How to Buy Mutuum Finance (MUTM) – Easy Guide
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To buy Mutuum Finance (MUTM), you should visit the official presale page, connect a non-custodial wallet funded with ETH, BNB, USDC, or USDT, confirm the transaction, and claim your MUTM tokens after the presale ends.
In this guide on how to buy Mutuum Finance, we’ll walk you through the steps to join the ongoing MUTM presale. Along the way, we’ll also break down the project’s tokenomics, highlight its key features, and explain why it has started attracting attention in the DeFi space.
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How to Mutuum Finance (MUTM) – 4 Steps Summarized
To buy MUTM tokens, follow these simple steps:
- Get a secure crypto wallet: Set up a secure crypto wallet, such as Best Wallet. Don’t forget to save your seed phrase in a safe, offline location.
- Buy compatible tokens: To purchase MUTM tokens, you will need to fund your wallet with either ETH, USDT, or USDC.
- Visit the presale page: Make sure you are on the official Mutuum Finance presale website and connect your wallet.
- Buy tokens: Fill out a buy order by selecting the token you want to use for payment and the number of MUTM tokens you wish to purchase.
How to Buy Mutuum Finance (MUTM) – A Step-By-Step Guide
In the sections below, we will show readers how to buy Mutuum Finance in five simple steps:
Step 1: Get a Crypto Wallet
Before you can purchase MUTM tokens, you need to get a cryptocurrency wallet that is compatible with the presale. Interested investors can use some of the best crypto wallets, including Best Wallet, MetaMask, and Trust Wallet, to connect with the presale.
We recommend Best Wallet because of its smart trading tools, strong security features, and no-KYC access. The Best Wallet app can be downloaded for free on iOS and Android.
When using Best Wallet or any of the other compatible wallets, simply download the app and enter your email address to create a new account.
Visit Best WalletStep 2: Buy Compatible Tokens
MUTM can be purchased using compatible tokens such as Ethereum (ETH), Tether (USDT), and USDC (USDC). These tokens can be purchased through any of the best crypto exchanges in the world. Once you make the purchase, transfer the tokens back to your crypto wallet.
Step 3: Visit the Presale Page
Once the wallet is loaded, visit the Mutuum Finance presale website. Select the ‘Connect Wallet’ option, and follow the instructions on-screen to connect your wallet to the presale.
Step 4: Buy Tokens
Once the wallet is connected, you can start filling out the buy order. Firstly, select the token you want to use for payment (ETH, USDT, USDC). Then, enter the amount of tokens you wish to purchase. Click ‘Buy Now’ to confirm the transaction.
Notably, investors who buy at least $50 worth of MUTM tokens have a chance of winning from the $100K giveaway, designed exclusively for presale investors.
Step 5: Claim MUTM Tokens
The Mutuum Finance team should announce the token claim date closer to the end of the presale. Once the claim date goes live after the presale ends, investors can head back to the website and claim their tokens into their respective crypto wallets.
Mutuum Finance Overview
Mutuum Finance is a decentralized liquidity protocol, a platform that mediates interactions between borrowers and lenders without restrictions on who can participate.
The platform is designed to deliver flexible interest rates, deep liquidity, and support for a wide variety of tokens, making it easier for users to access and manage their funds. Here is a quick overview of the project:
| Token Symbol | MUTM |
| Category | Utility Token, DeFi Lending |
| Chain | Ethereum |
| Price | $0.035 |
| Amount Raised | $17M |
🖥️ Decentralized Liquidity Protocol
Mutuum Finance is a non-custodial DeFi platform where users can act as lenders, borrowers, or liquidators. Lenders earn interest by depositing crypto into liquidity pools, while borrowers gain access to overcollateralized loans without needing to match with specific lenders.
⚖️ Balanced Token Allocation
With a total supply of 4 billion tokens, MUTM’s distribution focuses heavily on growth and sustainability. While the largest allocation goes toward the presale (45.5%), this new cryptocurrency has also set aside funds for ecosystem rewards, security reserves, and further funds for partnerships and community incentives.
