based on materials - By Times Tabloid

In 2023, PEPE shook the crypto world, turning investments of a few hundred dollars into millions. The surge was fueled by hype and rapid community growth. However, it failed to sustain those gains in the long term. By 2025, PEPE investors struggled to find growth amid a sharp decline in demand for meme coins. In response, investors directed capital into promising projects like Mutuum Finance (MUTM), which focus on utility.

Mutuum Finance (MUTM) aims to cover all aspects of the DeFi world that have prevented it from realizing its full potential. The project is built as a decentralized non-custodial protocol that allows lenders, borrowers, and liquidators to benefit.

The primary role of the lender is to provide liquidity to liquidity pools that borrowers can borrow from using over-collateralized loans. In exchange for providing their assets, borrowers are offered an annual percentage yield, the rate of which is set using the pool.

The project slightly deviates from this basic model and builds upon it with the aim of creating a thriving ecosystem. To avoid the pitfalls of past DeFi projects, the team has paid great attention to security. Recently, they underwent a Certik audit, confirming their commitment to security.

They have also taken measures to ensure the long-term solvency of the protocol. These measures include:

All loans issued on Mutuum Finance (MUTM) will be over-collateralized to account for asset value fluctuations. A sufficient buffer on required parameters, combined with clear incentives, will ensure the security of positions even during unexpected market movements.

If the collateral falls below a specified level, part of that collateral becomes subject to liquidation. Liquidators are given the opportunity to buy back the debt at a discount. Borrowers can also top up their collateral to avoid liquidation. This system ensures a healthy ecosystem where hopeless debt does not accumulate.

The deposit limit sets a cap on how much of a specific asset can be added to the liquidity pool. It ensures that the protocol will not be overly exposed to low-liquidity or highly volatile assets. Moreover, it avoids the problem of unlimited asset issuance. The deposit limit is determined by various factors, such as on-chain trading volume, historical price dynamics, and price stability.

Borrowing limits, on the other hand, control how much of an asset can be borrowed. The limit is used for tokens that are likely to face price manipulation or liquidity issues. By setting a limit on borrowed amounts, the protocol reduces the risk of insolvency.

Some low-liquidity assets may be assigned a limited collateral mode. When this happens, one collateral asset can only be used to borrow the same asset or with strict limitations. If the oracle data is susceptible to manipulation, the limits ensure there is no systemic impact.

This feature is used for assets that have closely correlated price movements, such as stablecoins. ECE provides assets with an increased borrowing limit if both the assets and collateral are in the same group. Consequently, participants benefit from higher capital efficiency while avoiding systemic issues.

The LTV ratio is used to limit how much a user can borrow relative to the value of their collateral. The LTV currently in effect changes depending on market conditions.

These are just some of the many features that Mutuum Finance uses to ensure the security of the protocol for all users. Overall, it paints a picture of a project that prioritizes user safety; nothing is left to chance.

Early investors in the first stage of the presale received their tokens at $0.01, and since then the price has increased by 200%. Despite this growth, interest in the presale remains high. In the upcoming presale phase 6, the price will increase by 16.67% to $0.035. This will also reduce the guaranteed profit based on the listing price of $0.06 from 100% to 71.43%.

If you want to be part of a project that can redefine DeFi, Mutuum Finance (MUTM) is your best choice. The project comes with many powerful features and a new approach to the DeFi sector that will prioritize quality and long-term growth. At the current price of $0.03, the entry ticket to the future of DeFi is a huge deal.

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