As Bitcoin (BTC) consolidates near the $118,000 mark, the biggest whales in the crypto space are quietly shifting their holdings into select decentralized finance (DeFi) opportunities that promise strong upside potential. While BTC and ETH hold steady, sharp investors are looking beyond the giants, zeroing in on innovative DeFi projects with robust tokenomics and growing demand. Among these, Mutuum Finance (MUTM) is quickly emerging as a top contender, gearing up for its next price jump. With a highly efficient Layer 2 framework and a unique dual lending model, Mutuum Finance (MUTM) is positioned to capture significant market attention as it nears full presale capacity. Only about 10% of tokens remain at the current discounted $0.03 price before the next 20% price rise to $0.035 in Phase 6.Layer 2 Efficiency and Upcoming Beta LaunchMutuum Finance (MUTM) is projected to leverage advanced Layer 2 rollup technology that dramatically cuts gas fees by up to 90%, making borrowing and lending more affordable for users. This scalability solution will be a game-changer in attracting DeFi participants tired of exorbitant fees on mainnet chains. The platform is progressing toward a beta testnet launch besides the token listing, which will invite early users to experience Mutuum Finance (MUTM)’s innovative DApp firsthand. This phase will provide valuable feedback to optimize user experience and smart contract security before the official mainnet rollout.The roadmap reflects a clear progression: Phase 1 presale initiation and marketing campaigns have been executed, alongside a successful external audit and community giveaways. Phase 2 will see core smart contract development and front-end work ramp up, while Phase 3 plans include beta testing, final audits, and preparation for exchange listings. The full live platform launch and token claim process will occur in Phase 4, marking Mutuum Finance (MUTM)’s official entry into the DeFi lending arena.Presale Progress and Strong Investor MomentumMutuum Finance (MUTM)’s total token supply stands at 4 billion, with Phase 5 of the presale currently underway. So far, $12.9 million has been raised, and 90% of tokens are already sold, held by over 13,900 investors who purchased at $0.03. The presale is closing in on a critical supply crunch, with only about 10% of tokens left at this price tier before the next increase to $0.035. This price adjustment is expected to fuel further demand, driven by growing investor confidence and platform development progress.A Phase 1 investor who entered Mutuum Finance (MUTM) at $0.01 with $50,000 secured 5,000,000 tokens. With the current presale price at $0.03 and a listing target of $0.06, the investment has already grown 6x to $300,000 in papers. Projections aiming for $0.10 by early 2026 point to a potential 10× return. This growth is backed by real fundamentals: Mutuum Finance (MUTM)’s P2P and P2C lending model drives continuous token demand, while mtTokens support on-chain revenue and liquidity. As DeFi adoption rises and token remains in high demand, early investors are well-positioned to benefit from Mutuum Finance (MUTM)’s strong economic structure and expanding market relevance.Understanding Mutuum Finance (MUTM)’s Unique Lending EcosystemMutuum Finance (MUTM) aims to redefine decentralized lending through its upcoming dual-pathway model that balances risk and reward. The protocol plans to integrate peer-to-contract (P2C) and peer-to-peer (P2P) lending mechanisms on a high-speed Layer 2 blockchain network, designed to deliver faster transactions and reduced gas costs. This structure will support over-collateralized loans, promoting trustless and secure lending without any need for intermediaries.In the planned P2C lane, lenders will be able to pool stablecoins like USDC and DAI alongside major cryptocurrencies such as ETH, BTC, SOL, and ADA. These pools will operate with dynamic interest rates based on asset utilization. For instance, a lender allocating $10,000 worth of BTC at a projected 15% annual percentage yield (APY) could earn around $1,500 per year—making it a potentially attractive, stable income stream for risk-conscious investors.Meanwhile, the P2P (Peer-to-Peer) model is designed to serve lenders willing to take on higher risk by accepting popular memecoins like DOGE as collateral. In this setup, borrowers and lenders negotiate loan terms directly, including interest rates, loan duration, and collateral requirements. This approach leverages memecoin volatility while protecting the system through overcollateralization. With this dual lending structure, Mutuum Finance (MUTM) aims to accommodate a broad range of investors, from conservative to speculative.Security, Community Trust, and Giveaway ExcitementSecurity remains a top priority for Mutuum Finance (MUTM). The project underwent a rigorous CertiK audit featuring both Manual Review and Static Analysis, earning an impressive 95.00 scan score and a Skynet rating of 77.50. These results underscore the platform’s commitment to safeguarding user funds and smart contract integrity.Complementing security efforts is an active and growing community exceeding 12,000 Twitter followers, energized by the ongoing $100,000 giveaway. This giveaway is split into 10 prizes of $10,000 worth of MUTM tokens, designed to boost participation and excitement during the presale phase. Such initiatives are building strong grassroots momentum that is likely to continue driving Mutuum Finance (MUTM)’s rise.With Bitcoin (BTC) consolidating and major whales moving capital into promising DeFi tokens, Mutuum Finance (MUTM) stands ready for its next breakout. The presale’s remaining 10% of tokens at $0.03 offers a final window to enter before the inevitable 20% price increase to $0.035 in Phase 6. Prudent investors will seize this opportunity to position themselves ahead of what is expected to be a significant surge fueled by Layer 2 efficiency, dual lending innovation, and strong community support.Now is the moment to join thousands of holders building their portfolios with Mutuum Finance (MUTM). Don’t miss your chance to catch the next wave in DeFi lending before the price climbs higher.For more information about Mutuum Finance (MUTM) visit the links below:Website: https://mutuum.com/Linktree: https://linktr.ee/mutuumfinance The post Mutuum Finance (MUTM) Prepares for Next Surge, 10% Tokens Left Before Price Rises by 20% appeared first on Blockonomi.