Finding the next big mover in crypto often means looking past what’s already popular. Tokens like Chainlink (LINK) once traded for just a few cents before becoming major names in the space. Now, a new DeFi project is catching early investor attention — and it’s still priced at only $0.02. That project is Mutuum Finance (MUTM) — a decentralized lending protocol that’s still in its early stages but already showing strong signals of growth. With a combination of real utility, strong demand during presale, and plans to launch with functioning products, many see MUTM as a top contender for long-term value, especially while it remains below $0.10. What Is Mutuum Finance (MUTM) At its core, Mutuum Finance is focused on bringing more flexibility and accessibility to lending and borrowing crypto assets. The protocol is decentralized and non-custodial, meaning users stay in full control of their funds at all times, without relying on intermediaries. Mutuum lets users lend their assets to earn passive yield or borrow by locking up collateral. On the lending side, when someone supplies an asset, like ETH or USDT — they receive an equivalent amount of mtTokens. These mtTokens track the deposit and accumulate interest over time, which can be redeemed or even used elsewhere in DeFi. Borrowing is just as streamlined. Users can deposit overcollateralized assets to access liquidity while continuing to hold exposure to their original tokens. There are no fixed repayment dates — positions stay open as long as the collateral remains sufficient. It’s a system that supports both passive earners and active DeFi users. Mutuum also offers two different lending structures: Peer-to-Contract (P2C): In this model, users contribute to shared liquidity pools. Interest rates are dynamic and adjust based on how much of the pool is currently borrowed. It’s ideal for those who want a hands-off way to earn. Peer-to-Peer (P2P): This allows lenders and borrowers to set custom terms directly. It’s useful for more niche tokens or volatile assets like DOGE or PEPE that don’t always fit into standard lending systems. This dual-model approach gives Mutuum flexibility that most DeFi protocols don’t offer — a key reason many experienced traders and long-term investors are starting to take notice. Right now, Mutuum is in Phase 3 of its presale, and momentum is strong. The token is still priced at $0.02, but over 96% of the current round has already sold out. More than $5.3 million has been raised, with over 7,100 holders already on board. Once this round closes, the price will jump to $0.025, followed by a confirmed launch price of $0.06. That’s a 3x return from the current level — before even considering what happens post-launch. It’s not hard to draw a comparison. Chainlink started at a fraction of a dollar and eventually became one of the most important infrastructure tokens in the space. While every project is different, the key to LINK’s success was its utility — it solved a real problem and gained traction because of that. Mutuum is approaching things the same way: launching with real features, attracting early users, and building a model that rewards long-term participation through mechanisms like buy-and-distribute, which puts buying pressure on the token while rewarding mtToken holders. As the market slowly turns back toward utility-driven projects, tokens like MUTM are gaining momentum. It’s still early, the entry price is low, and the team plans to launch a beta version of the platform by the time of listing — putting it well ahead of most presale tokens in terms of readiness. For those who regret not getting in on LINK early, MUTM might just be that second chance — but only while it’s still under $0.10. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.finance/ Linktree: https://linktr.ee/mutuumfinance The post If you missed LINK at $0.20, you might not want to miss this one while it’s still under $0.10 appeared first on Invezz
