This $0.03 token could flip LINK; 3000% gains projected by Q4, presale 80% complete

With a current price of just $0.03 and a rising presale pace, it is quickly becoming the next high-growth opportunity retail and institutional investors are watching closely. A new DeFi economy in motion Mutuum Finance (MUTM) is setting itself apart in the DeFi space with a planned dual-track lending architecture designed to support a wide range of investor and borrower needs. Still in its presale phase, the protocol outlines two core models that will power its ecosystem once live: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. The first of these, the upcoming P2C model, will allow users to deposit leading cryptocurrencies—such as Ethereum (ETH), Bitcoin (BTC), Solana (SOL), Avalanche (AVAX), Chainlink (LINK), Ripple (XRP), Cardano (ADA), Polygon (MATIC), and Binance Coin (BNB)—into non-custodial, smart contract-powered liquidity pools. Stablecoins like USDT, USDC, DAI, and USDD will also be supported. These pooled assets will serve as collateral for overcollateralized loans, with dynamic loan-to-value (LTV) ratios and interest rates automatically adjusted by smart contracts based on real-time utilization. Once the platform goes live, depositors will potentially earn consistent returns, creating a low-friction, passive income opportunity. On the other side, Mutuum Finance (MUTM)’s planned P2P model aims to address the underserved segment of high-risk, low-liquidity assets, particularly meme tokens such as FLOKI, SHIB, PEPE, and DOGE. Rather than pooling these tokens, the P2P system will offer isolated lending contracts where lenders and borrowers negotiate directly on terms like interest rate, duration, and collateral. This structure eliminates pooled risk and offers customized lending strategies for advanced users seeking higher yields in exchange for higher risk. A key innovation in development is the mtToken system. Once launched, users who deposit assets into either lending model will receive ERC-20 compliant mtTokens that represent their original deposit plus accrued interest. These tokens will remain liquid and are expected to be eligible for staking, enabling users to earn additional MUTM token rewards. Through a planned revenue-sharing mechanism, a portion of protocol income will be used to buy back MUTM tokens from the open market and redistribute them to mtToken stakers, creating an organic, usage-driven dividend stream. In support of long-term stability and scalability, Mutuum Finance (MUTM) also plans to introduce a decentralized stablecoin, minted solely against overcollateralized positions with strict issuance caps per wallet. This stablecoin will be algorithmically managed to maintain its $1 peg, with minting restricted to borrowing events and burning triggered by repayment or liquidation. Additionally, Layer-2 scaling solutions are part of the roadmap, intended to reduce gas fees and enhance protocol efficiency as usage grows. Presale surge and analyst momentum The Mutuum Finance (MUTM) presale has already captured significant attention. In Phase 5, the project has raised over $12.5 million, with more than 13,500 holders onboarded. 80% of Phase 5 tokens are sold, priced at $0.03, and once this phase concludes, the price will rise 20% to $0.035. With a total supply of 4 billion tokens, time is running out for those looking to secure early exposure before listing and ecosystem rollout. Investors and analysts alike are taking note. With a CertiK Token Scan score of 95.00 and Skynet rating of 77.50, the platform’s audit history—from its February review to May update—has reinforced trust in its underlying technology. A $50,000 USDT Bug Bounty Program is also live, further encouraging ecosystem security, while a $100,000 MUTM giveaway rewards the growing community, with ten winners expected to receive $10,000 each in tokens. One standout investor reallocated capital from Chainlink (LINK) and Solana (SOL) into Mutuum Finance (MUTM) during Phase 2, locking in tokens at $0.015 per token. With the current presale now priced at $0.03, that same position is already up 100%—doubling in value even before the token officially lists. With the listing price confirmed at $0.06, the original investment is on track to quadruple, delivering a 4x return by launch day. And the long-term upside is even more compelling. Top analysts are forecasting that MUTM could reach $0.90 by Q4 2026, driven by protocol adoption, real yield mechanics, and a strong DeFi narrative. That would translate to a 60x gain from the Phase 2 entry point—equivalent to a 5,900% return. Chainlink (LINK) helped build the data backbone of DeFi. Mutuum Finance (MUTM) is building the economy itself. Before the next price surge, this might be the last chance to grab a stake in a DeFi protocol aiming not just to support the ecosystem, but to become the ecosystem. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post This $0.03 token could flip LINK; 3000% gains projected by Q4, presale 80% complete appeared first on Invezz

Source: Invezz