Memecoins still have their moments. When the market is hot, they can move fast, trend hard, and dominate timelines for weeks at a time. The problem is that long-term investors usually don’t build serious positions on momentum alone. They look for something that can still matter after the hype cycle cools off—something with a product, a reason to exist, and a model that can keep users coming back.
Utility At Launch
Another reason MUTM is being watched for the long term is timing. The roadmap indicates the lending and borrowing platform is planned to go live at the same time as the token. Launching with a working product gives the token immediate usefulness rather than asking the market to wait for utility later.
That launch structure matters in a practical way: it can support demand from users who actually want to use the protocol, not only traders who want to flip the token. When a token has a use case from day one, it’s easier for the project to build a base of repeat activity, which is typically what long-term investors prefer.
This also ties into visibility. Utility-driven tokens that launch with real functionality often attract broader attention over time, including increased exchange exposure as liquidity and demand build. Wider access can expand the buyer base and strengthen price discovery when sentiment turns positive.
Presale Timing Still Favors Early Positioning
MUTM is currently in phase 7 of its presale at $0.04, with a confirmed $0.06 launch price. The token is still available below launch level while the presale remains open.
Mutuum’s presale has moved well past the earliest stage. Funding is now near $20 million and the community has grown beyond 18,850 holders. On supply, the presale allocation is 1.82 billion tokens out of a 4 billion total supply, and roughly 830 million of that presale allocation has already been taken.
The pricing path has been step-based from the start. MUTM opened at $0.01 and has advanced to $0.04, meaning the entry price has already increased several times before listing. The next price step is $0.045, so buying at $0.04 happens before the next scheduled increase and while the token remains below the $0.06 confirmed launch price.
For long-term investors, that matters because the entry price is still early relative to the confirmed launch price, and distribution is still underway.
Active Development And Security Signals
Long-term holders usually pay attention to whether a project is building consistently. Mutuum has continued to push updates tied to release readiness.
The team has confirmed that the Halborn Security audit is completed for the V1 lending and borrowing protocol. The project has also stated that V1 is preparing to launch soon on the Sepolia testnet, where users can test core features before broader deployment. On the token side, an earlier checkpoint was completed through a CertiK audit, with a token scan score of 90/100.
The Bigger Difference
Memecoins can rally in weeks, but they often don’t have a development runway that supports multi-year conviction. Mutuum’s roadmap includes plans that extend beyond the initial lending markets.
One of the key items is an overcollateralized stablecoin. In simple terms, it’s designed to let users mint a dollar-pegged asset by locking collateral above a required ratio. When the stablecoin is repaid, it is burned, reducing supply. Interest from stablecoin borrowing is planned to flow into the protocol’s treasury, strengthening reserves and expanding the protocol’s revenue base.
The roadmap also includes Layer 2 optimization and multichain expansion, aimed at reducing user friction and broadening access across networks as the protocol scales. That matters because cheaper transactions and wider availability tend to support higher usage over time.
Mutuum Finance (MUTM) is priced at $0.04 in presale phase 7, still below its confirmed $0.06 launch price, and it’s being built as a lending-and-borrowing protocol designed to generate activity-driven demand. With passive-income mechanics through lending, a buy-and-distribute model tied to mtToken staking, and a roadmap that includes a stablecoin, Layer 2 cost work, and multichain expansion, MUTM is increasingly being watched as a longer-term utility play.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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