Ripple (XRP) and Shiba Inu (SHIB) continue to dominate headlines, but investors looking for serious returns are beginning to look beyond the noise. With both tokens having already experienced massive surges in earlier market cycles, fresh capital is now seeking undervalued assets still in their early stages of development. One standout is Mutuum Finance (MUTM) —a DeFi protocol that is working on combining deep utility, token-based rewards, and powerful passive income features into one smart ecosystem. Priced at just $0.03, with over $10.85 million raised and more than 12,300 holders, Mutuum Finance (MUTM) is currently sitting in Phase 5 of its presale and quietly gaining attention. Backed by a CertiK audit and designed with Layer-2 scaling for fast, low-cost usage, the protocol is preparing for a beta launch by the time it lists on exchanges. Investors who recognize the significance of early exposure at $0.03 are acting before it progresses through the remaining presale phases, with the final listing price set at $0.06. Earning passive income with mtTokens and staking At the core of Mutuum Finance (MUTM)’s design is the ability for users to earn real yields from their participation. When users deposit assets into the protocol—whether stablecoins like DAI or major tokens like ETH—they receive mtTokens in return. These are interest-accruing tokens that represent a user’s share in the platform’s pooled liquidity. Over time, mtTokens will automatically increase in value as borrowing activity generates interest within the platform. For those looking to boost their income further, Mutuum Finance (MUTM) will offer additional rewards through staking. Users who stake their mtTokens in a designated contract will become eligible for passive dividends. These rewards will come from the protocol’s revenue, which will be partially used to buy back MUTM tokens from the open market. The purchased tokens will then be redistributed to mtToken stakers, aligning long-term incentives and rewarding those who strengthen the protocol’s stability. Unlike other projects where earnings are vague or unsustainable, Mutuum Finance (MUTM) will operate on clear, overcollateralized lending mechanics. It will support both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models. In the P2C model, interest rates will adjust dynamically based on the utilization of liquidity pools. The P2P model, on the other hand, will allow lenders and borrowers to set custom terms—offering both flexibility and higher earning potential for those willing to take on more risk. With no strict minimum or maximum deposit thresholds, users will have the freedom to enter with any amount they find suitable. And because the funds will be stored in non-custodial smart contracts, users will retain full control over their assets at all times. Utility-driven tokenomics and what’s next The team behind Mutuum Finance (MUTM) is also preparing a decentralized stablecoin. This stablecoin will always aim to stay at $1, backed entirely by on-chain collateral. It will be minted only when approved issuers deposit assets like ETH, and it will be burned when loans are repaid or liquidated. By avoiding fiat reserves and centralized backers, this stablecoin will offer transparency and algorithmic price balance. Interest rates will be governed by Mutuum and will adjust based on price deviation to ensure stability. All loans will be overcollateralized, and automatic liquidation will keep the system solvent. To make participation even more attractive, the Mutuum Finance (MUTM) team is running a $100,000 giveaway . Ten early supporters will win $10,000 worth of MUTM tokens each, recognizing the contribution of those who believed in the vision from the start. With over 10,000 followers on Twitter and a growing online community, this campaign is just one part of a broader strategy to build long-term engagement. The project is also implementing Layer-2 scalability, which will enable faster and cheaper transactions than traditional DeFi platforms. This choice directly addresses some of the biggest issues in decentralized finance—gas fees and congestion—making Mutuum Finance (MUTM) much more user-friendly from day one. For investors who missed out on early entries into big-name projects, Mutuum Finance (MUTM) offers a second chance—only this time with a complete utility framework in progress, a planned stablecoin, and a working reward system to be built into every part of the protocol. With the token priced under $0.07, $0.03 to be exact and presale stages advancing quickly, MUTM stands as one of the most overlooked yet promising opportunities of this cycle. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Best crypto under $0.07 with massive returns potential — it’s not XRP or SHIB appeared first on Invezz
