Mutuum Finance (MUTM) is currently in its presale phase at just $0.035, with DeFi users drawing clear parallels to the early ETH days—but with a more structured lending design that targets today’s real-world DeFi problems.

Mutuum Finance (MUTM) isn’t trying to reinvent DeFi; it’s optimizing it.

By building to launch a pooled lending system powered by mtTokens, a stablecoin designed for long-term peg integrity, and a protocol-level rewards engine through buybacks, the project is stacking multiple value drivers behind a single token.

That’s the kind of ecosystem Ethereum (ETH) inspired, but one that Mutuum Finance (MUTM) aims to make even more investor-friendly.

At the heart of Mutuum Finance (MUTM) is the mtToken model—ERC-20 assets that represent deposits into decentralized lending pools.

These tokens grow in value automatically as interest accrues, creating passive yield for lenders while maintaining complete custody and flexibility.

By linking these tokens to overcollateralized loans, the platform creates sustainable lending environments without relying on centralized pricing or liquidity decisions.

Every time interest is collected from borrowers, the protocol captures value and sets aside a portion of it to buy back MUTM tokens from the open market.

These bought-back tokens are redistributed to users staking mtTokens in Mutuum Finance (MUTM)’s smart contracts, forming a closed-loop system where protocol revenue directly supports token demand.

This creates upward pressure on price while encouraging long-term token holding behavior.

Additionally, Mutuum Finance (MUTM) is preparing to launch its own decentralized stablecoin—a key feature that will only be minted when new loans are issued and burned once they’re repaid.

That strict control of supply will reduce inflation risks and reinforce long-term peg maintenance. Because of this, users will begin to rely on Mutuum Finance (MUTM) not only for lending but for a stable unit of value within the ecosystem.

This automatically increases the utility of the protocol and heightens the demand for MUTM tokens, especially among borrowers seeking access to the stablecoin.

Smart investors are already taking action. A DeFi user who swapped $1,200 worth of BNB during Phase 1 acquired 120,000 MUTM at $0.01.

With the presale now in Phase 6 at $0.035, their holdings are worth 3.5x more—and with a listing price of $0.06, that return will soon reach 6x.

As projections for post-launch performance grow increasingly bullish, expectations of $0.30 to $0.40 are being circulated by early supporters. That would put this same investor at a 25x to 30x return, all before traditional exchanges even go live.

Momentum is building fast. The presale has already attracted over 14,600 holders, and $13.65 million has been raised to date. Just 7% of the 170 million supply has been sold, while the next presale jump to $0.040 is around the corner.

The CertiK audit is complete with a Token Score of 95.00 and Skynet rating of 78.00, ensuring transparency and code-level reliability.

With a $100K giveaway and an ongoing $50K bug bounty in partnership with CertiK, the team is drawing attention from security-savvy DeFi participants as well.

What happens next will define Mutuum Finance (MUTM)’s breakout moment. The Layer-2 integration and beta launch are on track to go live at token generation, cutting gas costs and increasing scalability across the entire lending platform.

This transition will be key for onboarding new users and ensuring the protocol can meet growing demand without sacrificing user experience.

The dual lending architecture only adds to its appeal. In the P2C (peer-to-contract) model, users will be able to lend ETH or stablecoins at certain LTV ratios, with automated interest rates adjusting based on pool utilization.

A lender might deploy ETH at a 65% loan-to-value ratio and earn 4.8% APY with zero manual intervention. Meanwhile, the P2P (peer-to-peer) side enables direct term negotiation.

Mutuum Finance (MUTM) is laying down a foundation of utility and revenue alignment—hallmarks of every top-tier crypto project. As DeFi matures and users seek safer, more scalable solutions, this $0.035 token is capturing attention as the next major chapter.

While Ethereum (ETH) sparked the revolution, Mutuum Finance (MUTM) is refining it.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post DeFi users rush to MUTM — a $0.035 token dubbed the next ETH appeared first on Invezz

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