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With July heating up, the spotlight is shifting to lesser-known tokens under $0.10 that offer real upside and solid structure. While many investors stick with legacy names for this month like Shiba Inu (SHIB), smarter money is now rotating into assets with strong protocols, rising adoption, and low market caps. Mutuum Finance (MUTM), priced at just $0.03 and currently in Phase 5 of its presale, is emerging as one of the most compelling tokens in this category. 

With $11.7 million raised, more than 12,700 holders, and 60% of the current phase already sold, the project is gaining traction not only for its price point but also for its practical DeFi infrastructure. One early retail investor who entered Mutuum Finance (MUTM) with just $900 in Phase 1 secured 90,000 tokens at $0.01. Now, at the current Phase 5 price of $0.03, that position is worth $2,700—a 200% gain in just four presale rounds. 

With the listing price confirmed at $0.06, the portfolio is already halfway to a 6X return even before launch, validating the growing trend of early accumulation in utility-driven DeFi tokens like MUTM. Unlike many short-term narratives in the space, Mutuum Finance (MUTM) is focused on delivering functionality that targets passive income, risk-managed lending, and real market utility.

Flexible Borrowing, Structured Lending, Real Earning

One of the most notable advantages of Mutuum Finance (MUTM) lies in its dual borrowing and lending structure. It supports overcollateralized loans with no fixed repayment period. Users who want to borrow can lock up assets like ETH and gain access to liquidity while still maintaining exposure to their collateral’s price growth. A user supplying $10,000 in ETH as collateral will be able to borrow up to 70% (depending on the LTV ratio) of that value, enabling them to tap funds without selling and missing out on future gains.

Lending is just as user-centric. When users deposit assets into the P2C pool, they receive mtTokens in return—on-chain assets that grow in value with the interest generated from borrowers. So, someone depositing $10,000 in DAI would get 10,000mtDAI in 1:1 and watch the token appreciate passively over time. The mtToken represents both the principal and the accrued interest, all tracked transparently on-chain and fully non-custodial. This system is designed to simplify earnings for users who want passive income without active trading.

And the scope of supported assets doesn’t stop at typical tokens like ETH or DAI. The protocol will also enable lending and borrowing for tokens outside of the mainstream, offering room for innovation across different user profiles.  There’s also no minimum or maximum deposit restriction. Whether a user wants to supply $100 or $100,000, the system accepts it through the same smart contract infrastructure. Risk controls, including supply caps per asset class, are built into the platform to ensure solvency and sustainable growth as the user base expands.

Dividend Payouts and Revenue-Backed Rewards

Beyond lending and borrowing, Mutuum Finance (MUTM) is preparing to roll out a revenue-sharing system tied directly to protocol activity. This is not just about earning interest. Users who stake mtTokens in designated contracts will receive passive dividends paid in MUTM, sourced from ongoing platform profits. These payouts will occur through buybacks, where the protocol purchases MUTM on the open market and redistributes it to active mtToken stakers. The more the protocol earns, the more value gets funneled back to users—creating an incentive loop designed to reward long-term engagement.

To build additional trust, Mutuum Finance (MUTM) has aligned its smart contract development with internal and external audits, a public bug bounty program, and Layer-2 scaling architecture to enhance performance and reduce gas costs once live.

All of this comes backed by a detailed roadmap. With most of Phase 1 already completed, including the external audit and listing on tracking platforms, the next stages will focus on the beta version launch, core feature development, and risk control implementation. The platform aims to integrate advanced analytics and finalize compliance frameworks as it moves closer to public availability.

There’s not much time left at the $0.03 entry point. Once Phase 5 ends, the price will increase with each round, and the final listing target is set at $0.06. Those who enter now have a rare opportunity to double their position before the token even hits exchanges. DeFi isn’t about hype anymore—it’s about structure, utility, and growth. And that’s exactly where Mutuum Finance (MUTM) is headed.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance