As crypto markets shift toward real utility and sustainable income, Mutuum Finance (MUTM) has quietly emerged as one of the most overlooked tokens of Summer 2025. With over $11.3 million raised, 12,600+ holders onboarded, and the price still fixed at $0.03 in Phase 5—already 50% sold out—this presale presents one of the most compelling DeFi opportunities under $0.05 today. Unlike meme-driven tokens or passive assets, MUTM is positioned to serve real lending demand through a dual model of P2C (peer-to-contract) and P2P (peer-to-peer) protocols. Retail attention is already moving. While tokens like DOGE, SHIBA, and even XRP continue to stagnate in speculative cycles, wallets in the $500 to $2,000 range are increasingly being directed into MUTM. These investors are no longer chasing hype—they’re targeting passive income and transparent value and that’s exactly where Mutuum Finance (MUTM) delivers. Dual lending engine: a real use case with flexible earning potential Mutuum Finance (MUTM) is one of the few upcoming protocols offering both P2C and P2P lending under one framework. The P2C model will allow users to deposit stable assets like USDT, ETH, or LINK into non-custodial smart contracts. These deposits will generate yield automatically through a dynamic interest system tied to pool utilization. Users receive mtTokens—interest-bearing representations of their deposits—that will grow in value without requiring active compounding or claim actions. For example, lending $8,000 in USDC through Mutuum’s P2C system will return mtUSDC, which grows automatically over time. At an estimated 18% APY (depending on the pool utilization), that single deposit could generate $1,440 per year in passive income. Additionally, those mtTokens can be staked in specific contracts to earn MUTM token rewards, as the protocol shares revenue during future buyback and redistribution cycles. On the P2P side, Mutuum Finance (MUTM) will support direct lending of riskier assets like PEPE or DOGE. This model empowers users to customize interest rates and durations, giving flexibility and offering higher returns in exchange for greater risk. The separation of P2P and P2C structures is designed to protect core liquidity while still unlocking opportunities for high-yield strategies. Borrowers will also gain a major advantage. Someone holding $1,000 in ETH will be able to use it as collateral and borrow up to $750 (depending on LTV ratio) —without selling. This protects upside exposure to ETH while freeing up liquidity to use elsewhere. With no fixed repayment timeline, the position stays open as long as the collateral remains sufficient. This combination of asset preservation and flexible liquidity use is exactly the kind of functionality that meme coins and static tokens can’t offer. Security-first DeFi with a stablecoin vision Security is already being prioritized on the development roadmap. Mutuum Finance (MUTM) has completed a full audit with CertiK, achieving a Token Scan Score of 95.00 and a Skynet Score of 77. Beyond audits, the team has launched an active $50,000 Bug Bounty Program in collaboration with CertiK. This includes four severity levels—critical, major, minor, and low—ensuring that every vulnerability is addressed. At a time when DeFi exploits continue to shake investor confidence, this kind of commitment to security adds real trust. Looking ahead, the team is preparing to launch a protocol-backed decentralized stablecoin. This coin will be minted only when users borrow against approved collateral like ETH and burned upon repayment or liquidation. It will be backed by overcollateralized loans and governed to maintain a $1 peg, not by demand swings but by protocol-controlled interest adjustments. This innovation will strengthen treasury dynamics and give Mutuum a native stable asset that keeps liquidity flowing across the platform. All of this is being built for launch alongside the token’s listing. The beta app is expected to go live when MUTM hits exchanges, meaning this is not a speculative concept—it’s an early-stage entry into a functional protocol. And for investors aiming to front-run adoption, the math is hard to ignore. A $6,000 investment at $0.03 gives 200,000 tokens. At a 25x return, that portfolio becomes $150,000. Retail holders are already making the shift, and as Phase 5 edges toward a close, the next price increase is drawing closer. For anyone looking to combine passive income, a secure DeFi foundation, and a stable launch plan—Mutuum Finance (MUTM) stands out as the most undervalued DeFi token of this summer. Those entering now won’t just own a token—they’ll own a piece of the protocol’s core lending ecosystem. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Undervalued DeFi project of Summer 2025: why this $0.03 token deserves attention appeared first on Invezz
