How to Buy Mutuum Finance Token (MUTM)

Mutuum Finance (MUTM) is a new DeFi project that’s building a lending platform where users can earn interest by lending their crypto or take out loans by providing collateral. It’s one of the few platforms that will offer support for both pooled lending and direct peer-to-peer loans.

The project’s native MUTM token has raised more than $15 million in its ongoing presale. While early investors are backing the idea, it remains to be seen whether MUTM can continue its momentum after it is listed on exchanges, with competitor presales high on its heels.

This guide will show you how to buy Mutuum Finance Token during its presale in a few simple steps. We’ll also review Mutuum Finance to find out if it is a good investment and give a price prediction from 2025 through 2030.

What Is Mutuum Finance

Mutuum Finance is a DeFi project developing a non-custodial lending and borrowing platform. It aims to bring fresh wind to one of the fastest-growing segments in the crypto space, a sector that is projected to  surpass $78 billion by 2030.

In simple terms, Mutuum Finance will allow you to lend crypto to earn interest or borrow crypto by locking in collateral. What makes Mutuum different is its dual model: a pool-based peer‑to‑contract (P2C) side for mainstream assets, and a direct peer‑to‑peer (P2P) marketplace for riskier tokens.

The P2C model includes a pooled liquidity model similar to Aave or Compound. Lenders deposit assets into shared pools and, in return, receive mtTokens (for example, mtETH or mtUSDT) that represent their deposit. Borrowers will take over‑collateralized loans from these pools, meaning their collateral must be worth more than what they borrow.

It’s also relevant to mention that interest rates are variable and adjust with pool utilization. When most funds from the pools are lent out, the borrowing rate rises, which attracts more liquidity and encourages repayments.

Mutuum Finance is the link between lending and borrowing. Source: Mutuum Finance

On the other hand, the P2P model is for volatile or speculative tokens. Here, a lender and a borrower match directly and set custom terms such as interest rates and loan duration. This approach supports assets that many pooled markets typically avoid, like meme coins or newly launched tokens. The P2P market is also isolated from the main pools, so sudden price moves in those tokens do not affect the core liquidity.

Mutuum Finance gives borrowers a choice between variable and stable interest rates. Variable rates may start lower but can move with market conditions, which suits short‑term or flexible needs. Stable rates stay fixed for the tenure of the loan, which helps with planning and budgeting.

Moreover, a portion of platform revenue (such as interest fees) will be used to buy MUTM on the open market. The purchased tokens are then distributed to users who stake their mtTokens in the Safety Module. This creates an extra reward stream on top of normal interest, aligning user incentives with the protocol’s success.

The project’s ambitious roadmap includes multi-chain plans, new partnerships, and a USD-pegged stablecoin that aims to provide borrowers with on-demand liquidity.

But it’s important to keep in mind that Mutuum Finance is still in presale and has yet to launch any of the features we discussed above. The long-term success of the project will ultimately depend on how successfully Mutuum Finance executes its plans.

Top Mutuum Finance Alternatives to Watch

Though Mutuum Finance is gaining investor traction, crypto enthusiasts are now shifting their attention to other  promising crypto presales. Below, we’ve highlighted three other cryptocurrencies that investors should keep an eye on alongside Mutuum Finance:

1. Best Wallet Token

Best Wallet Token (BEST) is the native token of Best Wallet, one of the most popular non-custodial Web3 wallets. Early supporters are quickly scooping up BEST tokens, as they’ve invested over $15.91M into the Best Wallet Token presale.

The growing need for self-custody wallets is a major reason behind this early-adopter optimism. Unlike Mutuum Finance, Best Wallet is already live and actively caters to an established user base. It offers multi-chain support across more than 60 blockchains and provides access to 330 DEXs for the lowest possible swap rates.

One of Best Wallet’s fan-favorite features is its “Upcoming Tokens” portal, which lists some of the hottest crypto presales at ground-level prices before they are listed on exchanges.

