In 2018, Ethereum (ETH) was still underestimated by most of the market. It hadn’t yet reached mainstream recognition, but the groundwork was already laid—scalability, utility, and developer interest were all quietly building. Now, a similar opportunity is forming in DeFi with Mutuum Finance (MUTM), a next-gen lending protocol integrating Layer-2 technology to deliver seamless, low-cost decentralized finance.

While others continue to rely on outdated infrastructure plagued by high fees and congestion, Mutuum Finance (MUTM) is introducing a fresh lending experience that is both scalable and functional at launch. Backed by over $11.2 million raised so far and more than 12,450 holders, the protocol is nearing the 50% mark of Phase 5 in its presale. At $0.03, it offers one of the last true entry points before prices move to $0.035 in Phase 6 and eventually double at listing. Investors looking for Ethereum (ETH)-like upside are watching closely—and acting fast.

Solving DeFi’s cost barrier through layer-2

One of the core challenges in decentralized finance has always been transaction cost. High gas fees often make lending inaccessible to smaller users, while congestion slows down key operations. Mutuum Finance (MUTM) will directly address these issues through Layer-2 scalability, allowing fast, low-fee activity across both P2C and P2P lending models.

This design unlocks micro-lending use cases and broader market participation. In the P2C model, users will supply assets like ETH, stablecoins, or BNB to pooled smart contracts, earning interest based on pool utilization. In the P2P model, lenders and borrowers will negotiate directly on terms for more volatile tokens, including meme coins like Pepe (PEPE) or Dogecoin (DOGE). With Layer-2 support, both lending modes will operate more efficiently—removing the cost friction that has long limited adoption.

This technical advantage will make Mutuum’s ecosystem more active and profitable for all users. Whether a lender seeks stable passive yield or a borrower needs immediate liquidity, transactions will settle faster and cheaper. Unlike Layer-1-only protocols that still charge users heavily for simple operations, Mutuum Finance (MUTM) will bring in a generation of users priced out of traditional DeFi—creating more borrowing activity and, in turn, more yield for depositors.

Immediate platform utility—And the clock is ticking

Investors will not be left waiting as the beta version of the platform is planned to go live alongside the token launch, giving MUTM holders immediate access to experience the real platform utility. That includes the ability to supply assets, earn mtTokens representing both principal and interest, and later stake those tokens to receive additional MUTM rewards through protocol buybacks. Users will interact with a live system—not just a roadmap.

That roadmap also shows continued expansion: from multi-chain deployment and stablecoin issuance to a full Layer-2 rollout supporting both institutional and retail capital. The ecosystem is designed for longevity, and the MUTM token itself will play a central role in that vision. A portion of future revenue will be used to buy back MUTM from the open market and distribute it to stakers—strengthening token demand while delivering regular passive income.

Investors who got in during Phase 1 at just $0.01 are already sitting on 200% gains—and the token hasn’t even launched yet. Those who entered in Phases 2 and 3 at $0.015 and $0.02 respectively are also deep in profit, and they’re not just celebrating—they’re buying more, knowing how quickly the price curve is accelerating. We’re now in Phase 5 at $0.03, but once this round ends, the price will jump to $0.035 in Phase 6, then $0.04, and eventually hit $0.06 in Phase 11. That’s a 6× increase from the original price. 

The window to get in at a level that still offers explosive 10x+ upside is rapidly closing. Many investors who dismissed the early phases are now openly expressing regret on forums and Telegram groups. This isn’t just another presale—this is a structured price curve, and it’s doing exactly what it promised: rewards early conviction and punishes hesitation. Right now, you can still be part of the early club, but in a matter of days or even hours, the price you pay for the same token could be significantly higher. This phase might be the last truly underpriced entry before mass listing speculation kicks in.

With only 4 billion tokens in total supply and the final listing price targeted at $0.06, early buyers will have a clear advantage. But that window is shrinking fast. This is the last opportunity to secure MUTM at the $0.03 price before the next jump. Once momentum hits, as it did with ETH in its early days, re-entry will become much more expensive.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

DISCLAIMER – “Views Expressed Disclaimer: This article is not financial advice. Cryptocurrencies are volatile and unpredictable. Due diligence and caution are paramount. Views and opinions expressed are those of the authors and do not reflect the official position of any other author, agency, organization, employer or company, including NEO CYMED PUBLISHING LIMITED, which is the publishing company performing under the name Cyprus-Mail…more