🚀 Presale Overview
Since the presale launched back in January 2025, Mutuum Finance has raised nearly $18.7 million. At the time of writing, MUTM is priced at $0.035 per token, with the price set to increase to $0.06 by the final round.
🗺️ Roadmap Analysis
Mutuum Finance’s roadmap lays out a structured plan from the recent launch of its presale to smart contract development and the launch of a functional demo and full mainnet release. The final phase includes exchange listings, institutional partnerships, and expansion across multiple blockchains.
Investing in presales, such as Mutuum Finance, can be rewarding, but you have to be cautious and protect yourself. Here are a few practical tips to ensure your investment remains safe.
👛 Protect Your Wallet
- Use a reliable self-custody wallet where you remain in control of your funds. Options like Best Wallet or other trusted providers give extra protection with features such as PIN codes, biometrics, and two-factor verification.
- Set a strong password and avoid reusing one from other accounts. Activate any additional security settings your wallet offers.
- Keep your recovery phases offline, as there is a chance of them getting accessed by hackers if you save them online. Write it down and store it securely, rather than leaving it on your phone, computer, or online storage.
⛔ Avoid Fake Links
- Always double-check the website address before connecting your wallet. Scammers often create near-identical websites to trick investors.
- Use only the official Mutuum Finance presale website shared on their verified channels.
- Never give out your private keys, password, or seed phrase. The real team will never ask for this information.
🔎 Do Your Own Research
- Look into the project details before buying. Read through the Mutuum Finance whitepaper and roadmap, and the team’s plans to understand how Mutuum Finance works.
- Remember that presales carry risks, and prices can change quickly after launch. Only commit funds you are comfortable losing.
- If possible, spread your investments across a few strong projects instead of putting everything into one token.
Mutuum Finance Tokenomics Explained
MUTM has a total supply of 4 billion tokens, which has been divided across eight categories. Let’s take a look at how exactly the token supply has been distributed:
| Allocation | Percentage | Description |
|---|---|---|
| Presale | 45.5% | The presale is the initial phase through which the public can purchase MUTM tokens at a fixed price. |
| Liquidity mining & incentives | 10% | These tokens are set aside to reward users who supply or borrow on the platform. This allows the project to attract more liquidity and stay competitive with better yields and rates. |
| Ecosystem growth & developer rewards | 10% | This allocation is to incentivize developers, contributors, and projects that support Mutuum Finance’s growth. |
| Security & shortfall reserve | 10% | Tokens set aside to cover any potential risks or shortfall. |
| Liquidity | 10% | This allocation is to ensure that Mutuum Finance has sufficient liquidity on exchanges when it gets listed. |
| Partnerships | 5% | Tokens set aside for the formation of any future partnerships that can help the ecosystem grow. |
| Community Incentives & Giveaways | 5% | This fund has been reserved to reward the community for supporting and sticking with the project. |
| Team & Founders | 4.5% | The allocation set aside for the development team. This amount will be vested for 6 months. |
Has Mutuum Finance Been Audited?
Mutuum Finance has been audited and verified by Certik, a popular blockchain security company. The audit has provided a security score of 77.46, indicating moderate security transparency.
👉 Check Certik’s Mutuum Finance audit
Why Invest in the MUTM Presale?
Before making an investment decision, take a look at some of the top reasons to join the MUTM presale:
🤑 Soaring Presale
Mutuum Finance has raised almost $18 million in its ongoing presale. Furthermore, early presale investors can secure tokens at a discounted price of just $0.035, before the price rises by 71% to $0.06 by the final stage.
🎁 Massive Presale Giveaway
Mutuum Finance is hosting a $100K giveaway, which will be distributed evenly to 10 lucky presale participants. To participate, investors need to purchase at least $50 worth of MUTM tokens during the presale. For a better chance at winning, complete other quests such as following Mutuum Finance on X and joining the Telegram channel.
