In 2018, Chainlink (LINK) quietly emerged with a promise to revolutionize decentralized data transfer. While the vision was compelling, adoption was slow and utility was still theoretical. Fast forward to today, and a new project, Mutuum Finance (MUTM), is making waves before even hitting the open market—already attracting over 14,800 holders and securing more than $14.10 million in its presale. Unlike LINK in its infancy, Mutuum Finance (MUTM) is entering the scene with a functioning dual-model lending framework, a thriving community, and a token still priced at just $0.035 during Phase 6. For those who missed LINK under $1, this may be the best second chance at a foundational crypto opportunity.
A Dual Lending Model Built for DeFi’s Future
Mutuum Finance (MUTM) is not trying to reinvent lending; it is redefining its execution. The project is being designed to revolve around two distinct lending mechanisms—Peer-to-Contract (P2C) and Peer-to-Peer (P2P)—each designed to serve different market needs while remaining part of the same ecosystem.
The P2C model will offer a smart-contract-based experience that prioritizes blue-chip and stable assets. Users will be able to deposit major cryptocurrencies like AVAX, ETH, and USDT into audited smart contract pools and, in return, will receive mtTokens in 1:1, which will track their share and compound interest. For instance, a user who lends $12,000 in AVAX at a 9.6% APY will earn $1,152 per year in passive income. These mtTokens will not only appreciate in value with accrued yield, but will also serve as collateral, giving lenders dual utility for their capital.
On the borrowing side, users will unlock stablecoin liquidity without giving up exposure to long-term price growth of their blue-chip holdings. Someone who deposits $4,000 worth of XRP into the protocol will be able to borrow $2,600 in stablecoins, based on a 65% Loan-to-Value (LTV) ratio. This will create a new dynamic where users maintain upside exposure while still accessing liquid capital—ideal for trading, yield farming, or covering real-world expenses.
For riskier, more volatile assets such as meme tokens—think DOGE, SHIB, or PEPE—the platform will introduce a separate P2P lending layer. This structure will isolate unstable tokens from the main liquidity pools, protecting P2C participants from unwanted volatility. In this format, borrowers and lenders will negotiate terms directly, setting interest rates, repayment periods, and collateral preferences through smart contracts. The absence of pooled risk will empower both parties with control and the potential for significantly higher yields, especially for those willing to back less liquid assets.
Safety will remain a focal point across both models. Every loan will need to be overcollateralized and backed by a Stability Factor that will determine the health of the collateral. If a borrower’s position weakens, the protocol will initiate liquidation, allowing third-party liquidators to purchase the debt at a discount while maintaining solvency throughout the system.
Presale Surge, Institutional-Level Security, and an Imminent Price Hike
Mutuum Finance (MUTM) is in the middle of its presale Phase 6, currently priced at $0.035 per token with 10% of the phase already sold. This price is not expected to last. Once this phase concludes, the token price will rise by 15% to $0.040, marking the final opportunity to acquire MUTM tokens at the current discounted rate. With over 12,000 followers on Twitter and increasing traction daily, early adopters are flocking to the project not just for the potential upside, but also for its deep foundation.
The platform has undergone an extensive CertiK audit with a Token Scan Score of 95.00 and a Skynet Score of 78.00, verifying both its contract integrity and ongoing monitoring standards. For further assurance, a $50,000 bug bounty is in place, with reward tiers going as high as $2,000 for critical issues and scaling down to $200 for low-severity findings. These programs help ensure the protocol is battle-tested before its mainnet goes live.
Additionally, a $100,000 giveaway is actively rewarding early believers, with ten winners receiving $10,000 worth of MUTM tokens each. These types of community-centered initiatives are helping to build a loyal holder base and generate organic growth. Notably, users who swapped their BTC, SOL, or ETH in Phase 1 when the price was just $0.01 have already achieved 250% gains at the current rate—well before the token even lists publicly at its projected launch price of $0.06. The post-listing outlook targets exponential growth, with expectations bolstered by the upcoming beta release and potential listings on top-tier exchanges such as Binance, MEXC, and Coinbase.
This momentum mirrors what LINK lacked in its early days—structured infrastructure, user utility, and measurable adoption. With more users interacting with the platform once it launches, and growing interest from centralized exchanges, market demand is expected to surge rapidly. For anyone who missed Chainlink (LINK)’s launch, Mutuum Finance (MUTM) is building to present a rare second chance—one that is still early, still affordable, and, perhaps most importantly, already far more developed.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses.
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