Bitcoin News Today: Mutuum Finance MUTM Rises on DeFi Innovation and 20x Return Potential

Mutuum Finance’s native token, MUTM, is gaining attention as a potential alternative for investors who missed the early gains of Polygon’s MATIC. Priced at $0.035 during Phase 6 of its presale, MUTM is being highlighted as an undervalued entry point with significant upside potential. To date, the project has raised over $13.7 million and attracted more than 14,700 token holders, with only 7% of the 170 million tokens in this phase sold [2].

A core feature of Mutuum Finance is its dual lending model—Peer-to-Contract (P2C) and Peer-to-Peer (P2P)—designed to drive protocol activity and fuel demand for MUTM tokens. The P2C model allows lenders to earn dynamic annual percentage yields (APYs), with examples showing potential returns as high as 8.5% for deposits of assets like SOL. Borrowers can access liquidity by locking in assets such as ETH, BTC, or USDC, enabling them to borrow up to 70% of the asset’s value without selling their holdings [1].

The P2P model introduces flexibility by enabling custom loan terms between users, supporting higher-risk, higher-reward strategies. As both models gain traction, they are expected to generate revenue for the protocol, which will be reinvested into automated buyback mechanisms. These mechanisms aim to reduce circulating supply and support the token’s long-term value [1].

MUTM’s tokenomics also include a buy-and-distribute model, where a portion of protocol revenue is used to repurchase tokens and redistribute them to users staking mtTokens. These tokens represent deposit positions and accumulate yield, with increased staking demand expected to drive upward pressure on MUTM’s price. The total supply of MUTM is capped at 4 billion tokens, with only 170 million allocated for Phase 6, further reinforcing scarcity as a catalyst for growth [1].

An upcoming beta launch is anticipated to boost engagement by allowing users to interact with the platform’s core functions, building familiarity and encouraging long-term usage. This is expected to drive transaction volume and strengthen the token’s utility. Analysts project a 15% price increase into Phase 7, narrowing the window for maximum returns [1].

In addition, the project has launched a $50,000 CertiK bug bounty program and achieved a 95/100 Token Scan score, underscoring its focus on security. A $100,000 giveaway campaign, offering ten winners $10,000 in MUTM each, is actively expanding the project’s community, which now exceeds 12,000 Twitter followers [1].

Given its utility-driven model, tokenomics, and early traction, MUTM is being positioned as a play that could see a 20x return as it approaches an expected listing price of $0.06. With Bitcoin trending upward and altcoins gaining momentum, MUTM’s focus on real-world DeFi applications may attract capital more rapidly than speculative assets [2]. Some investors are already shifting from XRP to MUTM, with experts suggesting it could see increased attention as part of a broader DeFi innovation trend [3].

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[1] title1………………………………………………………………………………………………………………(https://invezz.com/news/2025/07/31/missed-matics-early-gains-mutm-at-0-035-might-be-the-next-play-to-watch/)

[2] title2………………………………………………………………………………………………………………(https://invezz.com/news/2025/07/31/top-undervalued-penny-coin-this-month-could-20x-before-btc-crosses-150k/)

[3] title3………………………………………………………………………………………………………………(https://www.bitcoininsider.org/article/281019/trx-might-arrive-second-ruvi-1-mark-says-experts)