A new chapter is unfolding in the DeFi space as investors shift their focus to platforms offering real utility, sustainable income, and flexible risk exposure. With lending protocols dominating headlines, Mutuum Finance (MUTM) is stepping into the spotlight as one of the most talked-about DeFi entrants of 2025. At just $0.03 per token, it is attracting investors eager to get in early before the next price jump. Phase 5 of the presale is already 50% sold out, and with a higher price coming in Phase 6, this will be the final window to secure MUTM at a discounted rate. Mutuum Finance (MUTM) is redefining crypto lending by introducing a two-pronged model that caters to both conservative capital and high-risk digital assets. With a beta platform launch scheduled for release alongside the token going live and a $100,000 giveaway rewarding early believers, Mutuum is pushing on all fronts to lead DeFi innovation this summer. Because of the utility embedded in Mutuum Finance (MUTM) many meme investors are finally waking up. After losing money to coordinated dumps or low-liquidity coins, they’re asking, “Where’s the actual value?” That’s where Mutuum Finance steps in. It’s not just a token—it’s a fully audited DeFi platform that pays users to lend and hold. Early-phase buyers from $0.01 to $0.03 have seen up to 3x profits, and with beta launching soon and exchange listings expected, the next wave of serious investors is now watching MUTM for at least 100% gain from here. P2C or P2P? Mutuum lets you choose Mutuum Finance (MUTM) will operate through two core models—Peer-to-Contract (P2C) and Peer-to-Peer (P2P)—providing unmatched lending flexibility. The P2C model will target blue-chip assets like Bitcoin (BTC), Ethereum (ETH), and Solana (SOL). Users will deposit these tokens into audited smart contracts, generating mtTokens in return. These yield-bearing mtTokens will accumulate interest and can later be redeemed for the original assets plus earnings, subject to liquidity. Interest rates will be automatically adjusted based on pool utilization, rewarding suppliers when demand rises. As usage increases, lenders will see their returns climb, establishing a self-balancing cycle that ensures capital efficiency and protocol health. Meanwhile, Mutuum’s P2P model will serve more speculative tokens like Dogecoin (DOGE), Shiba Inu (SHIB), and Pepe (PEPE). Here, lenders and borrowers will set custom terms, including interest rates and loan durations. With no shared pool, lenders can charge higher rates in exchange for taking on more risk. This model expands lending access for non-traditional assets while preserving P2C liquidity by isolating volatility. Both lending formats will be overcollateralized and governed by a Stability Factor metric to protect all positions. If the collateral value dips too low, the system will automatically initiate liquidation, safeguarding lender funds and keeping the ecosystem solvent. Why investors are jumping on MUTM at $0.03 MUTM isn’t just another utility token. It will serve as the backbone of the Mutuum ecosystem, powering staking rewards and protocol revenue redistributions. Users who stake mtTokens in designated contracts will receive MUTM dividends when the platform performs buybacks using revenue from loan interest. This system will directly link token demand to platform usage, locking in real yield for long-term supporters. Layer-2 infrastructure will further enhance Mutuum’s offering by delivering fast, cost-efficient transactions. The integration of a decentralized stablecoin—minted only through overcollateralized borrowing—will inject even more stability and capital efficiency. As borrowers repay or get liquidated, the stablecoin supply will shrink automatically, reducing risk and supporting peg maintenance. Governance will dynamically control borrowing interest rates, ensuring that price fluctuations are managed without relying on external parties. As the roadmap progresses toward the beta launch, over 12,450 holders have already joined the ecosystem. With more than $11.2 million raised, audit scores from CertiK that include a 95.00 Token Scan and 76.50 Skynet Score, and an engaged 10K+ Twitter following, momentum is building fast. The giveaway—offering ten early participants $10,000 worth of MUTM tokens each—adds even more urgency to act now. MUTM is not just a presale token; it’s a full-fledged DeFi engine in the making. Those who move early stand to gain not only from the launch itself but from continued income through dividends, platform rewards, and sustained ecosystem growth. The $0.03 price tag won’t last long, and with the next phase around the corner, the summer of 2025 will belong to Mutuum Finance (MUTM). For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Top DeFi coin of summer 2025? This $0.03 underdog is leading the race appeared first on Invezz
