This Token Isn’t Even on Binance Yet, But It’s Beating PEPE in Weekly Volume and Growth Speed

The crypto world is no stranger to surprises, but few expected a DeFi protocol with zero exchange listings to surpass meme giants like PEPE in weekly growth and wallet activity. Yet that’s exactly what’s unfolding with Mutuum Finance (MUTM)—a protocol still deep in its presale phase, yet already capturing serious attention thanks to its high-utility, real-yield lending model. While the token remains unlisted, its volume and traction are accelerating at a rate even PEPE didn’t hit in its early days.

The growing interest around Mutuum Finance (MUTM) stems from its forward-thinking hybrid approach to decentralized finance. The protocol is set to introduce a powerful combination of Peer-to-Contract (P2C) lending for blue-chip assets and Peer-to-Peer (P2P) lending backed by meme tokens. This dual-track system is designed to let crypto holders unlock value from their assets without liquidating them, while generating passive income through smart contracts once the platform goes live.

In the upcoming P2C model, for example, ETH holders will be able to deposit $8,000 worth of ETH and receive 8,000mtETH in 1:1—a synthetic token that auto-accrues yield. At a projected 16.5% APY, this could mean $1,320 in passive annual income, all without selling a single token. And since mtTokens will remain tradable, users will retain both liquidity and upside exposure.

From Meme Backing to Real DeFi Performance

While the protocol is gearing up to win serious DeFi users with its blue-chip lending model, it’s also poised to capture the imagination of meme coin believers through its upcoming P2P lending mechanism. In this system, users will be able to collateralize meme tokens like TRUMP, DOGE, SHIB, and FLOKI, unlocking stablecoins without needing to sell. For example, a holder of $3,000 worth of TRUMP tokens will be able to receive a $1,500 loan in USDC at a 50% LTV. Borrowers will define their own loan terms, interest rates, and repayment schedules—with no forced liquidation unless the LTV threshold is breached.

This sort of flexible lending is exactly what meme token communities have long lacked: a way to extract utility from holdings that have traditionally been speculative. The fact that Mutuum Finance (MUTM) is building this with full overcollateralization—and without relying on any centralized intermediary—adds a crucial layer of trust ahead of launch.

The presale numbers back up the momentum. Mutuum Finance (MUTM) has already raised $12.6 million and boasts more than 13,600 holders. Currently priced at $0.03, Phase 5 of the presale is 85% sold out. The next price hike to $0.035 is just around the corner, and investors are scrambling to lock in their positions before the surge. It’s worth emphasizing that these gains are still on paper since the token remains in presale and cannot yet be traded—but that’s exactly what’s fueling the current FOMO. Once it lists, many expect sharp upward price discovery.

Mutuum Finance (MUTM) CertiK Audit & Bug Bounty

Security and credibility remain cornerstones of the project. Mutuum Finance (MUTM) passed a full audit with CertiK, scoring 95 on Token Scan and 77.5 on the Skynet system. There’s also a $50,000 bug bounty in place, ensuring that the protocol continues to evolve safely under community scrutiny. With over 12,000 Twitter followers and growing daily, Mutuum Finance (MUTM)’s community is already rivaling those of more established projects—even before any centralized exchange listing.

Mutuum Finance (MUTM) isn’t listed on Binance yet, but it’s already beating established tokens in growth and demand. As presale rounds up and the token heads toward its $0.06 listing price, early believers are betting that this is just the beginning. 

In fact, projections suggest that Mutuum Finance (MUTM) could rise to $0.80 by early 2026, representing a potential 26.6x return from today’s $0.03 Phase 5 presale price. While meme tokens dominate headlines, Mutuum Finance (MUTM) is gaining attention for its real-world DeFi use case and sustainable token mechanics.

An investor allocating $6,250 at $0.03 would receive 208,333 MUTM tokens. If MUTM reaches $0.80, that holding would grow to $166,666, reflecting a 26.6x return on investment. With the current phase nearing completion and the next price hike looming, entry at $0.03 could prove to be a defining opportunity in this cycle.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance