PayPal has officially integrated its stablecoin, PYUSD, with the Stellar (XLM) blockchain. This step strengthens PayPal’s strategy to support faster and more cost-efficient payments using blockchain technology. Expanding beyond Ethereum, the addition of Stellar (XLM) brings broader accessibility and marks a clear move toward cross-chain adoption. While this development confirms that legacy fintech is embracing crypto infrastructure, it still focuses on underlying rails rather than end-user functionality.

In contrast, crypto-native investors are giving their attention to projects that are building real, usable systems. Among these, Mutuum Finance (MUTM) stands out for preparing a full beta release with live backend, smart contracts, and a working interface. Unlike many early-stage protocols, Mutuum isn’t positioning itself as a long-term vision—it is preparing to deliver a usable platform at token go-live, offering traders direct access to its decentralized lending and earning ecosystem.

A lending ecosystem designed for real utility

Mutuum Finance (MUTM) is being built to offer decentralized borrowing and lending, where users will be able to lock their digital assets as collateral and borrow stablecoins without selling those assets. This setup allows users to stay exposed to future price increases of tokens like ETH while accessing liquidity for other needs. There will be no fixed repayment deadline; users will be free to close their positions at any time as long as they maintain sufficient collateral coverage.

All borrowing will be overcollateralized and automatically monitored through smart contracts. In case of falling collateral value, the system will trigger liquidation to protect the protocol and maintain solvency. Borrowers will also benefit from strategic flexibility—whether to cover short-term expenses, reinvest elsewhere, or amplify positions in other protocols—without giving up asset ownership.

Mutuum’s design will allow borrowers to stay in control while accessing capital, making it attractive for traders who require flexibility without compromising long-term positions.

mtTokens: Earning while staying liquid

One of Mutuum Finance (MUTM)’s key components will be mtTokens—tokenized receipts representing deposits into Mutuum’s liquidity pools. When users deposit assets like ETH or DAI, they will receive mtTokens that automatically increase in value over time, reflecting interest earned from borrower activity. These mtTokens can be sold, staked for protocol dividends, or reused across other DeFi platforms.

This mechanism will give liquidity providers continued access to their capital, even as it’s being used in the system. Rather than locking up assets in inaccessible pools, depositors will hold liquid, yield-generating tokens that reflect both principal and real-time earnings. This aligns with the broader DeFi trend toward composability and capital efficiency—qualities that Mutuum is building directly into its core.

Stablecoin design with protocol-level control

Mutuum Finance (MUTM) also plans to introduce its own decentralized stablecoin, which will only be created when users borrow against approved collateral. This stablecoin will always aim to maintain a $1 peg, using a combination of interest rate governance and arbitrage incentives. The system’s governance will manage borrowing rates to stabilize the coin’s value—raising rates when it dips below $1 and lowering them if it climbs above.

Only authorized smart contracts or issuers will be allowed to mint the stablecoin, and each issuer will have predefined limits to manage risk. The stablecoin will be removed from circulation (burned) when loans are repaid or liquidated. This model avoids unnecessary inflation and ensures the stablecoin is only created when backed by actual collateral.

Unlike floating-rate protocols that rely on external demand to adjust interest, Mutuum will actively manage borrowing costs to keep the stablecoin stable. Combined with real-time liquidation, overcollateralization, and arbitrage opportunities, this system is designed to remain balanced across various market conditions.

Why traders are leaning toward Mutuum

While PayPal’s expansion of PYUSD adds legitimacy to the use of blockchain in traditional payments, traders are paying closer attention to what’s being built for immediate DeFi use. Mutuum Finance (MUTM) isn’t just a token sale—it is laying out a functioning system with backend infrastructure, lending mechanics, interest-earning tokens, and real-time risk controls.

The project has already raised over $11.3 million in its ongoing presale and gathered a community of more than 12,600 holders, supported by a CertiK audit with a Token Scan Score of 95.00 and a Skynet Score of 72.38. These figures signal technical reliability and a growing user base ready to engage with the beta version once launched.

Mutuum is also preparing a passive dividend system, where a portion of protocol revenue will be used to buy back MUTM tokens and distribute them to users who stake mtTokens in designated contracts. This adds a clear incentive for long-term participation and aligns rewards with ecosystem growth.

As legacy players like PayPal continue to expand foundational infrastructure, protocols like Mutuum Finance (MUTM) are building usable DeFi tools that offer earning potential and real ownership control. With its beta platform expected to go live soon, smart capital is already positioning itself for early exposure to a system designed for active use, not just speculation.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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