A top investors $250 bet on Pepe (PEPE) just three days after its unveiling, morphed into a six-figure jackpot

Now, she’s plowing her gains into Mutuum Finance, (MUTM), a sub-$0.025 token that’s speeding through its Phase 3 presale.

A top investor's $250 bet on Pepe (PEPE) just three days after its unveiling, morphed into a six-figure jackpot as the meme coin surged to a $1 billion market cap. Now, she’s plowing her gains into Mutuum Finance, (MUTM), a sub-$0.025 token that’s speeding through its Phase 3 presale.

Since launching, MUTM’s presale has raised over $4.4 million, with 6300 investors already set to get their tokens ahead of its exchange listing. Phase 3, which is priced at $0.02 is already 50% sold-out and is driving momentum in Phase 4, which sees a 25% increase at $0.025. Early investors could lock in a 200% return upon launch, with early indicators suggesting a seismic rise once listed.

The presale momentum of Mutuum Finance

Mutuum Finance (MUTM) is not about meme-driven hype. The project is built on a decentralized lending protocol and combines real-world utility with a buy pressure engine intended to deliver long-term value. $1.5M+ (Over $1.5 million was invested in its initial stages, supported by a model that enabled users to lend, borrow, and earn yields through tokenized deposits such as mtETH or mtDAI). The presale velocity resembles Pepe’s early momentum, however, MUTM’s infrastructure — over-collateralized loans, dynamic interest rates, and 2,400% ROI potential — places it as a well-calculated alternative to speculative assets.

There’s a timer ticking down for Phase 3 investors, who are buying at $0.02 until this tier is sold out, when it will be priced at $0.025. Tokenomics are pegging the exchange listing at $0.06, tripling current entry points. Forecasts further out, post-launch, are bolder. Tracking MUTM’s revenue-share mechanism —where platform payees buy tokens for staker rewards—analysts project ascent past $1.50 by late 2025. For context, a $1,000 bet today could be worth over $75,000 if these targets hit.

Mutuum Finance (MUTM) avoids the volatility that has plagued meme coins by tying the price of its token to the on-chain activity of its users. Each loan issued via the platform is collateralized with more than the amount borrowed, protecting lenders against defaults. At the same time, a portion (20%) of all platform fees go toward buying back MUTM from the open markets (re-distributed as tokens to mtToken stakers). That creates constant demand, absorbing sell-offs and rewarding holders.

The mtTokens — the protocol’s interest-bearing deposits — also add a layer. And when users stake ETH or stablecoins, their mtTokens increase in value and can be traded on various DeFi ecosystems. This enterprise interoperability enhances MUTM’s value proposition compared to ordinary lending platforms for liquidity miners and yield farmers that search for compounded interests.

Reassurance through security and giveaways

Mutuum Finance (MUTM) is close to completing a CertiK audit of its smart contracts, with results expected soon. Audits aren’t unprecedented, though pairing one with a $100,000 presale giveaway sharpens investor attention. And 10 participants will receive $10,000 each, meaning if you get in early before the official close of Phase 3, it’ll be worth your while.

The project’s roadmap also hints at an overcollateralized stablecoin, which would further expand its DeFi arsenal. In contrast to algorithmic stablecoins, Mutuum’s market will be collateralized by surplus crypto reserves, a point of stability — a hard sell as the sector undergoes regulator scrutiny.

Timing the entry window

Pepe’s rise was a bolt of lightning; Mutuum Finance (MUTM) is a controlled burn. Its presale design — gradual price increases, limited token supply — replicates structures underpinning Avalanche’s and Polygon’s early wins. The entry point of $0.02 will not last long with Phase 3 over 50% filled. Those passing on PEPE’s launch shouldn’t forget a lesson of hindsight: projects pairing utility, scarcity, and buy pressure tend to do better than their purely speculative counterparts.

Mutuum Finance (MUTM) opens at $0.06, but it could fare even better on the secondary markets. Post-launch targets reaching $1.50 sound ambitious until we look at its revenue mechanics. And even conservative estimates give us 50x returns if adoption picks up speed. The single mom wagering on PEPE saw a trend; MUTM’s presale performance suggests she’