The Toncoin (TON) whales are buying this DeFi underdog before it hits $0.035, only 15% supply left

While Toncoin (TON) continues to build its reputation in the blockchain world, some of its biggest whales are now turning their attention to lesser-known but high-potential DeFi projects. One token drawing this strategic capital rotation is Mutuum Finance (MUTM)—a protocol still in its presale phase but already raising eyebrows with its real-yield architecture and explosive presale growth. With only 15% of the current supply left in Phase 5 and the price locked at $0.03 before a jump to $0.035, demand is heating up fast.

Mutuum Finance (MUTM)

Early adopters who secured MUTM at $0.015 in Phase 2 are now sitting on 100% paper gains, and many are holding with confidence as the next surge approaches. This is not a speculative meme token—Mutuum Finance (MUTM) is rooted in real utility and smart-contract-enabled DeFi infrastructure. One of Mutuum Finance’s (MUTM) standout features is its Peer-to-Contract (P2C) lending system, designed to generate automated, sustainable income for crypto holders. In this model, users can lend blue-chip assets like BNB and receive mtTokens in return—ERC-20 tokens that auto-compound interest directly within the protocol.

For example, depositing $5,000 worth of BNB into the platform returns 5,000mtBNB in 1:1, which begins earning an impressive 14% APY (depending on pool utilization) from day one. That translates to $700 annually—without needing to sell or trade away your original asset. Because mtTokens represent both the principal and the growing yield, users maintain full exposure to the underlying crypto while unlocking a completely passive income stream.

Even better, these mtTokens remain liquid, portable, and DeFi-compatible. Investors can trade them, stake them further, or simply hold as they appreciate—all without interrupting the yield. It’s a hands-free strategy for long-term crypto holders who want their assets to work for them.

With the current $0.03 entry point nearing its expiration and only 15% of the Phase 5 supply left, the window for discounted exposure is closing rapidly. Over $12.6 million has already been raised during the presale, with more than 13,600 holders onboarded—numbers that speak volumes about rising investor confidence ahead of listing.

Meme coins get functional value with P2P lending

Mutuum Finance (MUTM) isn’t just another staking protocol—it’s aiming to build real economic value around meme coins and high-volatility tokens that most platforms ignore. Through its upcoming Peer-to-Peer (P2P) lending model, Mutuum plans to let users borrow and lend directly using smart contracts that enforce full collateralization and custom repayment terms—all without intermediaries.

Picture this: a borrower offering $5,000 worth of DOGE to secure a $2,000 USDT loan at a 20% APR. In this setup, the lender would earn $400 in annual interest, while the borrower unlocks capital without liquidating their position. That’s the kind of flexible, decentralized lending structure Mutuum is designing—one that turns meme tokens like SHIB, FLOKI, and DOGE into collateral-grade assets with actual financial utility. 

With peer-to-peer (P2P) lending, borrowers and lenders interact directly to define loan terms such as interest rates, duration, and the option for partial funding. Since there’s no centralized liquidity pool involved, lenders face increased risk—but also enjoy the chance for greater rewards. This model expands earning possibilities while keeping the protocol secure and stable.

Trust is further reinforced through Mutuum’s comprehensive audit by CertiK. The platform received a 95 rating from Token Scan and a 77.5 score on CertiK’s Skynet, validating its smart contract security and protocol design. To go a step further, Mutuum Finance (MUTM) has also launched a $50,000 bug bounty to continuously stress-test its infrastructure and reward responsible disclosures. A $100,000 giveaway campaign is also helping drive broader community engagement as the ecosystem builds toward its next big milestone.

Looking ahead, Mutuum Finance (MUTM) is preparing to roll out the beta version of its lending platform shortly after the token’s public exchange listing. With a confirmed presale price of just $0.03 and long-term projections pointing toward $12 by 2026, the upside potential is hard to ignore.

To put that into perspective: an investor who enters today with just $10,000 would receive approximately 333,333 MUTM tokens. If the token hits its projected price of $12, that position would be worth a jaw-dropping $4 million—representing a 400x return.

Even a more modest growth scenario—say, reaching just $3—would still yield $1 million, which is 100x from today’s level. For long-term crypto investors hunting for high-reward DeFi opportunities with real utility and roadmap execution, MUTM is quickly rising to the top of the list.

With whales beginning to position early, and only paper gains realized so far due to presale holding restrictions, retail investors now have a rare opportunity to ride alongside deep-pocketed players in what many are calling the next big DeFi breakout. As the token inches closer to $0.035, Mutuum Finance (MUTM) is fast becoming the go-to name for serious yield seekers ready to move before the crowd.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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