What to buy in July? This $0.03 coin is quietly matching TON’s trajectory

As July opens a fresh chapter for crypto markets, investors are watching Toncoin (TON) after its explosive rise from quiet accumulation to large-scale adoption. But under the radar, another project is gaining momentum in a strikingly similar way. Mutuum Finance (MUTM) , currently priced at just $0.03 in its Phase 5 presale, has already attracted over 12,600 holders and raised $11.4 million—quietly mirroring the early buildup that preceded TON’s breakout. And this time, it’s happening in decentralized finance. The right phase, the right timing Toncoin (TON) didn’t go mainstream overnight—it spent weeks building interest during its accumulation window before news of integrations and utility features pushed it into broader awareness. That same early-stage quiet phase is now unfolding around Mutuum Finance (MUTM), but with the added benefit of DeFi infrastructure already aligned with income-generating tools. Mutuum will allow users to lend and borrow crypto assets through two distinct models. The Peer-to-Contract (P2C) system will pool stablecoins and blue-chip tokens like ETH or BTC, automatically adjusting interest rates based on utilization. Depositors will receive mtTokens that represent both their principal and any earned yield. These mtTokens will grow in value and can also be staked in designated contracts to earn passive dividends—generated from borrower fees and protocol revenue. This structure will provide two layers of income to active participants. To see how this works in real numbers: a user who deposits $20,000 worth of DAI into a P2C pool will receive mtDAI, and based on an average APY of 15%, will earn $3,000 in interest over a year—automatically. No manual compounding, no action needed beyond deposit and stake. Mutuum Finance (MUTM) also supports borrowing against collateral without selling your assets. If someone locks $1,000 worth of ETH, they will be able to borrow up to 65-75% (depending on the LTV ratio) of that value while continuing to benefit from ETH’s price appreciation. This flexibility will allow investors to unlock liquidity without interrupting their long-term holds—a structure that adds real utility to a passive portfolio. Beta launch catalyst and Layer-2 advantage The next breakout signal for Mutuum Finance (MUTM) is expected to follow a familiar pattern. Just as TON rallied after its listing aligned with key product rollouts, Mutuum is planning to launch its beta platform around the time the token goes live. This synchronized delivery of core functionality and trading availability is expected to drive fresh demand from both retail and institutional players. As part of its roadmap, the platform is being built with Layer-2 integration, ensuring low-cost and fast transactions—a major advantage over legacy DeFi platforms still struggling with gas fees and congestion. This infrastructure edge will position Mutuum Finance (MUTM) to onboard users more effectively and support long-term adoption at scale. The project also stands out for its security commitment. A full CertiK audit has been completed, returning a Token Scan Score of 95.00 and a Skynet Score of 77. In addition, Mutuum Finance (MUTM) has launched a $50,000 Bug Bounty Program in partnership with CertiK, covering four tiers of vulnerability severity. This program is designed to harden the protocol before going live and increase confidence among institutional stakeholders watching for early-stage DeFi stability. With over 12,600 holders, $11.4 million already raised, and a $100,000 giveaway now live for early adopters, the window for high-reward positioning is closing quickly. Just as Toncoin (TON) rewarded early accumulation, Mutuum Finance (MUTM) is lining up the same trajectory—with passive income tools, stablecoin innovation, and a growing base of strategic believers. Before Phase 6 raises the price to 0.035, smart buyers are moving in. Those waiting for confirmation risk missing the run. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post What to buy in July? This $0.03 coin is quietly matching TON’s trajectory appeared first on Invezz

Source: Invezz