2026-01-08 15:29:18

The crypto market is brewing new changes. With favorable policy developments—XRP gaining institutional recognition through ETF approval, and ongoing signals from the CBDC pilot projects—investors are beginning to reassess the balance between risk and reward. Mainstream cryptocurrencies are showing noticeable movements; Dogecoin has rebounded modestly above $0.14, but what truly draws attention are those DeFi projects still in early stages.

Mutuum Finance is one such example. As a platform focused on decentralized lending, the MUTM token is currently in its seventh phase of presale, with the price anchored at $0.04. According to the plan, the eighth phase will push the price up to $0.045. This project has already demonstrated strong interest in fundraising—total funds raised have exceeded $19.68 million, indicating significant market recognition of its lending model and community incentive mechanisms.

Analysts generally expect strong performance after launch, with many predictions targeting a price of $0.50. The logic behind this is clear: the DeFi lending sector has inherent rigid demand, and early participants often stand to gain substantial returns when liquidity is released. Of course, the risks of such projects are also evident—concepts need time for validation through implementation, and the success of community ecosystem development is equally critical. For investors, the key is to assess the ratio between presale price and potential returns based on a thorough understanding of risks.

XRP4,11%

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MrRightClick

· 01-10 19:11

0.04 to 0.50? That's a pretty outrageous multiple, who would believe it? Buying at 0.04 and waiting for it to go live feels like gambling... Recently, the DeFi hype has been quite abnormal, with early projects testing the waters on rug pulls. MUTM has raised over 20 million? That's impressive, but there's also a significant chance of a dump upon listing. I usually stay far away from tokens during the pre-sale phase; I'll wait until the mainnet is stable.

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GasGasGasBro

· 01-08 15:59

1. Both DeFi and lending—I've seen this routine too many times. Most of the time, they end up as worthless tokens. 2. From 0.04 to 0.5—sounds simple, but when it hits the exchange, it’s likely to be a dump. 3. 19.68 million in funding sounds like a lot, but dare to ask—whose pocket did this money go into? 4. Early participants have big profit margins, no doubt, but the timing of the pump-and-dump was just right. 5. XRP approval is finally approved—this market is indeed changing, but MUTM still needs to be questioned. 6. Listening to the narrative about DeFi lending being a necessity, it feels like just another story. 7. Analysts predicting $0.5—dare they show their own holdings? 8. The key to community ecosystem implementation? Look at how many projects have failed at this step. 9. The rebound of Dogecoin to 0.14 is actually more reliable than these new projects. 10. The eighth phase rising to $0.045—do they really think we’re all just bagholders?

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SchrodingerAirdrop

· 01-08 15:59

Pre-sale stage reaching 0.5? Forget it, let's see if it can survive until launch first.

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SchrodingerWallet

· 01-08 15:59

Both pre-sales and financing, the套路 runs deep --- 0.04 to 0.5? Dreaming is never this outrageous --- Early projects are all about gambling, if you guess right, you take off; if you guess wrong, you go to zero --- DeFi lending sounds good, but I'm just worried it might be the next爆雷 --- $19.68 million in funding is so hot, but it feels a bit悬 --- Early birds are sometimes just接盘侠, everyone take it easy --- Preaching about predictions has happened many times; can we avoid a翻车 this time? --- More funding ≠ reliable project; it still depends on whether it can truly落地 --- Pre-sale price梯度推升, who doesn't know this套路? --- Let's wait until it's officially上线; it's too早 to say anything now

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SchrodingerWallet

· 01-08 15:32

Buy from 0.04 to 0.50? Let's not talk about whether this prediction is reliable or not, the key is whether it will be a mess after going live. DeFi lending indeed has demand, but now these projects are all similar—fast fundraising, slow implementation, and quick exit scams. Early entry can be profitable, but my painful lessons tell me... these types of projects are extremely risky. The promised community ecosystem often ends up being just a tool for pulling the wool over investors' eyes; I've seen too many. With a fundraising amount of 19.68 million USD, it looks substantial, but when distributed among so many participants, can it really be dumped? Instead of focusing on this gambler's game, I’d rather hold mainstream coins steadily; my mindset is much better.

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