Best Wallet Token presale. Source: Best Wallet

Holding BEST tokens will unlock a range of perks in the Best Wallet ecosystem. For example, token holders are eligible for lower transaction fees when buying or swapping crypto in the wallet, higher staking yields, and even governance voting rights. What is more, BEST token holders will also receive exclusive stage-zero access to new token launches on the Upcoming Tokens portal.

If Best Wallet continues to grow its user base, demand for BEST will also increase. This gives BEST an underlying utility value beyond market hype. Interested buyers can purchase BEST tokens at the current price of just $0.025655 each and stake them for a high annual return of 84% during the presale.

For investors who prefer to back infrastructure projects in crypto, BEST offers exposure to the booming crypto wallet sector, a  nearly $13-billion market that’s showing no signs of slowing.

Visit Best Wallet Token

2. Bitcoin Hyper

Next on our list is  Bitcoin Hyper (HYPER), the first Bitcoin Layer 2 that will use the Solana Virtual Machine to truly open BTC to smart-contract use. The project is building a secondary network that will anchor to the Bitcoin blockchain but will operate at a much faster speed and lower fees.

To move BTC onto Bitcoin Hyper’s chain, you will need to deposit Bitcoin on a special address via a “canonical bridge,” a smart contract controlling the transfers. Bitcoin Hyper will then mint equivalent wrapped BTC on the Hyper network in an autonomous and trustless manner. Considering the vast capital on Bitcoin’s network that mostly sits idle, unlocking that liquidity for faster use through an L2 could be a game-changer.

Bitcoin Hyper’s native HYPER token will power this Layer-2 ecosystem. Token holders can stake HYPER, use it to pay fees on its Layer 2, while also having a say in the evolution of the network through governance.

Bitcoin Hyper presale. Source: Bitcoin Hyper

Strategic investors are already showing massive support for Hyper’s L2 solution, as the presale has raised well over $16.44M and continues to attract investors at a rapid rate.

You can still buy HYPER for a discounted presale price of $0.012935 each before the tokens list on exchanges. You can then immediately stake your HYPER tokens for an APY of up to 73%.

The team behind Bitcoin Hyper will be building the project from the ground up to address the shortcomings of previous Bitcoin L2s like Stacks or Rootstock. This makes it a strong alternative to Mutuum, appealing to those who believe in Bitcoin’s future but want more utility and growth potential than BTC itself offers.

Visit Bitcoin Hyper

3. Maxi Doge

If you’re more into OG meme coins and the explosive gains they can bring,  Maxi Doge (MAXI) is a top presale to watch.

Maxi Doge brands itself as a next-gen meme token that plays on the ever-popular Dogecoin theme but with a unique twist. Its mascot is a muscular Doge: imagine the classic Shiba Inu dog, but one that never skips a gym session, nor a chance to make a risky 1000x trade.

Meme coin enthusiasts know that getting in early on the next viral token can yield life-changing returns. For context, Dogecoin is currently up  more than 250,000% from its all-time low of $0.00008547. Branding itself as an upgraded version of the world’s largest meme coin, Maxi Doge aims for a similar trajectory.

A combination of its doge-themed meme branding and its unyielding resolve is driving Maxi Doge’s strong momentum at this early stage. Whales are already marking the coin and have helped push the MAXI token presale raise to $2.26M.

Maxi Doge presale. Source: Maxi Doge

The project is also teasing future trading competitions and holder battles where those who make the best returns or trades with MAXI could win additional prizes.

Moreover, the devs have allocated 25% of the token supply for community events and partnerships, which could help sustain interest after the launch. There are plans to even offer 100x or 1000x leverage trading pairs for MAXI on futures exchanges, catering to degen traders with a large appetite for risk.

You can buy MAXI tokens at a discounted price of $0.0002575 and stake them for an annual yield of 155%.

Visit Maxi Doge

Is Mutuum Finance Token a Good Investment?

