The race to redefine lending in the decentralized finance space has a new name on the rise: Mutuum Finance ($MUTM). With its presale already surpassing early funding targets and community momentum snowballing across X and Telegram, this under-the-radar DeFi project is rapidly gaining steam.
But is the hype around Mutuum Finance just another short-lived DeFi frenzy, or is it signaling a breakout protocol preparing for long-term impact?
In this article, we break down everything you need to know about Mutuum Finance’s presale, launch timeline, analyst predictions, and how it compares to a leading Layer-2 protocol already delivering real-world results: PlutoChain ($PLUTO).
What Is Mutuum Finance?
Mutuum Finance is a decentralized lending protocol designed to bring real-world collateral and undercollateralized loans to Web3. While most DeFi platforms rely heavily on overcollateralized crypto assets, Mutuum aims to bridge Web2 credit scoring data with Web3 loan execution — unlocking lending opportunities for borrowers with strong reputations but limited capital.
Key features of Mutuum Finance include:
- On-chain identity scoring (MutuumID) for borrower verification
- AI-enhanced risk models that match lenders with ideal borrower profiles
- Multi-chain deployment, initially launching on Ethereum with expansion to Arbitrum and Base
- DeFi-native yield pools, where users can provide liquidity for interest-bearing loans
Its token, $MUTM, is used for governance, staking, risk scoring feeds, and liquidity mining.
Why Is the $MUTM Presale Gaining Attention?
With lending protocols making a comeback in the 2025 cycle, Mutuum is finding fertile ground for growth. The team raised over $8 million in the first three phases of the presale, bolstered by:
- Strong demand for undercollateralized lending models
- A surge in interest around AI-integrated DeFi protocols
- A detailed roadmap and transparent GitHub updates
- Support from early DeFi influencers who championed Aave and Maple Finance in previous cycles
Retail interest is building fast, and Google search trends for “Mutuum Finance presale” and “$MUTM launch” have spiked 140% in the last 30 days.
Mutuum Finance Launch Timeline & Roadmap
Based on the latest update from the team, here’s the projected $MUTM rollout:
- June 2025: Final presale round closes
- July 15, 2025: $MUTM token goes live on Uniswap and Gate.io
- Q3 2025: MutuumID verification system beta release
- Q4 2025: Launch of AI risk assessment engine + full lending pool access
- Early 2026: Multi-chain expansion and DAO activation
With audits already underway and liquidity partnerships in motion, the protocol is aiming for a clean and well-backed launch.
Analyst Price Predictions: Can $MUTM 10x?
While presale buyers are eyeing conservative 2–3x gains, more aggressive analyst models have floated 10x potential — especially if Mutuum’s undercollateralized lending solution goes live without delay.
Here’s a snapshot of leading forecast models:
| Timeframe | Price Estimate | Analyst Insight |
|---|---|---|
| Launch (Q3 2025) | $0.03 – $0.05 | Based on IDO valuation and projected DEX/CEX demand |
| Q4 2025 | $0.08 – $0.12 | Dependent on active lending volume + verified borrowers |
| Bull Case 2026 | $0.25 – $0.35 | Assuming success of AI scoring & multi-chain usage |
While it’s still early, investor optimism appears grounded in solid tokenomics and an underserved market need.
Meanwhile, PlutoChain ($PLUTO) Is Already Delivering Real Adoption
As promising as the Mutuum Finance presale may be, there’s already a Layer-2 blockchain delivering value in the market — and that’s PlutoChain ($PLUTO). Built to scale Bitcoin with full EVM compatibility, PlutoChain is positioning itself as the foundational Layer-2 for smart contract activity on BTC.
Unlike Mutuum, which is still building toward mainnet, PlutoChain is already live, trading, and gathering real metrics that reflect strong user and developer demand.
Here’s what PlutoChain has achieved so far:
- Launched directly on Uniswap, with a 120% price explosion on day one
- After a brief cooldown, the token rebounded 32% in just six hours
- More than 113,000 testnet transactions were recorded before its public release, highlighting real traction
- Built using Celestia + OP Stack, it delivers high throughput, low fees, and near-instant confirmations
- Fully EVM-compatible, which allows Ethereum dApps to port directly to PlutoChain without needing to rewrite code
But PlutoChain’s story doesn’t stop at infrastructure. It’s quickly becoming a BTCFi hotspot, with:
- New DeFi projects launching weekly, from swaps and yield platforms to NFT marketplaces
- Cross-chain bridges and liquidity incentives already live to accelerate ecosystem growth
- An active developer community, supported by a faucet, testnet grants, and community voting tools
- A growing narrative as Bitcoin’s DeFi backbone, fueled by its ability to support composable finance on a Layer-2 anchored to BTC’s security
While newer projects like Mutuum Finance aim to disrupt niche verticals, PlutoChain is focused on laying the base layer for the entire BTC smart contract economy. And it’s doing it with verifiable metrics, not speculative hype.
For investors evaluating early-stage tokens vs. live momentum plays, PlutoChain stands out as one of the only Bitcoin-native Layer-2s with market-ready performance — and it continues to set the bar for what a live protocol should look like in 2025.
Disclaimer: This article is for educational and informational purposes only. It should not be considered financial advice. Always perform your own research before investing in any cryptocurrency or DeFi platform. Crypto investments carry risk and can result in loss of capital.