💳 Unique Buy-and-Distribute Model
Early investors can opt to stake tokens to help contribute to the platform’s security. Mutuum Finance plans to reinvest the platform fees generated into buying back tokens from the market. These tokens will then be redistributed to the token stakers, helping create consistent buy pressure while rewarding long-term supporters.
📈 DeFi Growth Potential
The DeFi market is expected to reach a valuation of $178.63 billion by 2029, with a predicted CAGR (Compound Annual Growth Rate) of 43%. Mutuum Finance plans to tap into this growing sector with its decentralized lending and borrowing platform.
Why Not Invest in the MUTM Presale?
🗓️ No Presale End date
While the team behind Mutuum has suggested that the presale will end once it is sold out, there is no clear deadline as of yet. A bona fide end date signals to investors that a project is serious about execution after the fundraising stage ends.
Investors should remain skeptical of projects that have endless fundraising stages. It signals that they are more concerned with raising funds than launching a finished product.
⚠️ No Publicly Available Protocol Audits
The project has secured an audit for the token contract; however, it is promising a full-fledged DeFi protocol. The success of the project depends more on the safety of the protocol, rather than the token. Seeing as how these types of applications often suffer from exploits, the audit should be prioritized.
It should be noted that there is a protocol audit underway from Halborn Security, according to the official X (formerly Twitter) account. Regardless, potential investors should remain cautious until the audit is released.
🔍 Independent audit in progress. @HalbornSecurity is reviewing Mutuum’s lending & borrowing contracts. Code is finalized and under formal analysis.
We’ll provide regular updates and confirm the testnet launch window soon.
Join Mutuum: https://t.co/Xflb7p0U1G pic.twitter.com/8EetFQQIja
— Mutuum (@MutuumFinance) November 20, 2025
📊 Oversaturated Market
New DeFi protocols, particularly for borrowing and lending, face stiff competition from legacy dApps like Aave. Statistically speaking, the odds are not in Mutuum’s favor. This does not mean that it will not be successful, however.
Mutuum Finance Price Prediction – What is Next for MUTM?
In the short term, MUTM’s price may be impacted depending on the overall presale performance. Interestingly, while Mutuum Finance has been selling out impressively, the presale stage has been ongoing since January.
On top of the prolonged presale, the development team has not provided any clarity on the presale’s end date. Therefore, despite raising $17 million, cautious and long-term investors may wait on the sidelines until there is more information available regarding the presale’s conclusion and exchange listing dates.
While making long-term investments, it is advisable to look for crypto tokens that offer real utility. Mutuum Finance meets this requirement, as it is building a decentralized infrastructure with multiple benefits for token holders. These features could attract steady users if they are delivered smoothly. However, the real test will be whether the team can launch a stable product that is adopted by users.
While the features have not launched yet, the Mutuum whitepaper provides a detailed breakdown of collateral, liquidation, and risk management, which shows how the system is planned to function once it goes live.
But the roadmap does not provide any exact timelines as to when we could expect the features to roll out. This lack of clarity may hold back some investors, even though the design looks solid.
Since a lot of these factors remain speculative, we have set a conservative price prediction for MUTM, expecting the token to trade between the $0.055 – $0.097 range by 2030.
Factors Affecting the Price of MUTM
Before investing in this token, let’s take a look at some of the main factors that can affect the price:
- Strong Presale Conclusion – As mentioned above, while the presale has raised nearly $18.7 million, it has been ongoing for almost 8 months. With no presale end date announced, this lack of clarity could create doubt in the minds of investors. Therefore, a timely presale announcement could help regain the trust of investors and also build momentum ahead of future exchange listings.
- Successful Features Rollout – The Mutuum Finance roadmap outlines upcoming smart contract development, platform beta testing, and the official mainnet launch. However, there is no exact timeline for launching these features. Without any firm delivery milestones, the MUTM token may be prone to volatility.
