This $0.03 coin could be the summer 10x sleeper that replaces XLM in top 30

As attention shifts toward undervalued crypto projects with real yield and on-chain functionality, one low-cap token is gaining momentum: Mutuum Finance (MUTM) . While Stellar (XLM) continues to focus on cross-border payments, its market position has barely moved in years. Meanwhile, Mutuum Finance (MUTM) is preparing to launch a Layer-2 powered lending protocol with features that go far beyond payments—offering overcollateralized loans, a decentralized stablecoin, and real-time passive income, all in one platform. With a current presale price of $0.03 and multiple phases ahead, MUTM is being eyed by investors aiming for a serious 10x return before the end of summer. Early investors who recognized the potential of Mutuum Finance (MUTM) in Phase 1 and Phase 2 aren’t just enjoying profits—they’re cementing long-term wealth. Buying at $0.01 and $0.015, they’ve already achieved 200% and 100% gains, respectively—and they haven’t even hit the listing yet. But here’s where the real urgency kicks in: by Phase 6, the price will climb to $0.035, and eventually hit $0.06 by Phase 11. That means if you’re still sitting on the fence, you’re about to start paying 100% more for the exact same token others bought for half the price. This is the kind of presale structure that weeds out doubters and rewards decisive action. The numbers don’t lie. If MUTM hits just $0.40 post-launch, Phase 1 buyers will see 3,900% gains, and even Phase 5 buyers stand to make over 1,200%. The difference? Belief backed by action—not hesitation. The question isn’t whether MUTM will go higher; it’s whether you’ll still be ahead of the curve when it does. Mutuum Finance (MUTM) The design of Mutuum Finance (MUTM) combines two powerful lending formats into one protocol. The P2C (peer-to-contract) model will allow users to deposit stablecoins or major crypto assets into audited smart contracts. These funds will then become available to borrowers who lock overcollateralized assets in return. Lenders will receive mtTokens, which will grow in value as interest accrues. Borrowers will be able to select either stable or variable interest rates, and all positions will remain active with no fixed repayment dates—as long as collateral remains sufficient. The second option is P2P (peer-to-peer) lending, which will cater to speculative assets like meme coins or low-liquidity tokens. Instead of a shared pool, lenders and borrowers will match directly and negotiate their own terms, including interest rates and partial fills. This setup will isolate volatility from the core system while offering higher potential returns for users willing to take on added risk. Together, these two models will serve everyone from stablecoin lenders to high-yield chasers—something Stellar (XLM) never built into its ecosystem. Unlike projects focused purely on one use case, Mutuum Finance (MUTM) is building a complete DeFi infrastructure. The protocol is being developed with Layer-2 integration, which will ensure fast and low-cost transactions. This design will address common DeFi issues like congestion and high gas fees, making the user experience more seamless than many current platforms. Additionally, all loans on Mutuum will be overcollateralized and subject to liquidation thresholds to maintain full solvency and protect against protocol-wide losses. MUTM token, stablecoin utility, and passive rewards system At the heart of this system will be the MUTM token. Currently in Phase 5 of its presale at just $0.03, over 50% of the available tokens have already been sold, with more than $11.2 million raised and 12,450+ holders. Future phases will raise the price incrementally, with Phase 6 set to begin at $0.035. That gives current buyers a rare advantage, particularly ahead of a planned beta platform release that is scheduled to go live by the time the token launches. Mutuum Finance (MUTM) is also building a decentralized stablecoin, which will only be minted when users borrow against major assets like ETH and burned when repaid or liquidated. Governance will oversee its interest rate, adjusting it to help keep the stablecoin close to $1. Arbitrage opportunities will support this stability as users buy or sell the token to profit from price fluctuations, helping keep it pegged. Unlike algorithmic stablecoins that rely on risky balancing mechanisms, this system is backed by actual collateral and hard-coded liquidation procedures. Passive income will be a central part of the protocol’s appeal. Those who stake their mtTokens into Mutuum’s contracts will receive dividends funded by periodic buybacks. The platform will use a portion of its revenue to purchase MUTM tokens from the market and distribute them to stakers, effectively rewarding long-term contributors. This structure creates a direct feedback loop between platform success and user profit—without relying on inflationary rewards. The project has undergone a full smart contract audit by CertiK, with a Skynet score of 76.50 and a Token Scan Score of 95.00, indicating a strong commitment to security and transparency. It has already executed key components of its early roadmap including presale initiation, external auditing, and the launch of a $100,000 giveaway , which will reward ten early supporters with $10,000 in MUTM tokens each. Future roadmap phases include the rollout of advanced analytics, a complete backend infrastructure, and eventual exchange listings. Unlike Stellar (XLM), which has stayed stagnant in terms of user functionality and yield mechanics, Mutuum Finance (MUTM) is shaping up to be one of the most versatile platforms in DeFi. With lending, borrowing, a real stablecoin, and protocol-owned rewards—all built with Layer-2 speed and on-chain transparency—MUTM is attracting serious capital and growing attention from presale buyers seeking a strategic 10x play. Summer is the perfect time for repositioning, and with presale Phase 5 already half sold out, the opportunity to get in at $0.03 is closing fast. Once the token moves into Phase 6, higher prices and reduced supply will set a new baseline. Stellar (XLM) may remain in the top 30 today, but with what Mutuum Finance (MUTM) is building, it won’t be long before a newer, more dynamic contender challenges its position. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post This $0.03 coin could be the summer 10x sleeper that replaces XLM in top 30 appeared first on Invezz

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