XLM slows, but this DeFi token is gaining faster traction with just 15% supply left

Stellar (XLM) slowed its meteoric rise, trading at $0.5173 as of July 18, 2025, after an 85% weekly surge from $0.30 to $0.50, per CoinMarketCap.

The rally, driven by PayPal’s July 11 announcement to launch PYUSD on Stellar (XLM)’s blockchain, has hit resistance at $0.50-$0.52, with RSI dropping to 64 from an overbought 70, signaling a cooldown.

The Stellar (XLM) Core v23.0.0rc2 upgrade, enabling smart contracts, and $3 million in ecosystem funding fueled earlier gains, but shrinking MACD momentum hints at consolidation, per TheMarketPeriodical.

Analysts project a potential climb to $0.75-$1 by Q4 2025 if adoption grows, with partnerships like MoneyGram boosting utility.

However, a 48% drop in on-chain volume and regulatory scrutiny over stablecoin integrations raise concerns, with support at $0.40-$0.35 if selling intensifies.

Mutuum Finance (MUTM)

While Stellar (XLM) has been busy rolling out network upgrades to boost its performance, its price action remains frustratingly flat, leaving investors searching for more dynamic

opportunities. Meanwhile, a rising DeFi star—Mutuum Finance (MUTM)—is quietly generating real excitement across crypto communities.

Unlike many projects caught in hype without substance, Mutuum Finance (MUTM) is drawing attention for its practical, real-world lending and borrowing tools that promise both innovation and utility.

Forums and social channels are abuzz with discussions about MUTM, signaling a growing wave of investor interest ready to propel it into the spotlight.

Mutuum Finance (MUTM) is currently in the heat of its presale, having successfully raised $12.70 million during Phase 5.

With 85% of its total 4 billion token supply snapped up at the $0.03 price point by more than 13,750 holders, only 15% of discounted tokens remain available.

This dwindling availability creates a strong sense of urgency.

The upcoming Phase 6 will increase the token price by 20% to $0.035, marking the final chance for buyers to lock in at a bargain before prices rise.

This limited window reflects the growing demand and positions

Mutuum Finance (MUTM) to transition into its next growth stage.

At its core, Mutuum Finance (MUTM) is building a Layer 2 decentralized finance protocol that combines the stability of a decentralized stablecoin with the yield potential of interest-bearing mtTokens.

The upcoming stablecoin will be minted exclusively when users borrow against overcollateralized assets like Ethereum (ETH), ensuring that every loan is fully backed by more value than it issues.

When loans are repaid or liquidated, the stablecoins are automatically burned, maintaining a tight and controlled supply.

The $1 peg is supported through governance-managed interest rates—adjusted strategically to influence borrowing activity—and on-chain arbitrage opportunities that help stabilize the price without relying on centralized reserves.

Complementing this, the mtToken framework will enable lenders to earn automatic, compounding rewards.

Once live, users who deposit into Mutuum Finance (MUTM)’s liquidity pools will receive ERC-20 mtTokens representing their share of the pool.

These tokens will not only track accrued interest but will also be stakeable in smart contracts linked to the protocol’s revenue system.

A portion of Mutuum Finance (MUTM)’s revenue will be used to buy back MUTM tokens from the open market, which are then distributed as rewards to mtToken stakers.

This creates a powerful cycle of passive income, liquidity incentives, and token demand, aligning long-term value for both the protocol and its community.

## Why investors are taking notice now

As Stellar (XLM)’s price stagnates despite technical upgrades, Mutuum Finance (MUTM)’s presale momentum is proving that innovation combined with real use cases drives market interest.

The platform’s unique blend of a decentralized stablecoin, real-yield lending, and automated buyback rewards is a fresh take that appeals to both retail and institutional investors seeking security with growth potential.

Security is a cornerstone of Mutuum Finance (MUTM)’s design. The project is undergoing a thorough CertiK audit, scoring an impressive 95.00 on Token Scan and 77.50 on Skynet—reflecting a rigorous manual and static code review.

This high level of scrutiny reassures investors that the protocol prioritizes safety and reliability.

Furthermore, the $50,000 USDT Bug Bounty program will motivate white-hat hackers and security researchers to find and report vulnerabilities across four severity tiers before launch.

This proactive security approach ensures that the platform will be well-prepared for a smooth and secure rollout.

Adding to the excitement is the ongoing $100,000 giveaway, where ten lucky participants will each receive $10,000 worth of MUTM tokens.

This giveaway not only spreads awareness but also builds a committed community ready to support the project as it moves toward its beta launch and full deployment.

With only 15% of the discounted supply left at the $0.03 price, the time to act is now. Consider this: an investor entering Mutuum Finance (MUTM) today with $3,000 would receive 100,000 tokens at the current Phase 5 price of $0.03.

Once Phase 6 begins and pricing increases to $0.035, that same number of tokens would cost $3,500—a 16.6% higher entry price for latecomers.

But that’s just the short-term. When MUTM lists at $0.06, the original $3,000 investment would be worth $6,000—a 2x return even before trading begins.

And with analysts projecting a price of $50 by mid-2026, those same 100,000 tokens could be worth a staggering $5 million, representing a potential 1,666x return.

Mutuum Finance (MUTM) is shaping up to be one of the most compelling opportunities in DeFi today.

Its layered design, combining a decentralized stablecoin, interest-bearing tokens, and strong governance mechanisms, is not just theoretical—it is already drawing serious investor interest.

As Stellar (XLM)’s XLM struggles to move beyond sideways price action,

MUTM is quietly capturing the attention of those looking for the next breakout token.

The final discounted tokens won’t last long.

Mutuum Finance (MUTM)’s presale is entering its critical phase, and with rising prices imminent, this is the moment for investors to secure a foothold before the market fully recognizes the project’s potential.

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

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