- Market Sentiment Risk – Like most new crypto tokens, MUTM’s price may be influenced heavily by broader crypto market trends. Bullish conditions could boost demand, but bearish sentiment could lead to sharp sell-offs.
- DeFi Expansion – DeFi tokens are among the fastest-growing assets in the crypto space, with a live market cap of $164 billion. While Mutuum Finance will look to tap into this growing niche, it will also have to stand out among competitors such as Chainlink (LINK), Hyperliquid (HYPE), and several others.
Other Crypto Presales to Consider
While Mutuum Finance is conducting one of the most popular presales of the year, here’s a list of 3 other top crypto presales that have been performing exceptionally well:
Best Wallet Token (BEST) – Utility Token Powering Best Wallet
First on our list is Best Wallet Token , which has raised more than $15.54M since its presale launched a few months ago. The native token of the Best Wallet ecosystem, BEST, has been designed to provide holders with several benefits.
First, token holders will get reduced transaction fees across the platform. Investors also gain early access to upcoming presales and new projects through the wallet’s ‘Upcoming Tokens’ page.
Staking is another key draw, with enhanced APY rewards available through the Best Wallet staking aggregator. Beyond utility, BEST can be held to access governance rights, allowing the community to have a direct say in shaping the ecosystem’s growth. With its mix of security, access, and incentives, Best Wallet Token stands out as a top presale worth watching.
Visit Best Wallet TokenBitcoin Hyper (HYPER) – New Bitcoin Layer 2 Solution
Bitcoin Hyper 
HYPER +18.13% is one of the top new presales of the year, raising more than $30.69M in just a few months. The project is building the first-ever DeFi-capable layer-two (L2) mechanism for Bitcoin. Bitcoin Hyper aims to enable near-instant, low-cost transfers and unlock new features such as staking and DeFi applications.
By using Solana’s Virtual Machine for scalability and layering zero-knowledge proofs for security, it aims to combine speed with trust. To earn passive income, HYPER, the native token, can be staked to earn an APY (annual percentage yield) of up to 38%. Due to this stellar utility, Bitcoin Hyper could become a core part of Bitcoin’s expanding DeFi economy.
Visit Bitcoin HyperMaxi Doge (MAXI) – Meme Coin With 1000x Leverage
Maxi Doge 
MAXI +11.40% has taken the meme coin market by storm, raising more than $4.48M since it launched its presale campaign. Branding itself as the ultimate strength of the crypto bull run, Maxi Doge is for all those degen traders searching for the next big bet in the market. For its community, Maxi Doge will host weekly trading competitions and offer rewards to the best performers.
The project already has plans to integrate a futures trading platform and host gamified competitions, all great tools that can help expand the community. Currently, MAXI can also be staked to earn an annual yield of up to 70%.
Visit Maxi DogeConclusion
Mutuum Finance (MUTM) is shaping up to be one of the top presales of the year. So far, it has raised over $18.7 million while building a decentralized lending and borrowing protocol. Yet, the prolonged presale and lack of release dates make it a risky investment that requires caution and proper research. The project’s long-term success will depend on whether the team can deliver its promised features and attract sufficient users to maintain active liquidity.
For investors looking beyond Mutuum Finance, several other standout presales are gaining traction this year. Explore our full list of the top crypto presales to watch.
Check Out Best Crypto Presales of 2026FAQs
What is Mutuum Finance (MUTM)?
How can I buy MUTM tokens in presale?
What is the price prediction for MUTM?
When will MUTM list on exchanges?
What are some alternative presales to Mutuum Finance?
Why buy MUTM during presale?
References
- Best Ways to Store your Wallet Recovery Phrase (Cleartax)
- Decentralized Finance (DeFi) and Its Potential to Disrupt the Economy (Stocks Mantra)
- For long-term crypto gains, look to utility (Raconteur)
- Mtuum Finance (Mutuum)
- Mtuum Whitepaper (Mtuum)
- Mutuum (MUTM) Audit (Certik)
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