Our guide takes you through four easy steps to buy Mutuum Finance and takes a closer look at the presale to find out if it’s worth investing in.

Mutuum Finance (MUTM) is a new DeFi project that’s building a lending platform where users can earn interest by lending their crypto or take out loans by providing collateral. It’s one of the few platforms that will offer support for both pooled lending and direct peer-to-peer loans.

The project’s native MUTM token has raised more than $15 million in its ongoing presale. While early investors are backing the idea, it remains to be seen whether MUTM can continue its momentum after it is listed on exchanges, with competitor presales high on its heels.

This guide will show you how to buy Mutuum Finance Token during its presale in a few simple steps. We’ll also review Mutuum Finance to find out if it is a good investment and give a price prediction from 2025 through 2030.

How to Buy Mutuum Finance (MUTM) Safely?

You can currently buy the MUTM token through Mutuum Finance’s official presale website. To participate, you’ll need a compatible Web3 wallet and some crypto.

Here’s a simple guide that explains how to buy Mutuum Finance Tokens safely:

Set Up Your Crypto Wallet

To buy MUTM tokens, you’ll need a Web3 wallet that supports ERC-20 tokens. We recommend opting for  Best Wallet for its ease of use, uncompromising security, and multi-chain support.

You can download Best Wallet from its official website or directly from the App Store or Google Play. After you’ve set up a new wallet, write down your seed phrase and store it somewhere safe, preferably offline. This recovery phrase is the only way to restore your wallet.

Add Funds

After completing the wallet setup, you’ll need to add funds that MUTM presale accepts. The Mutuum Finance presale currently accepts some of the  best cryptocurrencies like ETH, USDT, USDC, BNB, and MATIC. You can purchase these tokens directly within Best Wallet, which offers a fiat ramp to buy crypto using a credit card or bank transfer.

Ensure you have enough ETH (or any other supported coin) to cover both the purchase and the network gas fees for the transaction.

Connect Your Wallet to the Presale to Buy MUTM

Go to the official Mutuum Finance website and navigate to the presale dashboard. Simply click “Connect Wallet” and choose Best Wallet from the list of options. You can then scan the QR code that appears on the screen to connect your Best Wallet to MUTM’s presale site.

Once connected, select the crypto you want to use for payment. You can either enter the amount of MUTM tokens you wish to purchase or the amount of ETH/USDT you want to spend. Best Wallet will prompt you to approve the purchase and pay a small gas fee.

Claim Tokens After the Mutuum Finance Presale

After buying, you should be able to see your purchased MUTM balance on the presale page under the “Dashboard” section. If it doesn’t update immediately, refresh after a few minutes once the transaction is confirmed.

However, the actual tokens will be claimable only after the presale concludes. Once Mutuum’s presale ends and the token generation event occurs, you can claim MUTM tokens directly from the official site and receive them in your wallet.

What Is Mutuum Finance

Mutuum Finance is a DeFi project developing a non-custodial lending and borrowing platform. It aims to bring fresh wind to one of the fastest-growing segments in the crypto space, a sector that is projected to  surpass $78 billion by 2030.

In simple terms, Mutuum Finance will allow you to lend crypto to earn interest or borrow crypto by locking in collateral. What makes Mutuum different is its dual model: a pool-based peer‑to‑contract (P2C) side for mainstream assets, and a direct peer‑to‑peer (P2P) marketplace for riskier tokens.

The P2C model includes a pooled liquidity model similar to Aave or Compound. Lenders deposit assets into shared pools and, in return, receive mtTokens (for example, mtETH or mtUSDT) that represent their deposit. Borrowers will take over‑collateralized loans from these pools, meaning their collateral must be worth more than what they borrow.

It’s also relevant to mention that interest rates are variable and adjust with pool utilization. When most funds from the pools are lent out, the borrowing rate rises, which attracts more liquidity and encourages repayments.

Mutuum Finance is the link between lending and borrowing. Source: Mutuum Finance

On the other hand, the P2P model is for volatile or speculative tokens. Here, a lender and a borrower match directly and set custom terms such as interest rates and loan duration. This approach supports assets that many pooled markets typically avoid, like meme coins or newly launched tokens. The P2P market is also isolated from the main pools, so sudden price moves in those tokens do not affect the core liquidity.

Mutuum Finance gives borrowers a choice between variable and stable interest rates. Variable rates may start lower but can move with market conditions, which suits short‑term or flexible needs. Stable rates stay fixed for the tenure of the loan, which helps with planning and budgeting.

Moreover, a portion of platform revenue (such as interest fees) will be used to buy MUTM on the open market. The purchased tokens are then distributed to users who stake their mtTokens in the Safety Module. This creates an extra reward stream on top of normal interest, aligning user incentives with the protocol’s success.

The project’s ambitious roadmap includes multi-chain plans, new partnerships, and a USD-pegged stablecoin that aims to provide borrowers with on-demand liquidity.

But it’s important to keep in mind that Mutuum Finance is still in presale and has yet to launch any of the features we discussed above. The long-term success of the project will ultimately depend on how successfully Mutuum Finance executes its plans.

Top Mutuum Finance Alternatives to Watch

Though Mutuum Finance is gaining investor traction, crypto enthusiasts are now shifting their attention to other  promising crypto presales. Below, we’ve highlighted three other cryptocurrencies that investors should keep an eye on alongside Mutuum Finance:

1. Best Wallet Token

Best Wallet Token (BEST) is the native token of Best Wallet, one of the most popular non-custodial Web3 wallets. Early supporters are quickly scooping up BEST tokens, as they’ve invested over $16.02M into the Best Wallet Token presale.

The growing need for self-custody wallets is a major reason behind this early-adopter optimism. Unlike Mutuum Finance, Best Wallet is already live and actively caters to an established user base. It offers multi-chain support across more than 60 blockchains and provides access to 330 DEXs for the lowest possible swap rates.

One of Best Wallet’s fan-favorite features is its “Upcoming Tokens” portal, which lists some of the hottest crypto presales at ground-level prices before they are listed on exchanges.

Best Wallet Token presale. Source: Best Wallet

Holding BEST tokens will unlock a range of perks in the Best Wallet ecosystem. For example, token holders are eligible for lower transaction fees when buying or swapping crypto in the wallet, higher staking yields, and even governance voting rights. What is more, BEST token holders will also receive exclusive stage-zero access to new token launches on the Upcoming Tokens portal.

If Best Wallet continues to grow its user base, demand for BEST will also increase. This gives BEST an underlying utility value beyond market hype. Interested buyers can purchase BEST tokens at the current price of just $0.025675 each and stake them for a high annual return of 84% during the presale.

For investors who prefer to back infrastructure projects in crypto, BEST offers exposure to the booming crypto wallet sector, a  nearly $13-billion market that’s showing no signs of slowing.

Conclusion

Mutuum Finance’s MUTM token presale offers investors the chance to support a new DeFi lending project that’s in its early stages. This guide has outlined how to buy Mutuum Finance tokens during its ongoing presale using Best Wallet.

Ultimately, whether Mutuum Finance is a good investment for you will depend on your risk tolerance and confidence in the team’s execution. Like with all crypto ventures, investing in Mutuum Finance also comes with uncertainty and risk. This is precisely why diversification among a few high-quality projects can be a good strategy.

Keeping this in mind, we’ve highlighted promising projects like  Best Wallet Token,  Bitcoin Hyper, and  Maxi Doge as compelling alternatives.

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