For most retail investors, buying into Bitcoin (BTC) at over $108,000 isn’t practical anymore.

The upside might still be there, but getting meaningful returns requires capital that’s out of reach for the average trader.

That’s why attention is rapidly shifting toward early-stage tokens like Mutuum Finance (MUTM), currently priced at just $0.03.

It’s a strategic entry point for those looking to turn modest capital into something far more significant—just as early Bitcoin (BTC) and Ethereum investors once did.

Mutuum Finance (MUTM) is now deep into Phase 5 of its presale, having already raised over $11.7 million from more than 12,700 individual wallets.

Over 60% of the tokens allocated for this round have been snapped up.

What makes this project stand out is not just its low entry price, but the layered financial utility built into its ecosystem—especially through its mtTokens.

One trader who moved $3,500 from Bitcoin (BTC) into Mutuum Finance (MUTM) last month now holds over $5,400 in unrealized gains.

That kind of growth, in just weeks, shows why smart capital is now rotating from high-cap legacy coins into more targeted, function-driven DeFi protocols.

Mutuum Finance (MUTM) has engineered a unique mechanism to support long-term investor gains through mtTokens—interest-bearing tokens issued when users deposit assets into the protocol’s peer-to-contract (P2C) lending pools.

These tokens are designed to grow in value automatically as interest accrues.

There’s no need to claim rewards or actively reinvest; the mtTokens themselves reflect both the principal and the interest.

What separates this system from standard yield platforms is the dual-layered benefit. First, users who deposit stable assets like USDT or top-tier coins like ETH or BTC are issued mtTokens on a 1:1 basis.

Over time, these tokens increase in value as lending activity rises. Second, those same mtTokens can be staked in smart contracts to earn a share of the protocol’s revenue, which is used to buy back and distribute MUTM tokens to mtToken stakers.

This creates a powerful flywheel effect. More users enter the system to earn yield. That demand drives up borrowing volume, which boosts protocol revenue.

The system then recycles that income to reward long-term holders, applying buying pressure to MUTM and incentivizing staking.

This structure is what separates utility tokens from hype coins—and why large holders are entering early with confidence.

While many projects launch without foundational utility, Mutuum Finance (MUTM) is developing a decentralized, crypto-backed stablecoin system.

This stablecoin will only be minted when users post approved collateral like ETH, and it will be burned as soon as loans are repaid or liquidated.

Only verified issuers will be able to mint the coin, each with a strict cap to prevent excessive risk.

The protocol will adjust interest rates dynamically to keep the stablecoin close to its $1 peg. If the price rises above $1, rates will drop.

If it falls below, rates will climb. Arbitrage incentives will further reinforce stability, ensuring the asset maintains its target price.

The introduction of this stablecoin will not only enhance user functionality but also support broader treasury utility across the platform.

Mutuum’s approach offers direct benefits to those who understand the value of structured lending and borrowing.

For example, users who deposit $15,000 in DAI will receive mtDAI, which compounds as interest builds over time.

If pool utilization drives the APY to around 10%, that user would earn $1,500 over a year without moving their position.

And since mtTokens can be staked for extra dividends, yield potential multiplies without added complexity.

With over 4 billion MUTM tokens in total supply and a Phase 11 listing price set at $0.06, the upside from today’s $0.03 level is already tangible.

Investors entering now double their position value right at the exchange listing.

And with real protocol usage on the horizon—including a beta platform release alongside token launch—the stage is set for accelerated growth.

Mutuum Finance (MUTM) is not aiming to be just another DeFi token—it’s building a complete infrastructure.

With CertiK audit backing, a $50,000 bug bounty in place, and Layer-2 integration under development, the foundations are in motion to support serious on-chain activity.

When SHIB moved from $0.000001 to $0.00008, most ignored it early. When BNB was $0.10, few thought it was worth the risk.

Now, with Bitcoin (BTC) priced out of reach for most, investors are hunting for the next asymmetric bet. At just $0.03, Mutuum Finance (MUTM) is shaping up to be that bet.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

The post Summer’s top crypto picks: BTC is too expensive, but this $0.03 token might 10x appeared first on Invezz

224 +