Mutuum Finance (MUTM) has emerged as a standout altcoin amid a market dominated by speculative assets like DOGE and TRUMP. Priced at $0.035 during its ongoing presale, MUTM offers a compelling contrast to memecoins through its structured decentralized finance (DeFi) ecosystem, which emphasizes real utility and long-term growth [1].

Unlike DOGE and TRUMP, which rely on social media-driven hype and volatile price swings, Mutuum Finance is building a dual lending system designed to serve both risk-tolerant and risk-averse investors. Through its Peer-to-Peer (P2P) lending model, users can leverage volatile tokens as collateral to borrow stablecoins such as USDC or DAI, with customizable loan terms. The Peer-to-Contract (P2C) pools, on the other hand, focus on blue-chip assets like ETH and LINK, offering consistent returns between 7.8% and 10.4% APY [1].

Currently in Phase 6 of its presale, MUTM has attracted over 15,000 holders and raised more than $14.25 million, with 15% of available tokens already sold. The next presale phase is expected to see a 15% price increase to $0.040, making the current $0.035 price a potentially attractive entry point for investors [1].

Security remains a key pillar of the project. A recent CertiK audit, conducted on May 20, 2025, gave the platform a score of 95 with a Skynet rating of 78, reinforcing confidence in the platform’s smart contract integrity [1]. Looking ahead, the project plans to integrate Layer-2 technology to reduce transaction costs and improve scalability. Additionally, a stablecoin launch is in the works, which will allow users to borrow overcollateralized assets with interest rate controls to maintain its value at $1 [1].

The platform also supports high loan-to-value (LTV) ratios on major assets like BTC and ETH, enhancing capital efficiency for borrowers. These features are expected to become more valuable as the project moves closer to its beta launch and explores institutional adoption [1]. A notable example of potential returns is an investor who purchased MUTM in Phase 1 at $0.01 with $5,000 of ETH. At the current $0.035 price, this investment represents a 5x gain. Analysts forecast a listing price of $0.06, with conservative post-listing estimates ranging from $0.12 to $0.18 by the end of 2025, potentially leading to total returns of 12x to 18x [1].

The growing shift of capital from speculative tokens like DOGE and TRUMP to projects like MUTM reflects a broader trend in the DeFi space. Investors are increasingly prioritizing protocols with audited security, clear roadmaps, and real-world utility over purely meme-driven assets. This trend is reinforced by the strong institutional interest and technological advancements in the MUTM ecosystem [1].

With the Phase 6 presale nearing its end and an impending 15% price jump in Phase 7, investors are advised to act quickly to secure MUTM at $0.035 before it appreciates further. The combination of stable returns from P2C lending and flexible P2P loans positions Mutuum Finance as a unique player in the DeFi landscape [1].

Mutuum Finance is now positioning itself as a top altcoin pick that not only trades at a discount to DOGE and TRUMP but also offers a more robust and sustainable investment proposition. Its innovative approach to lending, coupled with strong security measures and clear growth drivers, makes it a compelling alternative in a crowded market [1].

Source: [1] A top altcoin pick that’s still trading cheaper than DOGE and TRUMP, and it might not stay at $0.035 much longer (https://invezz.com/news/2025/08/11/a-top-altcoin-pick-thats-still-trading-cheaper-than-doge-and-trump-and-it-might-not-stay-at-0-035-much-longer/)