While Avalanche (AVAX) recently surged 6% amid a short-lived relief rally, a new wave of investor attention is steadily drifting toward a lesser-known but fast-rising DeFi contender— Mutuum Finance (MUTM) . With a fundamentals-first design, real-yield mechanics, and a rapidly expanding user base, Mutuum Finance (MUTM) is drawing interest not just from traders seeking returns, but also from long-term DeFi users looking to earn passive income on-chain with full transparency. Mutuum Finance (MUTM) is in Phase 5 of its presale and has already raised over $10.55 million at the current price of $0.03. With more than 12,000 holders already participating, it’s clear the ecosystem is resonating with users who want more than just token speculation. By comparison, Avalanche’s (AVAX) recent market rally has not been accompanied by equally strong traction in protocol usage or retail excitement, giving Mutuum Finance (MUTM) a noticeable edge in year-to-date momentum. Real-yield DeFi with passive income potential One of Mutuum Finance (MUTM)’s strongest selling points will be its focus on real-yield DeFi through two distinct lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). The P2C model will allow users to supply assets like AVAX, BTC, ETH, SOL, or BNB into smart contract liquidity pools. These assets will then be loaned out to borrowers, and lenders will earn passive interest based on market-driven demand. The more a pool is utilized, the higher the yield—offering users a way to earn passively without relying on speculative staking or inflationary rewards. In contrast, the P2P model will give users full control by letting them negotiate direct loan terms with borrowers. Lenders will be able to offer tokens that are often ignored by other platforms, including Pepe (PEPE), Dogecoin (DOGE), and Shiba Inu (SHIB). This will open a broader, untapped earning opportunity in the meme-token economy. With flexible terms and wide asset support, active users will be positioned to earn much more compared to traditional DeFi platforms. The MUTM token is the native asset of Mutuum Finance (MUTM), designed to provide users with direct benefits from platform revenue. A portion of the protocol’s profits will be used to repurchase MUTM tokens on the open market, those purchased tokens will then be sent to safety-module participants who stake mtTokens in designated contracts.—offering a stream of passive dividends. These dividends connect long-term token value to the protocol’s performance, making MUTM a revenue-sharing instrument driven by real ecosystem demand. This model is designed to avoid the problem of capital inefficiency often found in staking systems or centralized lending platforms. Mutuum Finance (MUTM) aims to create a fluid experience where every token holds value and purpose, even while locked in smart contracts. For investors looking to project returns, the numbers speak for themselves. A $2,000 investment at the current presale price of $0.03 would secure approximately 66,667 MUTM tokens. If the token reaches just 25x post-launch, the value of that investment would grow to $50,000—showing the kind of upside that’s drawing increasing attention from retail and DeFi-native investors alike. Stablecoin design with full transparency Among Mutuum’s most ambitious features is the upcoming release of a fully overcollateralized, decentralized stablecoin. Unlike centralized stablecoins backed by fiat reserves, Mutuum’s stablecoin will be minted from assets already held in the protocol. The supply will adjust algorithmically, and all backing will remain visible on-chain. This stablecoin will improve borrowing reliability and deepen lending activity on the platform. More importantly, the interest paid by borrowers will flow back into the ecosystem. With a strong feedback loop in place, the introduction of the stablecoin will add another source of yield and utility for users. Mutuum Finance (MUTM) is being developed on Layer-2 infrastructure to ensure faster, lower-cost transactions. This decision addresses common issues in DeFi like high gas fees and sluggish confirmation times. For users, this means lower barriers to entry and a seamless lending-borrowing experience. The improved speed and cost-efficiency will make it more attractive to both retail users and larger liquidity providers. The development team plans to release a beta version of the platform at the time of token launch, aligning infrastructure rollout with the rising momentum of the presale. With key parts of the roadmap Phase 1 already executed—including the launch of an AI-powered helpdesk, CertiK audit, and marketing campaigns—Mutuum’s operational credibility is already well ahead of many similarly timed projects. A growing ecosystem with long-term vision As Mutuum Finance (MUTM) moves through the remaining stages of its roadmap, its structure continues to attract serious interest. The protocol’s security has been audited by CertiK, which completed both manual review and static analysis. A token scan score of 80.00 reinforces its technical foundation and gives incoming users a level of trust often missing in the DeFi sector. The team has committed to transparency and compliance by forming a legal unit and implementing an educational content initiative. The current $100,000 giveaway further expands community reach and signals confidence in the protocol’s long-term appeal. While AVAX may be enjoying short-term price spikes, Mutuum Finance (MUTM) is assembling a protocol-first product suite that blends real revenue with true user ownership. With no hard limits on deposits and permissionless access to liquidity, Mutuum is building for scale—and users are noticing. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post AVAX jumps 6% in relief rally — still, MUTM’s YTD rise is outpacing AVAX appeared first on Invezz
