Ethereum (ETH)’s next halving event in 2026 is already shaping investor sentiment, with market participants looking for assets capable of delivering exponential growth before the milestone. Among these, Mutuum Finance (MUTM) stands out as one of the most utility-driven tokens currently priced under $0.05. In Phase 6 of its presale at $0.035, the project has attracted over $14.3 million from more than 15,000 holders, with 15% of this phase’s allocation already sold. Investors are securing positions ahead of the price moving to $0.040 in Phase 7, recognising that this early stage provides the strongest setup for significant returns before the broader market enters its next bullish cycle. Mutuum Finance (MUTM): lending architecture designed for dual market strength The foundation of Mutuum Finance (MUTM) is its dual lending architecture, which will operate on both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) models. In the P2C system, lenders will deposit stable and blue-chip assets into non-custodial liquidity pools and receive mtTokens representing their deposits and accrued interest. These mtTokens will be tradable ERC-20 assets and can be staked within designated smart contracts to earn MUTM rewards. This process will not only allow users to grow their holdings passively but will also feed into the platform’s buyback-and-distribute model, where protocol revenue will be used to purchase MUTM from the open market for reward distribution. In parallel, the P2P model will serve borrowers and lenders dealing in higher-risk assets such as memecoins, allowing interest rates to be negotiated directly between participants. This flexibility will position Mutuum Finance (MUTM) as a comprehensive liquidity hub, enabling both conservative and aggressive strategies to operate within the same ecosystem. With the planned Layer-2 integration, transaction speeds will be near-instant while costing only a fraction of current gas fees, removing one of the largest barriers to mainstream DeFi adoption. A strategic setup for long-term growth The tokenomics and roadmap of Mutuum Finance (MUTM) are built with growth acceleration in mind. The presale progresses through 11 phases, ending with a listing price of $0.06. At the current $0.035 in Phase 6, early participants are already positioned to benefit from multiple upward pricing steps before the public listing. Once the beta launch goes live, revenue from lending and borrowing will be directed into the buyback-and-distribute system, creating consistent buy pressure for MUTM on exchanges. One of the most anticipated features is the protocol’s stablecoin, which will only be minted against overcollateralized cryptocurrency and burned upon loan repayment. This design ensures that the stablecoin supply is tightly linked to active lending activity, driving liquidity and transactional demand for the platform in all market conditions. In volatile markets, the ability to park value in this stablecoin while earning yields will be a powerful utility driver. Security and trust have been prioritized from the outset. Mutuum Finance (MUTM) has undergone a full audit by CertiK, achieving a Token Scan Score of 95 and a Skynet Score of 78, benchmarks that will be reassuring to investors. Engagement with the community is being amplified through a $100K giveaway for 10 winners and a $50K bug bounty program, with rewards structured by severity to incentivize thorough testing and feedback before the mainnet launch. As the platform moves toward its exchange listings—targeting top-tier venues such as Binance, KuCoin, and Coinbase—market access will expand dramatically. Analysts tracking the project have identified the combination of presale positioning, token utility, revenue-backed buybacks, and upcoming macro catalysts as the key drivers for an 18x return projection by the time Ethereum (ETH)’s halving takes place in 2026. For investors, the entry point at $0.035 during Phase 6 offers both immediate phase-to-phase appreciation and long-term upside in line with the platform’s growth curve. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post MUTM investors targeting 18x returns before the next ETH halving in 2026 appeared first on Invezz
