Stellar (XLM) faltered, dropping 7% this week to $0.43, after a brief 6% surge tied to PayPal’s PYUSD stablecoin integration announcement. The decline follows a failure to break $0.50 resistance, with trading volume falling 49.4% to $1.7B daily, signaling reduced market activity. Technicals show a bearish crossover below the 50-day SMA, with RSI at 58 indicating waning momentum. Despite the Soroban smart contract mainnet launch, enabling DeFi and NFT use cases, investor enthusiasm cooled amid profit-taking and ongoing trade tensions.

XLM’s stumble may dampen sentiment for cross-border payment tokens like XRP (-2%) and ALGO, as capital shifts to Layer-1s like SOL. Meme coins like SHIB remain unaffected, but DeFi tokens tied to Stellar (XLM)’s ecosystem could face pressure. A break above $0.48 could revive XLM’s rally, but persistent trade fears may cap altcoin gains.

Mutuum Finance (MUTM)

As Stellar (XLM) continues to lose momentum, on-chain data is showing a visible decline in whale engagement and ecosystem activity. With fewer incentives for long-term holders and a lack of compelling token utility, XLM is starting to fall out of favor—especially among larger crypto investors. At the same time, a new name is drawing heavy inflows: Mutuum Finance (MUTM), an upcoming decentralized lending protocol built for real DeFi use cases. The market is clearly shifting focus, and whale wallets are already positioning themselves early before the next breakout move.

Built on a dual-model design, the protocol will offer both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending—letting users choose between passive income through liquidity pools or fully customized lending arrangements.

Here’s what that will look like in action: a user may deposit 100 SOL (≈$18,000) into a P2C pool with 70% utilization. With projected yields hitting 16.2% APY, the user could earn around 10.62 SOL annually, with returns increasing as demand grows. This model rewards users directly based on platform usage—a stark contrast to many hype-driven projects that deliver static returns or vague promises.

Borrowers will also benefit from flexible, decentralized access to liquidity. A user who pledges $12,000 in AVAX as collateral could unlock a $7,200 DAI loan at a 60% Loan-to-Value (LTV) ratio—without selling their tokens. Loans will have no fixed maturity date; as long as the collateral maintains a safe LTV, users can repay anytime and reclaim their assets. This system puts financial control back in the hands of users—exactly what DeFi was meant to do.

Token presale nears phase transition

While these mechanics are already creating buzz, the biggest surge in attention has come from the MUTM token presale, currently in Phase 5 at just $0.03 per token. So far, over $12.5 million has been raised, with more than 13,500 holders and 78% of this round sold out. Once the current phase is fully allocated, the price will automatically increase by 20% to $0.035 in Phase 6. For anyone eyeing this opportunity, the current discount window is closing fast.

Mutuum Finance (MUTM) also sets itself apart with its welcoming approach to meme coin holders and unconventional tokens through its upcoming P2P lending engine. Imagine a user posting $3,500 worth of DOGE as collateral and setting up a loan deal to borrow $2,000 in USDT on terms they choose. This flexibility attracts entire communities that are usually ignored by traditional DeFi platforms, turning speculative tokens into productive assets.

Security remains a cornerstone of the platform. A full audit conducted by CertiK includes a Token Scan score of 95.00 and a Skynet score of 77.50, backed by both manual review and static analysis. Beyond the audit, the team has launched a $50,000 Bug Bounty Program to ensure any vulnerability—regardless of size—is patched before mainnet goes live. Meanwhile, a $100,000 giveaway will reward 10 winners with $10,000 worth of MUTM tokens, bringing even more excitement to early community supporters.

Multi-layered revenue + early ROI attracts smart capital

Perhaps the most compelling feature is the mtToken system, which gives depositors a tradable, interest-accruing token in return for lending to the protocol. These mtTokens can later be staked to receive dividends, funded by actual protocol usage—not inflation or emissions. This real-yield structure has caught the attention of large capital allocators seeking revenue-backed returns.

One early investor bought $3,000 during Phase 2 to enter at $0.015, acquiring 200,000 tokens and securing a strong position before the broader market caught on. As the presale price has advanced to $0.03, that portfolio has already doubled to $6,000, delivering a 100% return before public trading begins. With the token set to list at $0.06, the same holdings are positioned for a 4x return, reaching a projected $12,000 in value. And the forecast doesn’t stop there. Analysts closely tracking Mutuum Finance (MUTM) believe the token could make a 10× move from its listing price—potentially rising to $0.60—as expanded protocol adoption, Layer-2 integration, and decentralized stablecoin infrastructure roll out in later roadmap phases.

The next surge in value is approaching fast, and investors entering before Phase 6 will have access to the last discounted tokens at $0.03. The shift away from fading legacy coins like Stellar (XLM) is already underway. Smart money is moving to tokens with real yield, real traction, and real use cases—and Mutuum Finance (MUTM) is checking all the boxes heading into 2025.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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