Top 3 BTC alternatives to grab in July, one still trading below $0.05 with serious upside

With staking rewards, mtTokens that auto-generate yield, and a $100K giveaway underway, this is not just another token—it’s a next-gen income machine backed by real DeFi mechanics and a full CertiK audit. Another promising contender is Toncoin (TON), the native asset of the Telegram-backed TON blockchain. It’s gaining momentum thanks to deep integration with social platforms, giving it mainstream exposure. But despite its user base, TON still lacks the income-driven architecture that makes MUTM more appealing for long-term holders. Finally, Injective (INJ) is gaining respect for its scalable Layer-1 infrastructure and on-chain finance tools. It’s strong on tech, but its value flow is still speculative. Compared to MUTM’s lending fees, buybacks, and treasury-backed stablecoin development, Injective looks more like a bet. Mutuum Finance (MUTM), however, looks like a blueprint. Where yield meets utility What separates Mutuum Finance (MUTM) from typical Bitcoin (BTC) alternatives is its focus on real-time, utility-driven revenue mechanics. The platform will enable users to lend major crypto assets into smart contract-powered liquidity pools using a system called P2C—Peer-to-Contract. Once launched, users who deposit assets will receive mtTokens that not only represent their original holdings but will also grow in value as interest accrues over time. These ERC-20 mtTokens will be stakeable within the designated contracts, adding a second layer of rewards, turning passive deposits into long-term, compounding income streams. Here’s what that could look like once the platform is live: a user supplies 4.5 ETH (around $11,250) into a high-utilization pool projected to earn 7.2% APY. That position alone would yield over $810 annually, with returns reflected directly in the increasing value of mtETH. Unlike legacy lending platforms that require manual re-depositing or lockups, Mutuum Finance (MUTM) is being designed with smart contract automation, allowing users to earn without additional steps. And because mtTokens will be fully tradable and stakeable, users will be able to maximize earnings across different layers of the protocol. This vision isn’t just for whales. Thanks to Layer-2 infrastructure and a non-custodial architecture, Mutuum Finance (MUTM) aims to make high-yield crypto lending accessible to all users, even those new to DeFi. The platform is being designed to remove complexity while enhancing transparency and control, allowing everyday users to put their assets to work in ways previously limited to institutional players. But not all risk appetites are the same, and that’s exactly where the upcoming Peer-to-Peer (P2P) engine will push Mutuum Finance (MUTM)’s offering even further. High-risk yield with full control Mutuum Finance (MUTM)’s P2P lending system is being developed for users who want to take calculated risks in exchange for higher returns. In this model, lenders and borrowers will be able to negotiate their own terms, from APY and loan duration to the collateral type. Rather than pooling funds, each loan agreement will be individually executed via smart contracts. This design prevents contagion and gives lenders the freedom to cherry-pick the deals that best fit their risk tolerance. A practical scenario: a user might lend 1,000 USDC to a borrower who posts worth of DOGE as collateral, agreeing to a 15% APY. The smart contract will lock in the terms and manage repayments, interest accrual, and automated liquidation if thresholds are breached. The lender would earn $150 in trustless profit if the loan is repaid on time. And because all loans will be overcollateralized, the protocol’s Stability Factor is designed to trigger third-party liquidators to seize collateral before lender capital is affected. This high-yield, low-contagion model is already attracting attention from crypto-native investors eager for better returns on stablecoins and volatile tokens like SHIB, PEPE, or FLOKI. Presale momentum is heating up Mutuum Finance (MUTM) is currently deep into Phase 5 of its token presale, priced at $0.03 with more than 75% already sold. The project has now raised over $12.35 million from a growing community of over 13,300 holders, and the next pricing tier at $0.035 will mark a 20% increase. With a fixed supply of 4 billion MUTM tokens, scarcity is built into the protocol’s long-term design, and early movers are positioning accordingly. Security-wise, the project is backed by a $50,000 Bug Bounty Program in partnership with CertiK, one of the most respected blockchain audit firms. With a Token Scan Score of 95 and a Skynet Score of 77, the platform is taking every step to ensure transparency and technical robustness before going live. With a listing price of $0.06 already confirmed, buyers from Phase 2 (who entered at $0.015) have already doubled their investment. Analysts tracking the protocol are forecasting 5x to 10x gains from current levels, especially once the beta platform goes live and mtTokens become fully usable. For investors waiting on the sidelines, Phase 5 is shaping up to be the final window before demand floods in ahead of the exchange launch. In a market where few tokens offer both upside and utility, Mutuum Finance (MUTM) is proving that it belongs on the shortlist of Bitcoin (BTC) alternatives to watch—and possibly act on—this July. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Top 3 BTC alternatives to grab in July, one still trading below $0.05 with serious upside appeared first on Invezz

Source: Invezz