Mutuum Finance Raises $10.85 Million in Presale, Offers 100% Passive Income

Investors are increasingly looking beyond the well-known cryptocurrencies Ripple (XRP) and Shiba Inu (SHIB) in search of undervalued assets with significant growth potential. One such asset that has caught the attention of many is Mutuum Finance (MUTM), a decentralized finance (DeFi) protocol that combines deep utility, token-based rewards, and powerful passive income features into a single smart ecosystem.

Currently priced at $0.03, Mutuum Finance has already raised over $10.85 million and has more than 12,300 holders. The protocol is in Phase 5 of its presale and is preparing for a beta launch by the time it lists on exchanges. Backed by a CertiK audit and designed with Layer-2 scaling for fast, low-cost usage, Mutuum Finance aims to provide a robust and efficient DeFi platform.

One of the key features of Mutuum Finance is its ability to allow users to earn real yields from their participation. When users deposit assets into the protocol, they receive mtTokens in return. These tokens represent a user’s share in the platform’s pooled liquidity and automatically increase in value as borrowing activity generates interest within the platform. Additionally, users who stake their mtTokens in a designated contract become eligible for passive dividends, which are partially funded by the protocol’s revenue.

Mutuum Finance operates on clear, overcollateralized lending mechanics, supporting both Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending models. In the P2C model, interest rates adjust dynamically based on the utilization of liquidity pools, while the P2P model allows lenders and borrowers to set custom terms, offering both flexibility and higher earning potential. Users have the freedom to enter with any amount they find suitable, and because the funds are stored in non-custodial smart contracts, users retain full control over their assets at all times.

The team behind Mutuum Finance is also preparing a decentralized stablecoin that will always aim to stay at $1, backed entirely by on-chain collateral. This stablecoin will be minted only when approved issuers deposit assets like ETH, and it will be burned when loans are repaid or liquidated. By avoiding fiat reserves and centralized backers, this stablecoin will offer transparency and algorithmic price balance.

To further engage the community, Mutuum Finance is running a $100,000 giveaway, with ten early supporters set to win $10,000 worth of MUTM tokens each. This campaign is part of a broader strategy to build long-term engagement and has already garnered over 10,000 followers on Twitter. The project is also implementing Layer-2 scalability, which will enable faster and cheaper transactions than traditional DeFi platforms, addressing some of the biggest issues in decentralized finance—gas fees and congestion.

For investors who missed out on early entries into big-name projects, Mutuum Finance offers a second chance with a complete utility framework in progress, a planned stablecoin, and a working reward system built into every part of the protocol. With the token priced under $0.07, $0.03 to be exact and presale stages advancing quickly, MUTM stands as one of the most overlooked yet promising opportunities of this cycle.