Mutuum Finance’s dual-model (P2C + P2P) approach could help it gain more traction in the crowded lending sector. The project enables users to earn passive income on major assets and also explore lending or borrowing more exotic tokens, a feature that even major protocols typically do not offer. This flexibility could attract a diverse user base.

Additionally, Mutuum Finance tokenomics are designed to reward its holders. Most coins from MUTM’s 4-billion total supply are expected to enter into circulating supply, with mechanisms in place to dissuade a sell-off. For example, the dividend buy-back mechanism means that as long as the platform generates fees, there’s continuous buying pressure on MUTM. Even so, early adoption by more than 15,000 investors shows that a community is already in place. If the investors stay put after listing, MUTM tokens could enter a price discovery mode.

Mutuum Finance P2C and P2P models. Source: Mutuum Finance

But it’s also important to balance this optimism by realistically looking at the challenges the project will face. For example, Mutuum Finance is a newcomer in the highly competitive DeFi sector. Giants like Aave, Compound, and Maker have massive liquidity pools and established reputations.

Mutuum Finance will need to offer something truly compelling to draw users away from those platforms or attract new users entering DeFi. While the P2P feature is innovative, its success also depends on network effects. If not enough people want to lend or borrow risky tokens, that part of the platform could see low usage.

Another concern is that presale investors might take profits when MUTM launches. Early buyers are enjoying up to a 6x paper gain by the final stage (from $0.01 to $0.06), which is an unusually steep increase. Investors should be mentally prepared for volatility, as this presale structure could encourage early investors to sell their tokens immediately after listing.

Mutuum Finance Price Prediction: 2025 to 2030

Like any presale project, it’s challenging to know precisely how the Mutuum Finance token’s price will evolve after it hits the open market, as we have little past performance to go by. But we can make some educated projections based on the project’s roadmap, the competitive landscape, and typical trends for new tokens.

Mutuum Finance’s whitepaper clearly outlines the price of MUTM during each of the 11 presale phases. The token price in Phase 1 was just $0.01 per token, but it will increase in the next phase, eventually reaching $0.06 by the end of the presale. Considering the high upside during the presale itself, we expect a bout of profit-taking by early investors soon after MUTM’s exchange listing. But the token could gradually recover and possibly surpass its listing price in the weeks to follow due to short-term hype.

Mutuum Finance tokenomics. Source: Mutuum Finance

Assuming the token lists on exchanges in 2025, we expect MUTM to see a modest uptick from its listing price to around $0.067 by the end of the year. Moving into 2026, the token is likely to face intense competition within the DeFi space, which could pull its price down to around $0.055.

By 2030, either Mutuum could be an established player in DeFi or it may fail to stay relevant. Considering that the project has not yet launched its core product, it’s difficult to predict whether it could outperform its highly successful rivals. Moreover, there’s also the possibility of unforeseen regulatory or technological changes. This is why we’ve taken a cautiously optimistic approach, predicting the MUTM token’s potential high to $0.095 by 2030.

Here’s a quick summary of the Mutuum Finance price forecast until 2030:

Conclusion

Mutuum Finance’s MUTM token presale offers investors the chance to support a new DeFi lending project that’s in its early stages. This guide has outlined how to buy Mutuum Finance tokens during its ongoing presale using Best Wallet.

Ultimately, whether Mutuum Finance is a good investment for you will depend on your risk tolerance and confidence in the team’s execution. Like with all crypto ventures, investing in Mutuum Finance also comes with uncertainty and risk. This is precisely why diversification among a few high-quality projects can be a good strategy.

Keeping this in mind, we’ve highlighted promising projects like  Best Wallet Token,  Bitcoin Hyper, and  Maxi Doge as compelling alternatives.

FAQs

Ibrahim Ajibade

, 162 posts

See All Articles

Ibrahim Ajibade is a seasoned research analyst with a background in supporting various Web3 startups and financial organizations. He earned his undergraduate degree in Economics and is currently studying for a Master’s in Blockchain and Distributed Ledger Technologies at the University of Malta.