Best summer DeFi pick, Toncoin holds, while a hidden gem eyes 20X growth

While Toncoin (TON) remains stagnant, attention is rapidly shifting toward a high-performing underdog in the DeFi sector— Mutuum Finance (MUTM) . With over $11.70 million already raised and more than 60% of Phase 5 sold out, this project is gaining ground at lightning speed. Investors who spotted the momentum early are already seeing gains, and many expect a 20x upside in a very short time. With just six rounds remaining before its launch price of $0.06, the $0.03 entry is looking like a major steal. As other tokens flatline in the summer heat, Mutuum Finance (MUTM) is becoming the go-to pick for both serious passive income seekers and long-term capital growth believers. The growing attention isn’t random. One wallet alone moved $7,500 during Phase 3 at a price of $0.02 per MUTM, acquiring 375,000 tokens. At a projected 20X post-launch—based on the $0.06 listing price and real DeFi utility—that holding will soon be worth $150,000, turning a simple early presale entry into a six-figure success. But it’s not just the price movement drawing capital—it’s the well-structured roadmap, the technical architecture, and the reward systems that position Mutuum as a DeFi protocol to watch throughout Q3 and beyond. Mutuum’s passive income engine is built for the long haul Unlike many hyped DeFi tokens, Mutuum Finance (MUTM) delivers real yield through actual on-chain activity. At its core, the protocol offers two distinct lending tracks. The P2C (peer-to-contract) system gives users the ability to passively earn interest by supplying stablecoins or top-tier assets into smart contracts. These assets are pooled and made available to overcollateralized borrowers, with interest rates adjusting dynamically based on utilization. This model generates ongoing income, and depositors receive mtTokens—ERC-20 compliant tokens that grow in value automatically as interest accrues. Here’s where the numbers speak louder than speculation. A user who deposits $5,000 worth of USDT into a P2C pool will receive mtUSDT in 1:1, which tracks their deposit and interest in real time. At an average APY of 17%, that one decision results in a passive income of $850 by year-end—without needing to manage trades or chase market timing. The mtToken system isn’t just a vehicle for yield—it also serves as an access point for further leverage and collateral strategies. Users can stake their mtTokens in designated contracts to become eligible for MUTM token dividends. These dividends are distributed through scheduled buybacks funded by the protocol’s revenue, meaning that consistent contributors earn not just interest, but also additional MUTM on top. An investor who stakes early is already positioning themselves for layered returns, and those who wait until the price jumps to $0.035 in Phase 6 will be buying at a higher entry with reduced upside. At the current price of $0.03, a $5,000 investment in Mutuum Finance (MUTM) will transform into $100,000 once the token hits a 20X mark—matching the projections many whales are targeting in a short time. The roadmap points to delivery, not promises Mutuum’s roadmap isn’t designed for hype—it’s designed for delivery. By the time the token lists, the team plans to release a functional beta version of the platform. This will mark a critical milestone in transforming a token sale into a working DeFi product. The technical framework has been designed with Layer-2 integration in mind, which means the platform will offer faster and cheaper transactions compared to legacy Layer-1 systems. Lower gas fees and smoother user experiences are essential in attracting users who want efficiency without compromise. One of the biggest differentiators is the introduction of a decentralized stablecoin—one that’s only minted when users post overcollateralized assets. This stablecoin won’t fluctuate wildly because its interest rate will be governed with a price-pegging strategy, adjusting based on market conditions to ensure it stays close to $1. And unlike conventional algorithmic models, minting rights are restricted to approved smart contracts and issuers, each with set mint limits, safeguarding the protocol from overexposure and uncontrolled expansion. To further secure the protocol, Mutuum Finance (MUTM) has partnered with CertiK for a professional audit, earning a high Token Scan score of 95. A $50,000 bug bounty has also been announced, rewarding white hats who help strengthen the system. On top of that, an ongoing $100,000 giveaway is turning heads, with ten winners each expected to receive $10,000 worth of MUTM. These campaigns are part of the project’s aggressive rollout strategy and a clear signal that the team is focused on rewarding early believers before the protocol fully launches. MUTM currently sits in Phase 5, priced at $0.03, with four more price increases scheduled until the final presale ends. Once Phase 6 opens, the cost will jump to $0.035, and the value gap between early and late buyers will start widening quickly. Toncoin (TON) may still be trending, but it isn’t showing the 20x potential or the passive income pathways Mutuum Finance (MUTM) offers. Smart capital is already flowing in. The question is whether you’ll get in at $0.03—or be one of those watching from the sidelines when others are cashing in. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Best summer DeFi pick, Toncoin holds, while a hidden gem eyes 20X growth appeared first on Invezz

Source: Invezz