Dogecoin (DOGE) has once again surged into headlines, riding another wave of meme-fueled momentum. But for serious investors seeking real financial utility and sustained upside, attention is quickly shifting toward a rising DeFi project currently in its presale phase. Mutuum Finance (MUTM), now in Phase 5 and selling at just $0.03, has raised over $11.4 million and attracted more than 12,600 holders. As speculative assets like DOGE generate hype, Mutuum Finance (MUTM) is gaining traction by offering tangible yield, smart lending infrastructure, and strong passive income mechanics that stand apart in today’s crowded crypto field. Dogecoin (DOGE) as collateral? Mutuum makes it possible Mutuum Finance (MUTM) is preparing to enable users to extract liquidity from their meme coin holdings without having to sell. Through its Peer-to-Peer (P2P) lending model, users will be able to lock speculative assets like Dogecoin (DOGE) and negotiate loan terms directly with lenders. Imagine a user locking up $2,000 worth of DOGE while the market surges. Rather than selling early, that user will be able to borrow stablecoins against the Dogecoin (DOGE) collateral, maintaining price exposure while accessing funds. This model offers a smarter way to benefit from meme coin rallies without missing future upside. Meanwhile, the platform’s Peer-to-Contract (P2C) model will serve more stable assets such as USDT, ETH, and BTC. Lenders who deposit into these pools will receive mtTokens—tokenized representations of their deposits that grow in value over time as interest accrues. These mtTokens will be eligible for staking in designated contracts, unlocking additional MUTM dividend rewards. For example, someone lending $15,000 in USDT could earn an average 20% APY (depending on pool utilization)—equivalent to $3,000 in passive income annually—without giving up ownership of their principal. Mutuum Finance (MUTM)’s stablecoin will also play a key role in the ecosystem. It will be minted only when users borrow against assets like ETH and burned when loans are repaid or liquidated, helping maintain a consistent peg to $1. Governance will manage the interest rate to ensure stability, and only approved issuers will have the authority to create this stablecoin within set limits—creating a system that’s both decentralized and controlled for risk. All lending, whether through P2C or P2P, will require overcollateralization. Borrowers using assets like DOGE will need to secure their loans by providing sufficient backing. If a user’s collateral drops below a defined Stability Factor, the system will automatically liquidate the position—repaying the loan with minimal protocol risk. Real yields, real security, and a 5× setup before Q4 While Dogecoin (DOGE) continues to capture headlines, some whales are reallocating capital to more yield-focused assets. One Dogecoin (DOGE) investor, for example, shifted $7,000 into Mutuum Finance (MUTM) during Stage 3 of the presale, when the token was priced at $0.02. That move secured 350,000 MUTM tokens. Those tokens to the final listing price of $0.06 would already lock in a 200% gain—turning the initial $7,000 into $21,000. And that’s just the base case. If the token rallies further post-listing, as some analysts predict with targets of $0.50–$1, this single allocation could balloon into $175,000–$350,000 in value. With over 50% of Phase 5 now sold out, the window for comparable early entries is rapidly closing—prompting many Dogecoin (DOGE) holders to diversify before the opportunity disappears. Supporting the Defi infrastructure is a high-performance backend built with Layer-2 integration. By choosing Layer-2 technology, Mutuum will reduce gas fees and increase transaction speeds, creating a smoother experience for users—especially during periods of high network activity. The protocol is also undergoing rigorous security preparation. Its smart contracts have been audited by CertiK, receiving a Token Scan Score of 95.00 and a Skynet Score of 77. Beyond that, a $50,000 Bug Bounty Program has been launched, offering rewards across all severity levels—from low to critical—to encourage third-party testing and fortify the system against vulnerabilities. This commitment to reliability has already brought more than 12,600 holders into the ecosystem, with the team targeting a beta release around the time of the token launch. And with the ongoing $100K giveaway , ten early believers will be selected to receive $10,000 worth of MUTM tokens—rewarding those who move early on value instead of chasing memes. Furthermore, a calculated investment of $5,000 in MUTM at the current $0.03 price—before the Phase 6 increase—can grow to $150,000 if the token reaches a 30× valuation. With over $11.4 million raised and demand accelerating, the clock is ticking. Dogecoin (DOGE) might deliver quick pumps, but Mutuum Finance (MUTM) is setting the foundation for real DeFi scale. Those who recognize the shift now will be the ones capitalizing when the token’s utility meets market momentum. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Best crypto buys in July, DOGE climbs, but this DeFi underdog might outrun it appeared first on Invezz
