Toncoin (TON) Grows 40% After Telegram Hype, but This Lending Protocol Quietly Raised Over $10.8M

While Toncoin (TON) has surged 40% following a wave of Telegram-driven enthusiasm, experienced crypto investors are increasingly seeking value beyond viral trends. One decentralized finance project—Mutuum Finance (MUTM)—is showing signs of long-term strength, despite staying under the mainstream radar. The project has quietly raised over $10.8 million in its ongoing presale, backed not by social media buzz, but by a clearly defined roadmap, real utility, and working mechanisms that will serve both passive and active investors. Unlike TON’s speculative price action, Mutuum Finance (MUTM) is building a robust lending protocol that combines both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) mechanisms, alongside plans to launch its own overcollateralized stablecoin and Layer-2 infrastructure. Investors are taking notice of this fundamentals-first approach, especially as Mutuum moves closer to its beta launch and exchange listings. Layer-2 Speed and Stablecoin Utility Will Transform the Protocol Mutuum Finance (MUTM) is actively developing with Layer-2 integration in mind, ensuring that transactions will remain both fast and affordable even during periods of high network congestion. This enhancement is expected to significantly improve usability compared to older DeFi protocols that often struggle with high fees and slow confirmations. As the platform matures, Layer-2 support will give users a seamless experience when lending, borrowing, or staking mtTokens on-chain. In addition to its lending functionality, Mutuum Finance (MUTM) is building a decentralized, fully overcollateralized stablecoin pegged to $1. This stablecoin will be minted directly when users deposit collateral—such as ETH or BTC—and will be burned when debt is repaid or liquidated. Interest payments on these loans will be directed to Mutuum’s treasury rather than centralized issuers, supporting the project’s self-sustaining model. Unlike traditional stablecoins governed by external market dynamics, Mutuum’s version will rely on protocol-governed interest rates. This algorithmic control will allow the platform to increase or decrease borrowing rates to maintain the $1 peg, ensuring both price stability and systemic health. Only approved issuers will be able to mint the stablecoin, and every issuance will be tightly capped, enforcing responsible growth through transparent, on-chain controls. Arbitrage mechanics will also help maintain the peg. For example, if the stablecoin trades above $1, users will be incentivized to mint and sell at a premium. Conversely, if the price drops below $1, borrowers will buy it at a discount and repay debt, tightening the circulating supply. This self-correcting loop will be key to long-term stablecoin viability, all without requiring fiat backing or custodial trust. Lending, mtTokens, and Real Passive Income—Not Hype At its core, Mutuum Finance (MUTM) is a decentralized lending protocol that allows users to participate as lenders, borrowers, or liquidators. In the Peer-to-Contract (P2C) model, users will deposit assets like USDC, ETH, BNB, or AVAX into a shared pool. Interest rates in this system will rise or fall automatically based on pool utilization. Higher usage will increase APY for depositors, drawing in more capital and rewarding participation with real income—unlike staking systems that rely solely on token emissions. Users will receive mtTokens, a tokenized representation of their stake in the pool. These mtTokens will accrue value over time, making it possible to track earnings and even use them as collateral or for staking to earn passive dividends. A portion of the protocol’s revenue will be used to buy back MUTM tokens and distribute them to mtToken stakers, offering a second layer of consistent, protocol-driven rewards. For more active participants, the Peer-to-Peer (P2P) model will offer customized lending terms. Users will be able to offer or request loans in various tokens—including volatile assets like PEPE, DOGE, or SHIB—on their own terms. This flexibility will give experienced DeFi users the ability to optimize returns or access liquidity on more favorable timelines. The CertiK audit, initiated with a token scan score of 80, adds another layer of credibility to the project. Conducted through both manual review and static analysis, the audit helps verify that Mutuum Finance (MUTM) is being developed with serious attention to safety and best practices. Combined with its upcoming beta launch, Layer-2 infrastructure, and stablecoin issuance, this level of diligence is creating deep confidence among those following the project’s progress. From $0.03 to a 25x Upside? The Numbers Behind the Growth The presale for Mutuum Finance (MUTM) is currently in Phase 5, with tokens priced at $0.03 and over $10.8 million already raised from more than 12,250 holders. Investors looking at long-term value are using this entry price to position themselves ahead of key developments like the beta platform release, exchange listings, and the full integration of the stablecoin and Layer-2 capabilities. Let’s break that down with a simple example. A $2,000 investment at the current price of $0.03 secures around 66,666 MUTM tokens. At a future valuation of $0.75—a realistic 25x return—that initial investment would grow to $50,000. Unlike tokens driven by media exposure alone, MUTM’s utility-based framework gives stronger weight to this growth trajectory. The protocol is expected to benefit directly from increased lending activity, and staking participation, all of which feed value back to the token via buybacks and dividends. As part of its roadmap, Mutuum Finance (MUTM) is preparing to launch the beta version of its protocol by the time the token lists publicly. Investors participating in the presale will likely enter ahead of this critical milestone, benefiting from early exposure to the platform’s real-world mechanics. The project is also running a $100,000 giveaway campaign to reward its growing community and expand reach in anticipation of wider adoption. For those watching the market closely, now is the time to look beyond momentary pumps and consider the protocols building for scalability, real income, and financial transparency. Mutuum Finance (MUTM) is checking every box—and doing it without the noise. 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 Toncoin (TON) Grows 40% After Telegram Hype, but This Lending Protocol Quietly Raised Over $10.8M appeared first on Times Tabloid .

Source: TimesTabloid