Top 3 must-have tokens this July: MUTM gains 200% since its 1st presale round

Compare that to how early investors approached names like Arbitrum (ARB) or Injective (INJ)—low price, strong tech, and clear product-market fit. But what makes Mutuum Finance (MUTM) stand out in July is its focus on real value creation. This is not a speculative meme play. This is a functional, non-custodial protocol designed to generate stable revenue for users via dual lending paths, passive staking rewards, and a treasury-backed stablecoin—all tied together with security-grade audits and smart contract transparency. Why Mutuum Finance (MUTM) is leading the utility token narrative Mutuum Finance (MUTM) Finance is building something that many DeFi protocols have struggled to deliver: optionality for both risk-averse users and high-yield seekers. The platform is set to operate using two distinct models—Pool-to-Contract (P2C) and Peer-to-Peer (P2P) lending. In the P2C model, users will be able to deposit stablecoins and blue-chip assets like ETH, USDC, or AVAX into permissionless smart contract pools and receive mtTokens in return. These ERC-20 mtTokens will represent both the principal and the interest, growing in value over time as borrowers interact with the pool. But the earnings won’t stop there. Once launched, users will be able to stake their mtTokens into designated smart contracts to earn MUTM token dividends, funded by actual protocol revenue from lending activity. It’s a layered, long-term model designed for DeFi users who are done chasing speculative farms or getting burned by rug-prone clones. Instead, Mutuum Finance (MUTM) aims to provide sustainable, revenue-backed income to those who contribute to the system. In the future P2P model, things get even more flexible. Borrowers holding high-volatility assets like SHIB or PEPE will be able to negotiate terms directly with lenders, setting interest rates, durations, and LTV ratios based on individual risk appetite. This system will remain fully isolated from P2C liquidity pools, allowing lenders to take on higher-risk positions without affecting the health or solvency of the wider protocol. The platform’s stablecoin infrastructure is also a unique pillar of its planned utility. Mutuum Finance (MUTM) Finance will introduce a decentralized stablecoin that remains pegged to $1 and is only minted when users borrow against overcollateralized assets like ETH. The stablecoin is burned automatically when loans are repaid or liquidated, ensuring supply remains tightly controlled. Minting will be limited by issuance caps set for each approved issuer, and the peg will be maintained through algorithmically adjusted interest rates and arbitrage-based mechanisms. This system is designed to deliver a stable, trustless, and scalable DeFi-native asset backed by real crypto collateral. Add in a CertiK Token Scan score of 95.00, a Skynet Score of 77.5, and a growing Twitter following of over 12,000, and it’s clear why investors are considering this one of the most undervalued DeFi tokens of the summer. MUTM’s price trajectory: what comes next The presale structure has been methodical and investor-friendly. Mutuum Finance (MUTM) launched its early phases starting at $0.01, and is now in Phase 5 at $0.03—delivering a 200% gain for the earliest adopters. And the story doesn’t end there. The next presale phase will lift the token price to $0.035, a full 20% jump, making now the final chance to enter before the pace accelerates. The full supply of 4 billion tokens is fixed, and a substantial portion has already been claimed by long-term holders positioning for a post-launch DeFi revival. One such investor reallocated $4,000 originally split between Avalanche (AVAX) and Polkadot (DOT) into Mutuum Finance (MUTM) during Phase 1. That decision has already paid off with a wallet now valued at over $12,000, and analysts tracking roadmap progress are projecting a 3x gain or more after the platform’s listing price of $0.06 is realized in the months ahead. Backing these projections is Mutuum Finance (MUTM)’s consistent commitment to security and transparency. The team has launched a $50,000 Bug Bounty in partnership with CertiK, showing strong alignment with long-term ecosystem safety. Additionally, a $100,000 giveaway campaign —split among ten winners—is already helping build massive community traction and organic buzz ahead of the beta rollout. While ARB and INJ are now multi-billion-dollar ecosystems, early believers were the ones who locked in the best gains. Mutuum Finance (MUTM) is showing all the signs of being next in line, combining staking rewards, stablecoin utility, P2P lending flexibility, and robust smart contract design. With only 25% of Phase 5 tokens remaining, the countdown to Phase 6 at $0.035 is already underway. You missed ARB at $0.12. Don’t miss MUTM at $0.03. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Top 3 must-have tokens this July: MUTM gains 200% since its 1st presale round appeared first on Invezz

Source: Invezz