With the price about to jump 20% to $0.035, attention is now shifting to what could be the most undervalued token in the space right now.

Unlike traditional staking products built around hype and exposure, Mutuum Finance (MUTM) is being built to offer an actual utility-first model for generating passive income, driven by its DeFi-native lending system and smart-yield token architecture.

With a fully decentralized, non-custodial protocol on the verge of going live, many early adopters are preparing to earn yield by lending or staking crypto assets while maintaining full control over their wallets and exposure.

And with a projected listing price of $0.06, early investors entering now at $0.03 are already looking at a 2x gain on launch, with some analysts calling for far more.

The REX-Osprey Solana (SOL) + Staking ETF (SSK) recorded $67 million in trading volume by July 10, 2025, a significant milestone post-launch.

With 50% of its assets staked, the ETF offers a 7.3% yield, attracting institutional and retail investors. Solana (SOL)’s network supports this surge, with $8.61B in DeFi TVL and 15.39M daily active addresses. SOL’s price rose 2.37% weekly to ~$150.76, with technicals eyeing a $165 breakout, bolstered by whale accumulation and CME futures hitting $4B.

The ETF’s volume surge fuels optimism for Layer-1 tokens, potentially lifting SUI and APT in crypto markets. In stocks, blockchain firms may gain, though U.S.-BRICS trade tensions could spark volatility. In forex, a stronger dollar may cap SOL’s gains, but ETF-driven demand and Solana (SOL)’s scalability could sustain bullish momentum, reinforcing its DeFi leadership.

What makes Mutuum Finance (MUTM) stand out isn’t just its price point or tokenomics—it’s the way it approaches real-world use cases. Once the beta platform is live, users will be able to earn directly by lending through either of the protocol’s two core models: Peer-to-Contract (P2C) or Peer-to-Peer (P2P).

In the P2C (Peer-to-Contract) structure, an investor might deposit $25,000 worth of BNB into a smart lending pool. For example, if the current variable lending rate for BNB in the pool is 18% APY, the lender would earn $4,500 in passive income over 12 months, ending the year with a total of $29,500 if the interest is compounded annually and no withdrawals occur. Because the interest rate automatically adjusts based on borrower demand and pool utilization, higher borrowing activity can push the APY even higher, potentially reaching 22% or more. 

For those seeking full control over lending agreements, the P2P model offers unmatched flexibility. In one example, a lender puts up $3,500 in DAI, while the borrower secures the loan using Shiba Inu (SHIB) tokens at 50% LTV, paying 12.5% APR for a customized term. All contracts are governed on-chain, with no third-party intervention, giving both sides maximum transparency and control.

These interactions also trigger the minting of mtTokens, such as mtBNB or mtDAI, which represent both the user’s deposited capital and the yield it accrues. Once staking pools go live post-launch, mtTokens will become doubly powerful, earning not just interest from lending activity but also passive rewards from protocol revenue.

All this activity will be accelerated and scaled through Layer-2 integration, dramatically reducing gas costs and making real-time lending viable even for smaller depositors. This kind of infrastructure is designed for the long game, and that’s where the real value builds.

While mainstream interest flocks to legacy names like Solana (SOL), savvy investors know the next major wave of growth is in smart, underexposed DeFi platforms. Wes Lin, the analyst who correctly projected Solana (SOL)’s ETF-driven rise in 2021, has now set his sights on Mutuum Finance (MUTM)—forecasting a 5X surge to $0.15 by Q4 2025, with strong conviction based on demand trends and project fundamentals.

And the fundamentals are indeed solid. Mutuum Finance (MUTM) has passed a comprehensive CertiK audit, scoring 95.00 on Token Scan and 77.50 on CertiK’s Skynet monitoring. These high marks speak directly to the integrity of the protocol’s core architecture. Add to that the $100,000 giveaway, where 10 early users will each receive $10,000 worth of MUTM tokens, and it’s easy to see why both retail and whale wallets are now stacking MUTM during its final discounted phase.

The platform’s beta will launch before token generation, supporting mtToken issuance, lending mechanics, and staking features. It’s a full ecosystem rollout—planned and timed with precision.

With only 27% of Phase 5 tokens left, the $0.03 entry point won’t last long. The next step is a 20% price jump to $0.035, and then a 2x gain at listing, with more room to run from there.

For those who missed Solana (SOL)’s early moves, this is the chance to get ahead of the next one.

Mutuum Finance (MUTM) isn’t just another token in a crowded market—it’s the one building real value, powered by real code, and trusted by thousands who are getting in before it hits the mainstream spotlight.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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