As the end of June approaches, investors are looking for quality crypto opportunities still priced under $0.06. In this price range, many tokens are driven purely by hype, but only a few offer real utility and ecosystem value. Among the most promising is Mutuum Finance (MUTM), a decentralized lending protocol currently in presale at $0.03. It has already raised around $10.85 million and is gaining attention for its lending infrastructure, passive income mechanics, and protocol-integrated stablecoin plans.
Compared to widely known assets like Shiba Inu (SHIB), which remain speculative and do not provide actual DeFi functionality, Mutuum Finance (MUTM) will deliver a working system that enables income generation, on-chain lending, and stablecoin issuance. While SHIB relies heavily on community sentiment, Mutuum Finance (MUTM) will be supported by a lending engine that allows users to earn yields from their assets through Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending.
How Mutuum Finance (MUTM) Will Deliver Real Passive Income
The Mutuum Finance (MUTM) protocol is being designed as a decentralized platform that will allow users to lend and borrow various assets through P2C and P2P systems. In the P2C model, users will deposit cryptocurrencies such as USDC, USDT, ETH, BTC, BNB, SOL, and AVAX into shared pools. Borrowers who provide overcollateralized backing will access these funds. When borrowing activity increases, the pool utilization rate will rise, which will push interest rates higher. This change will naturally attract more depositors seeking higher yield, balancing supply and demand within the pool.
In return for deposits, users will receive mtTokens—interest-bearing tokens that represent the value of the deposited asset. For example, depositing DAI will provide mtDAI at a 1:1 ratio. These mtTokens will accrue interest and can be used as collateral or traded on secondary markets, allowing users to maintain liquidity while continuing to earn.
The P2P model will allow direct lending between users, where lenders can customize loan terms and offer assets not typically supported by traditional platforms. This model will support lending for tokens such as Shiba Inu (SHIB), Dogecoin (DOGE), and Pepe (PEPE), offering unique income opportunities for active users interested in less common tokens.
On top of this, Mutuum Finance (MUTM) is developing a decentralized stablecoin that will be pegged to $1 and minted only when users borrow against collateral. The stablecoin will be burned when loans are repaid or liquidated. Minting will be restricted to approved issuers, each with a defined cap. The interest rate for borrowing this stablecoin will be governed by protocol rules to help maintain the peg. The system will rely on arbitrage, interest adjustments, and full overcollateralization for stability.
Why the MUTM Token Is Positioned to Perform
Mutuum Finance (MUTM) is building a complete ecosystem around its native token. The total supply is fixed at 4,000,000,000 tokens, with the current presale price set at $0.03. According to the roadmap, the beta version of the platform is expected to go live around the same time as the token listing. At listing, the token will be priced at $0.06.
The protocol plans to use part of its profits to buy back MUTM tokens from the open market and redistribute them to mtToken stakers. This will encourage more users to participate in the safety module and deepen liquidity.
The protocol’s CertiK audit was initiated using both manual and static analysis, with a Token Scan Score of 80.00 and a Skynet Score of 72.38. The audit request was initiated on February 25, 2025, and revised on May 20, 2025. Mutuum Finance (MUTM) has also integrated Layer-2 support, which will ensure faster and lower-cost transactions, helping users avoid congestion and high fees often seen on Ethereum-based platforms.
Community support continues to grow. Mutuum Finance (MUTM) currently has over 12,250 token holders and more than 10,000 followers on Twitter. A $100,000 giveaway campaign is ongoing, where ten winners will receive $10,000 worth of MUTM tokens each, providing early backers with additional rewards.
Final Thoughts—A DeFi Project With Real Structure
In a market where most sub-$0.06 tokens are driven by market noise or limited use cases, Mutuum Finance (MUTM) offers a structured path to growth. It will deliver decentralized lending through two functional models, generate yield from borrower activity, and support passive income via mtTokens and buybacks. Its upcoming stablecoin system will add another layer of utility, and the Layer-2 infrastructure will support faster, cheaper access for users.
Compared to alternatives like Shiba Inu (SHIB), which has yet to introduce income tools or lending mechanics, Mutuum Finance (MUTM) represents a more complete ecosystem. It’s not just a token; it’s a platform designed to turn crypto assets into working capital with real yield and security behind every interaction.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a sponsored press release and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.
* This article was originally published here
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