The post Best Crypto to Buy Before July Starts—Ethereum (ETH) Isn’t the Only Smart Play appeared first on Coinpedia Fintech News Ethereum (ETH) has been enjoying renewed momentum in 2025. With rising institutional inflows and the sustained interest around spot ETF approvals, the second-largest cryptocurrency continues to prove itself as a cornerstone of decentralized finance. Its network upgrades and strong market cap have kept it at the forefront of crypto innovation. But while Ethereum (ETH) maintains its dominance, a new name is making waves from the grassroots up: Mutuum Finance (MUTM) . Mutuum Finance (MUTM) is still in presale, yet it has already raised around $10.85 million and attracted more than 12,250 holders at a presale price of just $0.03 per token. What sets it apart from traditional protocols is not only its entry point but also its powerful earning mechanics and the infrastructure being built for long-term decentralized growth. For investors who want strong upside potential from a lower base, Mutuum Finance (MUTM) will offer more than just speculative gains—it will deliver real DeFi utility. DeFi Lending Reimagined—Built for Yield, Built for Access Mutuum Finance (MUTM) will function as a decentralized, non-custodial liquidity protocol that allows users to lend and borrow various crypto assets using two models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, users will deposit assets like Ethereum (ETH), USDC, USDT, Solana (SOL), Binance Coin (BNB), Bitcoin (BTC), or Avalanche (AVAX) into smart contract-based liquidity pools. These deposits will automatically earn interest as they get borrowed by others. As pool usage rises, interest rates will increase dynamically, attracting more lenders and creating a high-yield cycle tied to real demand. The P2P model will give lenders full control, allowing them to negotiate terms directly with borrowers. Users will be able to lend even less commonly supported assets like Pepe (PEPE), Dogecoin (DOGE), or Shiba Inu (SHIB)—tokens that are often ignored by centralized platforms. This flexibility will appeal to active users who want more personalized control and higher reward strategies. Once an asset is deposited into the pool, users will receive mtTokens—tokenized representations of their deposit and interest accrual. These mtTokens will serve as yield-bearing instruments and can be staked to earn passive income from protocol profits. As usage expands, users who lock their mtTokens in designated contracts will receive MUTM token dividends bought in the open market from market revenue. This creates a rewarding loop for early believers. Layer-2 integration will also give the platform an edge. Lower transaction fees and faster execution times will ensure that Mutuum Finance (MUTM) functions efficiently even during market congestion. The protocol’s CertiK audit, with a Token Scan Score of 80.00 and a Skynet Score of 72.38, will add an extra layer of confidence for users exploring new DeFi options. Stablecoin Utility and MUTM Token Value—Driving Real Ecosystem Demand Another major development is the upcoming launch of Mutuum’s decentralized stablecoin. It will maintain a $1 peg and will be minted only when a user borrows against on-chain collateral, such as ETH. This stablecoin will be automatically burned when loans are repaid or liquidated. Unlike traditional models that rely on fiat or centralized reserves, this one will use algorithmic governance to manage supply and interest rates. Interest rates for borrowing this stablecoin will not be decided by market speculation. Instead, governance will adjust the rates to help stabilize the peg. This system will allow the stablecoin to become a foundational utility layer within the Mutuum ecosystem. Only approved issuers will be allowed to mint this stablecoin, with individual allocation caps to ensure responsible usage. The MUTM token itself will be the centerpiece of the entire protocol. With a supply of 4 billion tokens, MUTM will be used to distribute passive dividends, and incentivize users who stake mtTokens. Most importantly, its long-term value will be tied directly to protocol activity—every time someone borrows, lends, or interacts with liquidity pools, value will flow through to token holders. MUTM Is Built to Last—Presale Progress, Ecosystem Momentum, and Beta Launch Plans According to the current roadmap, Mutuum Finance (MUTM) is preparing to launch a beta version of its lending and borrowing platform by the time the token goes live. This will mark a key milestone in usability and provide early adopters with a hands-on experience of the system in action. The project is also running a $100K giveaway , where ten winners will be awarded with $10,000 worth of MUTM tokens each—rewarding those who supported the project early in its journey. All deposits will be handled through secure, non-custodial smart contracts. Users will always retain control of their funds and can redeem their mtTokens anytime, assuming sufficient liquidity is available. Interest rates will shift dynamically in P2C lending, while in P2P, users will set their own terms. This dual approach will ensure flexibility and adaptability to various market conditions. For those looking to borrow instead of sell, Mutuum will allow access to liquidity without losing exposure to long-term holdings. Whether someone wants to borrow against ETH to invest in other opportunities or manage short-term costs, this strategy will allow them to keep control of their assets while still participating in the broader DeFi market. Through an intelligent combination of dynamic interest systems, passive income rewards, algorithmic stablecoin mechanics, and real yield opportunities, the project is projecting a complete financial ecosystem for the decentralized future. With presale still active and the price fixed at $0.03, there is a narrow window before the next price jump begins. Those who act now will secure a stronger position in what could become one of the most talked-about DeFi protocols of the year. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance
