As part of the Gigagas roadmap, Polygon will bring instant finality, fast transactions, and promote institutional adoption for payments and real-world assets. The goal is to make Polygon the universal layer for global payments and real-world assets without intermediaries.
Polygon plans to release the first milestone of this roadmap in early July, which will bring the Polygon TPS speed to 1000, with a 5-second finality. The first milestone was the token upgrade to POL. That will bring new technology into the ecosystem, making Polygon a part of everyday transactions and trillions worth of assets.
Amid these scaling upgrades, Mutuum Finance (MUTM) is emerging as a powerhouse in the DeFi sector. It aims to achieve massive scale and become the go-to protocol for DeFi participants. So far, the project has caused massive excitement amongst investors, raising over $10.7 million in its ongoing presale.
How the Mutuum Finance (MUTM) Protocol Works
Mutuum Finance (MUTM) is designed as a decentralized, non-custodial lending protocol where users can participate as lenders, borrowers, or liquidators. When they join as lenders, they deposit assets in a pool and start to earn interest. The interest payments are based on the pool utilization rate.
When many borrowers join a pool, it raises the utilization rate, and the interest rate goes up. That encourages borrowers to pay back loans, while also attracting more lenders due to the higher yields. Over time, this system achieves balance and optimal capital efficiency.
Protocol Safeguards
The protocol has in place various protections to protect liquidity in the pools. One of these is an overcollateralization requirement for all borrowers’ collateral. The level of overcollateralization is based on several factors. Key among them is the innate qualities of a given asset.
For instance, if an asset used as collateral has a high level of volatility and low liquidity, the overcollateralization can be quite high. Meanwhile, lower volatility assets like stablecoins and ETH can get better terms.
Another safety mechanism built into the protocol is the reserve factor. The funds in the reserve factor are used to ensure the protocol remains safe even during times of high volatility. This reserve factor is taken from a portion of the interest payments that borrowers make. More volatile assets get a high reserve factor of up to 35%, while more stable assets like ETH get a low reserve factor of around 10%.
To further limit exposure to market instability, the protocol will carefully vet all new assets. This vetting will include checking tokens for centralization and for vulnerabilities in their code. For instance, a poorly designed crypto asset could be used for an infinite mining exploit, which could put the entire ecosystem into insolvency.
The team also plans to create a bug bounty program. This program will allow ethical hackers, security analysts, and blockchain developers to examine the code for any vulnerabilities. They will also have an internal team that will constantly check and update the code to keep all users safe.
The MUTM Token Presale
The Mutuum Finance (MUTM) presale has been a massive success so far, raising over $10.7 million from around 12,100 unique buyers. Currently in phase 5, tokens are going for $0.03, a 200% increase from the phase 1 price of $0.01. In the upcoming phase 6, the token price will go up by 16.67% to $0.035.
So far, over 38% of the tokens set aside for phase 5 have already been sold, barely two weeks after they launched. This fast pace is partly due to the analysts’ recently updated forecasts for the token price. According to the analysts, the price of MUTM tokens could rise by 2,445% once the tokens go live.
For investors, that would mean that a $1,700 investment in the presale right now could grow to over $41,500. That is a massive gain that could compensate for any other disappointments you have faced in the crypto market in 2025. However, that only applies if you purchase tokens at the current price of $0.03. If you wait until the listing price of $0.06, your possible return will drop by 50%.
Planned Beta Version Launch
One of the reasons why investors are so upbeat is the planned beta version of the platform on the token listing day. When MUTM tokens go live, the team plans to release a beta version of their platform, which is expected to cause a lot of excitement in the crypto sector, leading to the viral fame of Mutuum Finance (MUTM).
Coupled with the fact that Mutuum Finance (MUTM) is CertiK audited, this is expected to drive up interest in the project. It will act as substantive proof of what the team has been promising to their community, helping to boost trust in the project.
Mutuum Finance (MUTM) is an exciting presale project that could set the crypto world on fire. It is built for long-term utility, which will ensure upward price pressure on MUTM tokens. You can be part of this amazing project by participating in the ongoing presale at the low price of $0.03 per token.
For more information about Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
