Top 2 altcoins to accumulate before July closes, one is priced at just $0.03

With July winding down, traders are scanning for high-upside altcoins that are still reasonably priced. While Polkadot (DOT) remains on many watchlists due to its robust cross-chain vision, attention is rapidly turning toward a new DeFi project that’s picking up serious momentum. Mutuum Finance (MUTM) , currently in Phase 5 of its presale, is priced at just $0.03 and offers an entirely different value proposition—complete with passive lending tools, tokenized interest rewards, and a developing stablecoin infrastructure. The entry window is narrowing as Phase 5 is already 60% filled, with over $11.7 million raised from 12,700 holders and growing. A small retail trader who entered Mutuum Finance (MUTM) during Phase 3, when the price was $0.02, allocated $2,000 to the presale. At that rate, they secured 100,000 MUTM tokens. Now that the presale has progressed to Phase 5 at $0.03, the paper value of their holdings has already increased to $3,000—a 50% gain before listing day. With market demand rising and over 60% of Phase 5 already sold, the same tokens will be worth $6,000 when listing hits at $0.06, delivering a clean 3x return. Rather than wait for launch to increase exposure, the trader has begun dollar-cost averaging additional capital during Phase 5 to deepen their long-term position. This strategy is aimed at capturing both the immediate 2x listing gain and the broader 6x–8x upside forecasted by analysts for the first few post-launch months. The growing use case of MUTM, the rollout of the Layer-2 upgrade, and the beta platform expected at listing have all strengthened this investor’s conviction in holding through 2025 and beyond. Passive yield without complexity: P2C lending pools One of the key innovations driving interest in Mutuum Finance (MUTM) is its P2C (peer-to-contract) lending model. This mechanism allows users to deposit stable and known assets like USDT, ETH, or BTC into pooled smart contracts. Those deposits generate real interest returns over time as borrowers take overcollateralized loans against them. Interest rates adjust dynamically based on pool usage, so when borrowing demand rises, so do yields—automatically pulling in more lenders. In exchange for deposits, users receive mtTokens at a 1:1 ratio—mtUSDT for USDT, mtETH for ETH, and so on. These tokens increase in redeemable value as interest accumulates, allowing users to track their gains without actively managing their position. The entire system is designed for a true “set-and-forget” experience. Over time, users can withdraw their assets along with earned yield, subject to available liquidity in the pool. Unlike yield farming or staking on many other platforms, Mutuum Finance (MUTM) doesn’t require complicated lockups, pairings, or third-party interfaces. Everything operates through audited smart contracts that issue real-time interest and transparent rewards. It’s a clean, non-custodial solution that provides stable APY directly from lending activity—not token inflation or hype mechanics. The real-world potential is already drawing in users who are tired of speculative coins and want consistent returns. A user depositing $5,000 in USDC into one of Mutuum’s P2C pools would receive mtUSDT in return. At an estimated APY of 15%, that position would earn $750 annually in passive income—without ever touching the principal. That kind of reliable return has become rare in today’s unpredictable DeFi landscape. Stablecoin framework adds long-term strength In addition to its lending pools, Mutuum Finance (MUTM) is preparing to launch a decentralized stablecoin designed to complement its lending infrastructure. This stablecoin will be created only when users borrow against approved collateral like ETH. It will be burned once loans are repaid or liquidated, maintaining tight control over supply and supporting ecosystem stability. The interest rate charged on this stablecoin will not fluctuate freely but instead be adjusted strategically by the protocol to help the coin maintain its peg to $1. This type of rate targeting will help reduce volatility and create additional arbitrage opportunities that stabilize the token organically. Only authorized issuers will be able to mint it, each with a defined cap, further enhancing safety. This kind of structure lays the foundation for a highly secure treasury ecosystem—where every coin minted is backed by overcollateralized debt and stabilized through interest mechanics, arbitrage, and controlled issuance. Combined with the protocol’s smart contract logic and risk controls, this innovation puts Mutuum Finance (MUTM) into the rare category of platforms actually building usable financial tools ahead of launch. The roadmap includes the beta release of the platform in alignment with the token’s listing phase, which will give real-time access to P2C and P2P lending, mtToken issuance, and additional components in development. The foundation for this next-gen ecosystem is already taking shape through smart contract work, bug bounty programs, and Layer-2 enhancements for scalability. At $0.03, Mutuum Finance (MUTM) still trades well below the projected listing price of $0.06, offering a built-in 2X upside before any utility or speculation is factored in. And with fewer than six phases remaining in the presale, time is running out to enter before prices rise again. Polkadot (DOT) is still a solid long-term hold, but for those hunting asymmetric upside heading into August, Mutuum Finance (MUTM) offers a more affordable entry point with a stronger token-to-utility alignment. Don’t forget—Cardano was $0.04 before it ever touched $1. The same thing is about to happen again. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Top 2 altcoins to accumulate before July closes, one is priced at just $0.03 appeared first on Invezz

Source: Invezz