According to new blockchain data, a veteran cryptocurrency investor who purchased Ripple (XRP) during its 2013 initial coin offering has purportedly cashed out of holdings at an eye-watering 21,308% profit. That anonymous trader, now putting money into emerging DeFi projects instead, has picked out one high-potential successor in Mutuum Finance (MUTM).
Currently, in its fourth presale phase, MUTM is selling for $0.025 and has already attracted $6.3 million from 7,900 holders. With a 20% price increase to $0.03 planned for Phase 5, analysts point out that early interest is limited to a narrow window for accumulation before exchange listings trigger exponential returns.
Phase 5 is nearing as Mutuum Finance presale catches fire
Mutuum Finance’s unique presale mechanism is already collecting momentum, with Phase 4 close to hitting its fundraising limit. Tokens bought at the current $0.025 valuation mean a 140% profit when it debuts on exchange at $0.06, a figure that ties directly into the project’s tokenomics. Phase 5 is scheduled to finally launch with a 20% increase to the price for investors to $0.03.
At each phase, urgency mounts as the window for accessing the course at a discounted rate shrinks, resulting in a tiered model with 11 different stages. Already, more than 7,900 holders have made their move, indicating strong confidence in MUTM’s decentralized lending utilities and revenue-driven buyback engines.

A 14,900% surge predicted due to tokenomics
Outside of the presale’s 140% ground returns, post-launch estimates outline a much more bold vision. Mutuum Finance’s hybrid model of overcollateralized loans, dynamic interest rates, and mtTokens that accrue value over time has been likened to early-stage Aave and Compound.
But while other DeFi startups offer giant APYs for an ephemeral period, MUTM’s buy-and-distribute mechanism, which redirects platform fees into targeted token buy-back and distribution, generates the type of repurchase demand that creates the same recurring demand you find on blue-chip tokens.
These fundamentals could see a leap towards $3.50 for MUTM within a year of the listing, according to market observers — a 14,900% leap from its price during Phase 4. This would overshadow even Ripple’s jaw-dropping rise and be an express lane to generational wealth for those who get in on presale.
Security audits and ecosystem expansion in progress
In a bid to backup their project’s credibility, Mutuum Finance has begun a Smart contract audit with CertiK, leader in the blockchain security arena. Once finalized, results will be published across official channels, the team confirms, a step likely aimed to further reassure the protocol’s reliability.
Meanwhile, developers are moving forward with plans for an overcollateralized stablecoin, which is intended to deepen liquidity while staying true to DeFi’s decentralized ethos. Such initiatives, combined with a $100k reward for early adopters, mends MUTM’s dedication to community trust and long-term viability.
The crypto market is rarely forgiving or ripe for duplicating windfalls such as the 21,308% gain achieved to date by Ripple. Mutuum Finance (MUTM), on the other hand, is creating a similar path—underpinned by real product development, not hype. As Phase 4 entries see a rapidly approaching deadline and CertiK verification is awaited, the project lies at a crucial inflection point. The early adoption today is akin to buying XRP for $0.005, only the mechanisms are designed differently to support growth long after the IEO listings.
Locking your place before Phase 5 starts
Entry barriers increase and windows close as presale phases progress. The current valuation of $0.025 of Mutuum Finance is still available, but only until the next 20% increase. In a market starved of utility-oriented tokens, this pivot at this point is a tactical play for asymmetric returns for the investor. For participation before the end of Phase 4, go to Mutuum Finance’s official website.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance
DISCLAIMER – “Views Expressed Disclaimer: This article is not financial advice. Cryptocurrencies are volatile and unpredictable. Due diligence and caution are paramount. Views and opinions expressed are those of the authors and do not reflect the official position of any other author, agency, organization, employer or company, including NEO CYMED PUBLISHING LIMITED, which is the publishing company performing under the name Cyprus-Mail…more