With more investors exploring decentralized finance (DeFi) as an alternative to traditional markets, projects that offer real utility, transparent systems, and low barriers to entry are gaining attention. One name that continues to stand out is Mutuum Finance (MUTM) — a protocol that combines passive income potential with flexible borrowing features, all while still trading at just $0.025 during its ongoing presale.

While other DeFi tokens have already priced in speculative interest, MUTM offers something different: a grounded model, clear revenue flow, and metrics that make sense for both cautious and active participants. As newcomers enter the space, the appeal of a low entry point tied to actual DeFi mechanics is becoming hard to ignore.

Mutuum’s DeFi model — Lending with real yield

At the core of Mutuum Finance is a non-custodial lending and borrowing platform, where users can either earn interest by supplying liquidity or borrow assets using their crypto as collateral. The system supports both pooled lending (Peer-to-Contract) and direct loan agreements (Peer-to-Peer), offering flexibility for a wide range of users.

To show the earning potential, let’s consider a simple example. Suppose a user supplies $10,000 worth of ETH to one of Mutuum’s lending pools. If the average APY is 15%, that deposit would generate around $1,500 in passive income over the course of a year — all while the user retains full exposure to the underlying asset. The funds never leave the protocol and remain in the user’s control, backed by audited smart contracts that ensure transparency.

This kind of predictable, on-chain yield is what many DeFi investors are now prioritizing, especially as they move away from projects with overpromised rewards or unsustainable token emissions.

Borrowing without selling your assets

On the other side of the equation, Mutuum allows users to borrow against their holdings instead of selling them outright. For example, someone holding ETH may not want to liquidate during a dip, expecting a rebound. By depositing that ETH as collateral, they can borrow stablecoins or other supported assets, fund short-term needs, or even reinvest elsewhere — all while retaining upside exposure.

The protocol calculates borrowing limits through Loan-to-Value (LTV) ratios, ensuring that every loan is backed securely. As long as users stay above the required collateral threshold, they can manage their loans on their own terms, with no fixed repayment schedule.

Mutuum Finance is currently in its fourth presale phase, with the token priced at $0.025. So far, the project has raised over $6.4 million and attracted 8,000+ holders, many of whom are entering because of the project’s functional design and the real-world use cases it brings to DeFi.

The next presale phase will push the token to $0.03, meaning this may be one of the final windows to enter before the price surges and Phase 5 begins. Early supporters are also expecting a beta platform launch near the token release, giving them a chance to interact with the core features right from the start.

To boost visibility and reward early participants, the Mutuum team has also announced a $100,000 giveaway. The prize pool will be split among 10 winners, creating an extra layer of incentive for those who get involved before the token goes live. It’s a community-focused campaign that’s helped drive momentum while introducing more users to the platform.

Mutuum Finance stands out not just because of its token price, but because of what it’s building: a real, transparent DeFi tool that makes sense for both seasoned crypto users and newcomers. With flexible lending, responsible borrowing, an upcoming stablecoin, and ongoing community growth, the fundamentals are clear.

As more users explore DeFi for the first time, protocols like Mutuum — with real use, sustainable yield, and accessible entry — are starting to look like smart long-term plays.

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

Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance

DISCLAIMER – “Views Expressed Disclaimer: This article is not financial advice. Cryptocurrencies are volatile and unpredictable. Due diligence and caution are paramount. Views and opinions expressed are those of the authors and do not reflect the official position of any other author, agency, organization, employer or company, including NEO CYMED PUBLISHING LIMITED, which is the publishing company performing under the name Cyprus-Mail…more