Ethereum (ETH) and Solana (SOL) have remained solid options for long-term holders, but in terms of short-term upside, the momentum is shifting toward a lesser-known DeFi project that’s accelerating through its presale. Mutuum Finance (MUTM) has now raised $11.70 million with over 60% of its tokens sold in Phase 5—yet the price is still just $0.03. While the mainstream crowd watches the blue chips, sharper investors are chasing asymmetric returns where the growth curve is steepest. MUTM’s current valuation, combined with its projected passive income ecosystem and token utility model, has drawn serious traction. A Telegram community that entered Mutuum Finance (MUTM) during Phase 3 at $0.02 per token with $3,000 each received exactly 150,000 MUTM tokens. At the current Phase 5 price of $0.03, those tokens are already worth $4,500—showing a 50% gain in under two phases. By Phase 11, where the token will be sold at $0.06 (the listing price), each entry will be valued at $9,000, representing a full 200% growth from their original investment. The value proposition is different here—this is not just another lending protocol. Mutuum Finance (MUTM) is shaping up to be a diversified revenue engine for DeFi users who want to stake, earn, and reinvest on-chain without barriers or complexity. Mutuum Finance (MUTM) What separates Mutuum Finance (MUTM) from most projects is its multi-layered earning structure. At the foundation is its mtToken system, which rewards lenders with interest-generating tokens that automatically grow in value as more users borrow from the protocol. When a user supplies capital—say $10,000 in DAI—they receive mtDAI tokens on a 1:1 ratio. These tokens continuously increase in value as interest accumulates, requiring no manual claims or re-staking. If pool activity sustains a 15% APY (depending on the pool utilization), that $10,000 position becomes $1,500 by year’s end—fully on-chain and without custodial risk. But the passive earnings don’t stop there. Mutuum Finance (MUTM) plans to distribute MUTMs which are bought back from the open market using the protocol-generated revenue directly to users who stake mtTokens in designated contracts. This creates an added dividend layer, powered by strategic token buybacks. When protocol income rises, so does MUTM demand. Unlike other protocols, Mutuum Finance (MUTM) is building for scale, not just hype. It will offer two distinct lending frameworks. P2C (peer-to-contract) lending supports large, stable assets like BTC, ETH, and USDT. These are managed through smart contracts with dynamic interest rates, attracting conservative lenders who want predictable, automated returns. P2P (peer-to-peer) lending targets smaller or more volatile assets like SHIB or DOGE, where users negotiate their own loan terms. This opens new yield opportunities with higher risk-reward profiles, while keeping core liquidity pools secure. L2 infrastructure and stablecoin utility set to drive future demand Another key reason analysts expect triple-digit growth from Mutuum Finance (MUTM) is its upcoming Layer-2 integration. When the protocol goes live, its infrastructure will already be optimized for faster, lower-cost transactions—solving major bottlenecks for everyday users. As more activity moves to Layer-2 chains, gas savings and smoother UX will significantly improve borrowing, lending, and staking flows on the platform. That’s where token demand accelerates—when utility becomes frictionless. In parallel, Mutuum Finance (MUTM) is rolling out an overcollateralized stablecoin backed by real crypto assets and managed through smart contracts. Minting will be restricted to approved issuers, each with controlled limits to reduce systemic risk. What makes this stablecoin approach powerful is its closed-loop relationship with lending—users will be able to borrow this stablecoin against deposited collateral, then repay or burn it based on loan status. Combined with adaptive interest rate mechanics and arbitrage support, this system is engineered to maintain a $1 peg while strengthening the protocol’s treasury. Final words With only four phases left before reaching the $0.06 listing price, the current $0.03 entry point has become a focal point for aggressive capital rotations. At the current phase, a $6,000 investment becomes $12,000 by Phase 11. If listing momentum pushes the price to $0.12 post-launch, that same position is worth $24,000. Summer gains aren’t hypothetical—they’re already being tracked in real wallets. Mutuum Finance (MUTM) isn’t just offering exposure to the DeFi sector—it’s giving everyday investors the toolkit to earn, stake, and multiply returns without leaving the ecosystem. While ETH and SOL hold their ground, the real upside this season belongs to those who position early. Phase 6 is coming soon, and with each step, the entry price rises. Be among those who move early—not those who wish they had. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Best summer crypto picks, ETH, SOL, and one hidden gem with 200% potential appeared first on Invezz
