Bitcoin (BTC) has delivered long-term gains, but its growth rate in 2025 is sluggish compared to newer DeFi opportunities. While BTC crawls forward, one $0.03 DeFi token is pulling ahead with real earning mechanics and live ecosystem development—Mutuum Finance (MUTM). Designed for scalable, non-custodial lending, Mutuum Finance (MUTM) combines a dynamic interest protocol with a high-yield token model. At a time when BTC’s upside looks increasingly limited, early entry into MUTM offers far greater earning potential.

The protocol has already raised over $11.2 million and surpassed 12,450 holders, with Phase 5 now almost 50% sold out. Once the current presale stage ends, the price will move to $0.035 in the next phase—eliminating the last opportunity to buy MUTM at $0.03.

An investor allocating $4,500 at today’s $0.03 token price will secure 150,000 MUTM tokens. When the token hits a 20x growth target, that investment will be worth $90,000. This isn’t theoretical—it’s built into a model that actively rewards participation through interest payouts, mtToken appreciation, and platform revenue distribution.

Earn as the protocol grows: P2C lending explained

At the heart of Mutuum Finance (MUTM) is the Peer-to-Contract (P2C) lending model. This system allows users to deposit stablecoins or major crypto assets—such as USDT, ETH, BTC, or SOL—into smart contract-managed liquidity pools. As borrowers tap into these pools with overcollateralized positions, the usage rate of each pool increases. That usage drives up interest rates in real time, automatically rewarding depositors with higher returns.

This creates a system where capital naturally flows toward the most active pools, allowing lenders to benefit from demand pressure without needing to micromanage. The more borrowers enter a pool, the higher the return for lenders. This continuous adjustment makes P2C lending more efficient and more responsive than traditional DeFi models with fixed rates.

Users who deposit into these pools receive mtTokens, which not only track interest growth but can also be used as collateral across the platform. Since interest compounds as borrowing activity rises, mtTokens unlock an ecosystem of utility and rewards. Investors will be able to passively grow their holdings while retaining full control over withdrawals, subject to liquidity availability.

Final days at $0.03 — Beta launch and $100K giveaway incoming

The upcoming launch of Mutuum Finance (MUTM)’s beta version is timed to coincide with the token’s release. That means presale buyers will not have to wait to experience the platform—they’ll be able to deposit assets, earn interest, and stake mtTokens immediately upon mainnet activation. This launch approach supports instant utility and reinforces confidence that the platform’s token will not sit idle post-sale.

To further incentivize early participation, Mutuum Finance (MUTM) is hosting a $100,000 giveaway that will reward ten users with $10,000 worth of MUTM each. These rewards are set aside for those who enter before the protocol becomes fully operational, adding another reason to move early before presale allocations vanish.

With $11.2 million already raised and Phase 5 nearing 55% completion, time is running out. The next price jump to $0.035 is locked in for Phase 6. From there, the price will continue to rise until it reaches the final listing rate of $0.06. Buyers entering now are locking in not just a discount, but a position in a protocol that will begin generating returns the moment it goes live.

As Bitcoin (BTC) holders wait for slow, macro-driven movements, Mutuum Finance (MUTM) is positioning itself as the 20x altcoin to own this summer. Passive income, automated interest optimization, and a fully-integrated utility token all support one goal—real yield, delivered on-chain. The window to enter at $0.03 won’t last long.

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

Website: https://mutuum.com/

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