Top crypto picks before summer ends — BTC and this $0.03 lending gem lead

Bitcoin (BTC) has once again reaffirmed its role as the market’s compass. Its recent price action, steady dominance, and massive institutional inflows through ETFs have reignited investor enthusiasm. BTC’s strong position continues to draw both long-term holders and new capital, positioning it as a reliable store of value in a volatile market. But while Bitcoin (BTC) leads the legacy charge, a newer player is catching serious attention— Mutuum Finance (MUTM) , a DeFi protocol with regulatory clarity, real utility, and impressive presale traction. At just $0.03 with over $10.8 million already raised and more than 12,200 holders onboard, Mutuum Finance (MUTM) is emerging as a powerful alternative for investors looking beyond the familiar giants. Mutuum Finance (MUTM) is turning heads with real utility and low entry price Mutuum Finance (MUTM) is preparing to reshape the lending space through its decentralized, non-custodial protocol. At its core, it will offer two unique methods for passive income generation—Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. These systems will let users earn interest by either depositing assets like USDC, ETH, and BNB into liquidity pools or by directly lending to others with custom terms. While the P2C model uses smart contract pools with dynamic interest rates that adjust based on usage, the P2P model allows users to negotiate terms directly, even for assets like PEPE or DOGE that most platforms ignore. When users deposit into the pools, they receive mtTokens—a key part of Mutuum’s mechanics. These tokenized representations of your deposit not only reflect your share of the pool but also accrue interest in real-time. As pool utilization increases, interest rates follow suit, resulting in higher earnings. For example, someone who deposits $5,000 worth of ETH into the protocol will receive mtTokens in 1:1. As borrowers tap into the pool, the interest paid by them will flow back to the depositor, increasing the value of those mtTokens over time. This model transforms idle crypto into a reliable earning tool. And unlike many DeFi systems that impose rigid deposit requirements, Mutuum Finance (MUTM) allows flexible deposits with no strict minimum or maximum caps. Assets will be secured in smart contracts only you can control, ensuring full transparency and decentralization. The MUTM token itself adds even more value to this ecosystem. With a total supply of 4 billion and a current price of $0.03, it offers a low-cost entry with considerable room to grow. Users who stake their mtTokens in the designated contracts will become eligible for passive MUTM dividends, funded by the protocol’s buybacks from its revenue streams. This structure creates a closed-loop system where protocol success directly rewards users. With plans to integrate Layer-2 scaling, Mutuum Finance (MUTM) is addressing DeFi’s biggest pain points: high fees and slow transactions. Layer-2 compatibility means faster execution, lower costs, and a smoother user experience across the board. This technical backbone positions Mutuum as a serious player in the evolution of DeFi lending. New features drive urgency — $100K giveaway and beta launch are on the horizon Beyond its lending model, Mutuum Finance (MUTM) is actively building user engagement through upcoming features. A $100K giveaway is already underway, giving new users a reason to join early. The protocol also includes an AI-powered helpdesk to support users with real-time guidance, removing a major hurdle for newcomers unfamiliar with DeFi. The development team has confirmed that the beta version of the platform is expected to launch around the time of MUTM’s public listing. This aligns with its roadmap and reflects the transparency and planning that have earned the trust of thousands of early participants. Further reinforcing its credibility is Mutuum Finance (MUTM)’s execution of a full audit by CertiK, a top-tier blockchain security firm. The audit process included static and manual analysis, and the protocol scored 80.00—a solid rating that highlights its focus on risk mitigation and platform integrity. With this level of scrutiny already behind it, investors can approach with more confidence in the code and compliance. Mutuum’s lending model will allow users to repay loans at any time, with no set expiration—so long as their collateral remains sufficient. That flexibility is valuable for traders who want to borrow against ETH or BTC without triggering taxable events or sacrificing long-term positions. Rather than selling assets to raise funds, users will be able to borrow stablecoins and deploy them elsewhere—while retaining their crypto exposure. This opens up strategic use cases like leverage, yield farming, and hedging without losing the core investment. Final word: BTC is the standard, but MUTM may lead the summer surge Bitcoin (BTC) remains the benchmark in crypto, but summer 2025 will be remembered for the emergence of the next class of utility-driven DeFi projects. Mutuum Finance (MUTM), priced at just $0.03, is standing out as a leader in that group. Its combination of pool-based lending, direct peer lending, overcollateralized borrowing, passive mtToken earnings, Layer-2 speed, and dividend rewards forms a complete financial toolkit for users to earn, borrow, and grow on-chain. For those still on the sidelines, now is the moment to engage. With more than $10.8 million raised so far in its presale and a clear roadmap toward public launch and exchange listing, Mutuum Finance (MUTM) is gaining momentum fast. As the market looks for the next standout after Bitcoin (BTC)’s rally, MUTM is proving that innovation, transparency, and earnings potential are what separate the future leaders from the rest. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Top crypto picks before summer ends — BTC and this $0.03 lending gem lead appeared first on Invezz

Source: Invezz