04 in Phase 7.
Analysts cite the search for higher percentage returns as a key driver behind this rotation. While XRP (trading near $2.10) and BNB (near $900) are seen as mature assets with projected moderate gains of 1.3x to 1.7x in a strong 2026 market, MUTM represents an earlier-stage opportunity. The token began its presale at $0.01 in early 2025, offering early buyers a 300% gain at current prices, with a confirmed launch price of $0.06.
Mutuum Finance's core product is a decentralized lending and borrowing protocol where users can supply assets to earn interest via mtTokens or borrow against collateral. The project is advancing through its roadmap, with Phase 1 complete, Phase 2 nearing completion, and Phase 3 ongoing. The V1 protocol is preparing for a Sepolia testnet deployment ahead of mainnet activation.
Security and audits have bolstered investor confidence. The V1 lending code was audited by Halborn Security, and the MUTM token received a score of 90 out of 100 from CertiK. A $50,000 bug bounty program is also active.
Analysts project significant upside for MUTM based on its upcoming utility. Some models suggest a valuation range of $0.28 to $0.35 in its first macro cycle (implying a 600-775% increase from $0.04), while more bullish 25x upside scenarios point to a $1.00 token. The protocol's tokenomics are designed to create a demand loop, using a portion of platform revenue to buy MUTM from the open market and distribute it to mtToken stakers.
The project also features community incentives, including a 24-hour leaderboard with a $500 MUTM daily prize and a $100,000 giveaway campaign. With a total supply of 4 billion tokens and 1.82 billion allocated to the presale, the remaining available tokens are shrinking as the launch window approaches.
