Smart investors’ summer pick? This $0.03 coin could outpace Solana

While early Solana (SOL) adopters benefited from its superior scalability and smart infrastructure, investors in 2025 are watching a new DeFi contender with similar momentum—Mutuum Finance (MUTM). Priced at just $0.03 in its fifth presale phase, Mutuum Finance (MUTM) is drawing attention for more than just its low market cap. With over $11.2 million raised and 50% of Phase 5 already sold out, it is quickly becoming the breakout crypto of the summer. What sets Mutuum Finance (MUTM) apart is a roadmap built on real functionality. From its dual lending models to its audited smart contracts, Layer-2 integration, and soon-to-launch beta platform, the project is stacking real utility that early-stage investors won’t want to miss. The current $0.03 entry point won’t last long—the next price increase will trigger with the start of Phase 6. A cluster of early adopters from the Solana (SOL) ecosystem redirected 250K USDC into MUTM recently, citing unfulfilled DeFi potential on SOL. Their thesis: MUTM’s borrower-driven model with mtTokens is much more scalable. They anticipate the token will hit $0.60 once beta and exchanges are in place, giving them nearly 1,900% returns. This isn’t hype—it’s a reallocation of belief and capital. Infrastructure that builds long-term value Mutuum Finance (MUTM) is creating a decentralized lending protocol with two lending mechanisms: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). These models are designed to support different asset types and risk preferences while giving users flexible borrowing options. In P2C mode, users will supply capital to liquidity pools via audited smart contracts. Borrowers will tap into this liquidity by overcollateralizing their requests using assets like ETH, BTC, or USDT, and choose between variable or stable rates. As a result, users will be able to borrow without selling their long-term holdings—and repay anytime without penalty. The P2P option will allow direct lending between users, particularly for less liquid assets like meme coins. Terms such as rates, duration, and even partial fills will be fully customizable. This design will allow Mutuum to support high-yield strategies without compromising the safety of its core lending pools. To enhance capital efficiency, all depositors will receive mtTokens. These tokens will represent the deposited value plus interest, and they will grow in real-time based on pool activity. Users will also be able to stake mtTokens in the designated contracts to receive passive dividends from future protocol revenue. A portion of income generated will be used to buy MUTM tokens from the open market and distribute them to stakers—creating a reliable and sustainable income stream. The protocol is also integrating a Layer-2 network to deliver faster, low-cost transactions. This scalability layer will enable micro-lending, making borrowing and lending accessible for users with smaller positions who would otherwise be priced out by gas fees. Combined with the upcoming release of Mutuum’s beta platform at launch, this system will give holders immediate access to test the core features. A roadmap ready for execution—and big rewards Mutuum Finance (MUTM) is not just promising innovation—it’s delivering on it with a structured rollout plan. The project has already initiated its smart contract audit with CertiK, earning a Skynet Score of 76.50 and a Token Scan Score of 95.00. A legal team, education platform, and compliance infrastructure are also scheduled to follow. Mutuum will also introduce its own overcollateralized stablecoin, which will only be minted against ETH and similar assets. This stablecoin will use a governance-managed interest rate system and arbitrage incentives to maintain its peg near $1. The mint-and-burn mechanism ensures supply remains tightly regulated, and liquidation protocols will protect the ecosystem from undercollateralized loans. The platform has also confirmed there will be no fixed loan durations. Users will control the timing of repayments and can retrieve their collateral whenever they choose, as long as it remains above the liquidation threshold. This opens the door to a range of financial strategies—whether users want to free up liquidity for new investments or retain exposure to their long-term assets. With more than 12,450 holders already onboard and an active community building on social media, both retail and institutional players are paying attention. The project’s $100K giveaway is currently live, with ten winners set to receive $10,000 worth of MUTM tokens each. This campaign is driving momentum, rewarding early believers ahead of the beta platform rollout. The window to enter at the $0.03 price level is closing. Once Phase 5 completes, prices will rise to $0.035 in Phase 6. For anyone looking to turn $6,000 into $120,000 at a 20x return, now is the final chance to secure that upside. With real features launching, protocol revenue sharing, and a deep lending infrastructure, Mutuum Finance (MUTM) is tracking toward a growth trajectory that may rival early SOL’s run. Smart investors aren’t waiting. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Smart investors’ summer pick? This $0.03 coin could outpace Solana appeared first on Invezz

Source: Invezz