Priced at just $0.03 in Phase 5 of its presale, over 73% of the allocation is already gone, with more than $12.2 million raised.

A 20% increase to $0.035 is set to take effect in the next stage, meaning this current window is closing fast.

With ETH fees still climbing, the market is seeking alternatives that provide real scalability without compromising on returns.

Mutuum Finance (MUTM) is emerging as the go-to Layer-2 protocol tailored for next-generation lending, giving both passive investors and high-volume lenders tools to generate income in a frictionless DeFi environment.

Ethereum (ETH) soared to $3,024.90 on July 11, 2025, a 17.99% weekly surge, marking a new 2025 high. This rally was fueled by $383.1M in spot ETF inflows, with BlackRock’s ETHA hitting a record 2M ETH held.

The Pectra upgrade, enhancing Layer-2 scalability, and SharpLink Gaming’s 10,000 ETH treasury buy drove momentum. A bull flag breakout and $37.26B in daily trading volume signal strong bullish sentiment, with technical targeting $3,300–$5,000 by Q4.

ETH’s surge boosts altcoin momentum, potentially lifting LINK, AAVE, and SOL in crypto markets. In stocks, blockchain firms like Coinbase may gain, though US-BRICS trade tensions could spark volatility.

In forex, a softening dollar supports ETH’s rise, but RSI at 72.74 warns of a potential pullback to $2,850. Continued ETF inflows and DeFi growth could push ETH toward $4,000, solidifying its market dominance.

Mutuum Finance (MUTM) will introduce a split lending design to serve both passive income seekers and sophisticated lenders.

Its peer-to-contract (P2C) model will allow users to deposit high-demand assets like USDT, DAI, USDC, USDC, LINK, BNB, and ADA directly into automated lending pools.

These pools will deploy the funds to approved borrowers at interest rates that will adjust with utilization, ensuring liquidity providers will earn continuously while the protocol manages risk.

In parallel, the peer-to-peer (P2P) model will let users create fully customized loan agreements using meme coins and niche tokens like Shiba Inu (SHIB), Dogecoin (DOGE), and Pepe (PEPE).

This approach caters to investors seeking flexibility beyond traditional asset classes.

Lenders and borrowers will directly negotiate the loan terms, interest rates, and LTV ratios, typically ranging between 40% and 70%.

Every P2P contract will be secured by smart contract automation and non-custodial infrastructure, ensuring trustless execution without centralized control.

What will further separate Mutuum Finance (MUTM) will be its Layer-2 foundation, specifically designed to overcome Ethereum (ETH)’s high transaction costs.

Through this architecture, Mutuum Finance (MUTM) will enable low-cost, fast-settlement lending operations across both models, opening doors to retail users who have previously been priced out of DeFi.

The team’s roadmap confirms that the beta launch will go live at the same time as listing, giving new users immediate access to platform features as they claim their tokens.

To supercharge early adoption, Mutuum Finance (MUTM) is running a $100,000 giveaway spread across its early contributors, bringing more attention to a fast-growing community that already includes over 13,200 holders and a Twitter/X following of 12,000+.

The protocol’s technical integrity is also verified, with a 95.00 CertiK audit score and a 77.5 Skynet score, further supported by a $50,000 bug bounty to catch edge-case risks before full launch.

Central to the Mutuum Finance (MUTM) ecosystem is its upcoming decentralized stablecoin — a pivotal feature that will deepen utility and strengthen protocol earnings.

This stable asset will only be minted when borrowers lock overcollateralized crypto like ETH as collateral, and it will be automatically burned when loans are repaid or liquidated.

This ensures supply stays tightly aligned with demand, enforcing scarcity and maintaining its $1 peg.

Unlike unstable algorithmic designs, Mutuum Finance (MUTM)’s stablecoin will use governance-managed interest rates and arbitrage incentives to hold the peg.

As borrowers interact with the system, minting and repayment events will generate protocol fees, a portion of which will flow back to the ecosystem.

These earnings will be redistributed to users who stake mtTokens, which represent their deposited assets plus accrued interest.

By staking mtTokens, users will unlock dividend rewards directly tied to real protocol activity, creating a multi-layered income structure that compounds over time.

Take for example, the investor who entered Phase 1 of the presale with $5,000 at $0.01 per MUTM. That position now sits at $15,000 with the token priced at $0.03 in Phase 5.

At listing ($0.06), that will reach $30,000, representing a 6x gain, with forecasts showing 10x 15x possible by 2026. The analyst who predicted Dogecoin (DOGE)’s breakout earlier has now placed her sights on MUTM, projecting a $0.25 target by Q2 2026 — an 8x return from listing, and even higher from the current price.

With only 27% of tokens left in Phase 5, and whale wallets now rotating from ETH profits into early-stage DeFi platforms, the signs are clear.

The $0.03 entry won’t be around much longer, and those who delay are likely to pay at a higher tier.

Mutuum Finance (MUTM) is not just another altcoin riding market waves — it is positioned to redefine decentralized lending for both whales and retail in the upcoming Layer-2 DeFi era.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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