Mutuum Finance (MUTM) is more than just a presale buzzword. It is building a decentralized lending protocol with a hybrid infrastructure that aims to fix many of the pain points that exist in traditional and DeFi borrowing.

Instead of offering a rigid, one-size-fits-all experience, the project introduces a two-pronged lending model and offers full borrower flexibility—something DeFi users have been waiting for.

As the world of passive crypto income grows more competitive, Mutuum Finance (MUTM)’s real innovation lies in how it handles capital.

Bitcoin (BTC) spot ETFs in the U.S. recorded a record-breaking $2.72 billion in net inflows over two days, with $1.17B on July 16 and $1.03B on July 17, 2025, marking the strongest two-day run since their January 2024 launch.

BlackRock’s iShares Bitcoin (BTC) Trust (IBIT) led with $445.47M daily inflows, reaching $80B in assets under management, while Fidelity’s FBTC and ARK’s ARKB added $324.34M and $268.7M, respectively. Institutional demand outpaced new BTC issuance by 22:1, with 364K daily transactions and $61.43B in on-chain volume. 

BTC’s price held at $121,209, with technicals targeting $130K. The ETF surge boosts crypto sentiment, potentially lifting ETH (+5%), XRP (+3%), and SOL, as institutional capital flows in.

Meme coins like SHIB may see less interest, but regulatory tailwinds from U.S. crypto-friendly policies could drive altcoin rallies if inflows persist.

At the core of Mutuum Finance (MUTM) is a borrowing engine that offers fully overcollateralized loans, open-ended repayment options, and flexible risk exposure.

Borrowers don’t need to worry about strict due dates or rigid repayment plans. Everything is non-custodial and built around overcollateralization.

This means users can lock in value without having to liquidate their long-term holdings, while still accessing immediate liquidity.

For example, a user deposits 1,000 LINK (valued around $18,000) into the platform. With a loan-to-value (LTV) ratio of 60%, they can borrow $10,800 in USDT instantly, while maintaining full exposure to their LINK position. If LINK appreciates during the loan period, the user benefits from the price gain.

Repayment can happen at any time, and once complete, the collateral is unlocked with no penalties. This kind of freedom, paired with smart risk parameters, sets a new standard in DeFi lending.

Where other platforms separate flexibility and safety, Mutuum Finance (MUTM) brings both together through its dual lending structure. The Peer-to-Contract (P2C) model serves blue-chip assets like ETH, BTC, and DAI, enabling users to deposit and earn variable yields via smart contract pools.

Meanwhile, the Peer-to-Peer (P2P) system targets riskier or niche assets, giving users the power to negotiate interest rates, durations, and collateral terms for tokens like SHIB, DOGE, and PEPE. 

By allowing users to borrow against well-known tokens or negotiate custom loans on lesser-known assets, Mutuum Finance (MUTM) is engineering a complete, flexible DeFi experience. This hybrid model doesn’t just widen the user base—it increases long-term engagement across multiple token classes.

Phase 5 of the Mutuum Finance (MUTM) presale is nearly complete, with 80% of tokens already sold. The current price is still holding at $0.03—but not for long. The next phase will raise the price to $0.035, a 20% gain for those who act now.

So far, the protocol has raised $12.5 million from over 13,500 holders, many of whom joined during earlier stages. Buyers from Phase 1 entered at just $0.010 and are already sitting on a 300% paper gain.

With a confirmed listing price of $0.06, even new Phase 5 participants are looking at a guaranteed 2X gain. But projections go much further. Market strategists who called DOT’s early run are now circling Mutuum Finance (MUTM) with estimates of up to 20x by 2026, driven by its real utility, not hype.

That confidence is also being reinforced by security measures. The project has already undergone a full audit from CertiK, earning a 95/100 Token Scan Score and a 77.5 Skynet rating. A $50,000 Bug Bounty program is now active, covering all vulnerability tiers with rewards for those helping improve system resilience.

This is a signal that Mutuum Finance (MUTM) isn’t just rushing to market—it’s building carefully for the long haul.

To energize its growing community, Mutuum Finance (MUTM) is also hosting a $100,000 giveaway, adding extra incentive for long-term believers.

All of this comes as the platform prepares for the release of its beta version, with core lending functionality and smart contract interactions set to go live around the time of exchange listings.

This is not just another speculative token. Mutuum Finance (MUTM) is building a real financial engine, with practical rewards, transparent mechanics, and sustainable architecture.

As BTC’s ETF-driven rally shines a spotlight on crypto, investors are searching for the next big narrative. This is how early ETH felt in 2016. Only now, the entry point is still just $0.03.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

The post This $0.03 DeFi token is 80% sold as BTC ETF inflows hit $2.72B—20x gains ahead? appeared first on Invezz

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