Mutuum Finance (MUTM) isn’t just attracting retail buyers. Whales are entering with size, and it’s easy to see why. This is a DeFi platform that doesn’t chase trends—it builds real utility. The protocol is being built to enable decentralized lending and borrowing through two models: a P2C system for passive lenders using blue-chip assets and a P2P model for custom agreements with meme coin exposure. Real yield from blue chips and meme tokens The pool-to-contract (P2C) lending engine will allow investors to deploy stablecoins and major assets like Ethereum (ETH), Solana (SOL), Chainlink (LINK), or Cardano (ADA) into automated lending pools. For example, an investor who allocates $5,000 worth of SOL into a pool earning 10% APY will generate $500 annually, and the platform will return mtSOL in return in 1:1. These mtTokens will continuously appreciate in value with interest and can later be staked for additional rewards through Mutuum Finance (MUTM)’s dividend contracts. The peer-to-peer (P2P) model will be tailored for more customized borrowing activity. In one scenario, a user will borrow USDT by providing $15,000 worth of PEPE as collateral, while the lender sets a 14% APR on the agreement. The loan terms will be chosen entirely by the users involved, with no middleman, no third-party custody, and complete control over the repayment period. Unlike traditional systems, Mutuum Finance (MUTM) will impose no expiration on loans—borrowers will be able to repay whenever they choose unless liquidation thresholds are triggered. Every transaction will be secured and enforced through smart contracts that will operate autonomously on-chain. Stablecoin infrastructure, Layer 2 expansion, and smart yield Mutuum Finance (MUTM) will introduce a decentralized, protocol-native stablecoin that aims to stay pegged to $1. This stablecoin will only be minted when users borrow against overcollateralized assets like ETH, and it will be automatically burned when the loan is repaid or liquidated. Minting will be restricted to approved issuers operating under fixed caps to control risk. The borrowing interest rate will be dynamically governed by Mutuum Finance (MUTM)’s on-chain governance, helping maintain the peg. Arbitrage mechanisms will also play a role in keeping the price anchored near $1 at all times. The platform’s mtTokens—such as mtETH, mtUSDT, or mtSOL—can be staked in Mutuum Finance (MUTM)’s designated smart contracts to earn a share of protocol revenue. These rewards are distributed using a buyback mechanism from the open market, where revenue is used to purchase MUTM tokens and send them to stakers, adding an extra income stream on top of APY. Security is not left behind either. The smart contracts have undergone a full audit from CertiK, scoring 95.00 on the Token Scan and 77.50 on the CertiK Skynet. Additionally, a $50,000 bug bounty is active to further encourage white-hat protections. The roadmap is already aligned with a Beta launch, followed by Layer 2 scaling, which will reduce gas costs and increase transaction speeds, crucial for long-term scalability. To boost engagement, Mutuum Finance (MUTM) is also hosting a $100,000 giveaway , split among ten early community participants. Today’s $0.03 entry is tomorrow’s regret Presale momentum is accelerating, and once Phase 5 closes, the token will jump to $0.035, followed by a confirmed $0.06 exchange listing. Early participants from Phase 1 are already up 200%, and the upside from this point still points to a 2x short-term return, with a 10x upside post-launch expected by analysts watching the space closely. Mutuum Finance (MUTM) is not just another presale—it’s a DeFi solution integrating stablecoin dynamics, yield compounding, and on-chain governance tools. With only 27% of Phase 5 remaining, hesitation will come at a cost. Secure your entry at $0.03 before the next price tier hits. For more information about Mutuum Finance (MUTM), visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post From $0.03 to $0.035, don’t miss the next 20% price increase kicks in appeared first on Invezz
