A Rising DeFi Gem Hits 12K Holders—As Ethereum (ETH) Nears $2,800, It’s Turning Heads

Ethereum (ETH) is once again closing in on the $2,800 mark, reviving interest across the entire DeFi arena. But as eyes lock on ETH’s slow march upward, a new DeFi project is quietly making noise of its own. Mutuum Finance (MUTM) , a decentralized lending protocol still in presale, has now surpassed 12,200 holders and raised over $10.8 million in its fifth presale phase—at just $0.03 per token. While ETH dominates headlines, Mutuum Finance (MUTM) is drawing attention as the DeFi divergence pick with real earning potential, passive income systems, and unmatched tokenomics. Mutuum Finance (MUTM) is not trying to compete with Ethereum, but rather to complement its role in the DeFi ecosystem. The protocol is being built as a non-custodial, decentralized platform that allows lenders to deposit assets like ETH, DAI, or AVAX and earn interest on them. Unlike traditional lending systems, interest rates on Mutuum Finance (MUTM) adjust automatically based on the utilization of liquidity pools. When more borrowers take loans from a pool, interest rates rise. That, in turn, attracts new lenders who want to benefit from the higher earnings. The system is dynamic, responsive to market behavior, and designed to self-regulate. What sets Mutuum Finance (MUTM) apart is its unique approach to liquidity and passive income through a powerful mechanism: mtTokens. When someone deposits an asset into one of Mutuum’s liquidity pools, they receive mtTokens in return. These tokens represent the depositor’s original assets and the interest that builds over time. For example, depositing 5 ETH will result in the user receiving 5 mtETH. These mtTokens automatically grow in value as interest accrues, and users can hold, trade, or even use them as collateral within the same ecosystem. A New Class of Passive Crypto Earnings Emerges While Ethereum (ETH) has solidified its reputation as the base layer for DeFi, its core utility remains infrastructure. On the other hand, Mutuum Finance (MUTM) is creating actual earning opportunities for its users through both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models. In the P2C model, users supply assets to a communal pool and earn yield based on borrower activity. In the P2P model, users can negotiate direct loans with custom terms, offering more tailored agreements. This versatility opens the door to higher earning opportunities while still retaining the core principle of safety through over-collateralization. Depositors will always maintain control of their assets through non-custodial smart contracts, which they can exit from at any time, assuming enough liquidity remains in the pool. Importantly, these smart contracts are audited, with a CertiK Token Scan Score of 80.00 following a detailed review and static analysis. Mutuum Finance (MUTM) will also introduce a powerful incentive system for long-term users. The protocol plans to use a portion of its revenue to buy back MUTM tokens on the open market. Those purchased tokens will then be sent to safety-module participants who stake mtTokens in designated contracts. This strategy not only rewards loyal participants but also adds consistent buying pressure on the token—strengthening both its demand and price stability. To illustrate the earning power at today’s presale level, consider this example: an investor who allocates $2,500 into Mutuum Finance (MUTM) at the current price of $0.03 will receive 83,333 MUTM tokens. Once the project lists at $0.06, this same investment will already have doubled. But if the token rises 25x, which is not unrealistic considering its extensive use case and revenue model, those tokens will be worth $62,500. This kind of return is exactly why investors are watching the presale window closely—because early entry matters, and utility tokens like MUTM offer more than just speculative upside. Beyond this, Mutuum Finance (MUTM) is also planning to launch a decentralized, overcollateralized stablecoin that will be backed entirely by the protocol’s on-chain assets. Unlike stablecoins pegged by centralized fiat reserves, this one will be algorithmically minted, allowing full transparency and real-time solvency. All interest paid by borrowers using the stablecoin will loop back into the protocol’s treasury, reinforcing ecosystem value and enhancing passive income potential for users. Beta Launch on the Horizon as Layer-2 Drives Performance In preparation for launch, the Mutuum Finance (MUTM) development team has committed to a Layer-2 infrastructure, which will make transactions faster and more cost-efficient compared to traditional DeFi platforms. This decision directly addresses common bottlenecks like network congestion and high gas fees, which have held back user adoption on Ethereum-based protocols. The result will be a smoother, cheaper experience for both lending and borrowing activities—crucial to attracting consistent user engagement. According to the official roadmap, Mutuum Finance (MUTM) is planning to launch a beta version of the platform at the time of token launch. That means investors participating in Phase 5 of the presale today won’t be left waiting months or years to see the protocol in action. Real features will go live quickly, with lending, borrowing, staking, and passive earning options accessible from day one for testing. Adding to the current momentum is Mutuum Finance (MUTM)’s $100,000 giveaway campaign, which is driving new holders into the ecosystem and accelerating social engagement. The team is actively investing in its community, marketing presence, and liquidity expansion strategies. With over 4 billion tokens in total supply and a growing base of more than 12,200 holders, Mutuum Finance (MUTM) has already demonstrated strong traction before hitting public exchanges. As the presale progresses and more features prepare for launch, the window to buy into this rising DeFi project at $0.03 is narrowing. The token’s planned listing price is $0.06, and expectations surrounding its DeFi utility, revenue generation, staking model, and stablecoin development are already turning heads. For those watching closely, Mutuum Finance (MUTM) isn’t just another altcoin—it’s shaping up to be a cornerstone of the next wave of decentralized finance. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://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. The post A Rising DeFi Gem Hits 12K Holders—As Ethereum (ETH) Nears $2,800, It’s Turning Heads appeared first on Times Tabloid .

Source: TimesTabloid