DeFi lending evolved: P2C pools and P2P loans on Layer 2
Mutuum Finance (MUTM) is building a dual lending system that addresses the diverse needs of crypto holders. Its Peer-to-Contract (P2C) pools gather stablecoins and blue-chip tokens such as DAI, ADA, and LINK, offering depositors variable APYs based on utilization rates within the pool.
This means that as more users borrow from the pool, interest rates adjust dynamically, maximizing returns for lenders while keeping borrowing affordable. For example, depositing 1,500 MATIC tokens at an 11% APY will earn 165 MATIC annually, which grows automatically as you hold the platform’s native interest-bearing mtTokens.
On the borrowing side, Mutuum Finance (MUTM) users can lock assets like AVAX as collateral to borrow up to 75% of their value in stablecoin. For instance, putting up 2,000 AVAX tokens lets a user draw a loan of stablecoins worth 75% of that collateral value.
This overcollateralization is safeguarded by a Stability Factor, ensuring loans remain secure and minimizing liquidation risk.
What sets Mutuum Finance (MUTM) apart is its Peer-to-Peer (P2P) lending market for more volatile tokens like DOGE and FLOKI, where terms such as interest rate and duration are negotiated directly between parties.
This separation of higher-risk loans from the stable P2C pools preserves platform stability while catering to a broad range of investors, from conservative yield seekers to those chasing higher returns in emerging tokens.
Presale nears sellout as key features promise growth
The Mutuum Finance (MUTM) presale is in its fifth phase, having raised an impressive $13.1 million with over 90% of the tokens already sold at the current $0.03 price.
This leaves only a small fraction of discounted tokens available before the next phase triggers a 20% price increase to $0.035, making this the last chance to secure MUTM at a favorable entry point.
Adding to the appeal is the upcoming Layer 2 integration that will dramatically reduce transaction costs and speed up processing times.
This upgrade will power the Beta launch with the token listing time, which activates critical features like the minting and burning of Mutuum Finance (MUTM)’s native stablecoin and an automatic interest rate optimization engine.
These functions will boost liquidity, improve capital efficiency, and enhance the user experience, driving platform adoption.
Security remains a top priority, as demonstrated by Mutuum Finance (MUTM)’s thorough CertiK audit. The project scored 95 on Token Scan and 77.5 on Skynet, highlighting strong code quality and smart contract safety.
The protocol also runs a $100,000 giveaway, awarding ten lucky winners with $10,000 worth of MUTM tokens each, fostering community excitement and engagement as the platform prepares for full deployment.
A well-timed investment can yield remarkable returns — just look at a Phase 2 buyer who swapped $2,000 worth of Bitcoin (BTC) for 133,333 MUTM tokens at $0.015. With the current presale price now at $0.03 (Phase 5), that same holding is worth $4,000, marking a solid 2x return even before listing.
As Mutuum Finance (MUTM) activates its Layer 2 infrastructure, featuring gas-efficient lending, a mint/burn stablecoin system, and auto-rate optimization, demand for MUTM is expected to accelerate sharply.
With fixed tokenomics and rising on-chain utility, a move to the $0.06 listing price would double this again, delivering a 4x return from the original entry.
And if adoption continues to scale through deeper DeFi integrations and real-yield mechanics, a post-launch price target of $0.375 could be within reach. That would translate into an impressive 18.75× return, turning a $2,000 investment into $37,500, showcasing the upside of entering innovative DeFi projects early.
In a market where Ethereum’s network costs are driving users away from Layer 1, Mutuum Finance (MUTM) is poised to capture this demand by offering a reliable, scalable, and rewarding lending platform.
For investors looking to buy into a DeFi project with strong fundamentals, real yield mechanics, and an imminent price increase, MUTM at $0.03 represents one of the most compelling opportunities left this July.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
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