Chainlink (LINK) continues to be one of the most dominant names in the oracle space, securing integrations across both DeFi and traditional finance. Its infrastructure feeds real-world data into smart contracts and remains critical for many protocols that rely on trusted external information. However, while Chainlink (LINK) thrives in the backend data layer, another project—Mutuum Finance (MUTM)—is rapidly building an entirely different kind of utility: a comprehensive DeFi lending platform rooted in transparent smart contracts, passive yield, and Layer-2 speed. And at just $0.03 per token, with over $10.8 million already raised in its presale, Mutuum Finance (MUTM) is shaping up to be a serious 15x opportunity based purely on its mechanics and platform depth.
Passive Income Gets a New Engine
Mutuum Finance (MUTM) will offer a dual-lending structure that gives users two distinct ways to earn: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, users will be able to deposit assets like USDC, ETH, AVAX, or SOL into shared liquidity pools. These pools will be accessed by borrowers who offer overcollateralized backing, and as borrowing demand rises, so will the interest rate for depositors.
Users who provide liquidity will receive mtTokens in return—such as mtETH or mtUSDC—which not only represent their deposit but also reflect the growing interest earned over time. These mtTokens can then be used as collateral elsewhere or traded on the secondary market, giving depositors added flexibility.
On the P2P side, Mutuum Finance (MUTM) will unlock direct lending agreements between users. This opens up the possibility of earning interest from custom agreements on assets rarely supported elsewhere—such as DOGE, SHIB, or PEPE. With tailor-made terms and non-custodial smart contract execution, P2P lending on Mutuum will serve the growing market of DeFi power users looking for yield on altcoins.
All deposits and borrowing activity will be handled through contracts audited by CertiK—Mutuum’s audit score currently stands at 80 following both manual review and static analysis. These protections will enable users to participate confidently in the protocol, knowing that security remains a top priority from the presale stage.
A Stablecoin That Builds the Foundation
Unlike protocols that depend on external stablecoins, Mutuum Finance (MUTM) will introduce a decentralized, overcollateralized stablecoin pegged to $1. This stablecoin will be minted directly from on-chain collateral such as ETH or USDC and will be burned upon repayment or liquidation. Issuance will be restricted to governance-approved smart contracts or entities, each with a set allocation cap to manage risk.
The borrowing interest rate for this stablecoin will be set by protocol governance rather than by market-driven fluctuations. Collateral provided will always exceed the value of stablecoins minted, ensuring overcollateralization. If the collateral value falls below the required ratio, liquidation will occur automatically via smart contract logic to maintain solvency.
Interest generated from stablecoin borrowing will flow back into the Mutuum protocol, strengthening its treasury. These revenues will contribute to the long-term sustainability of the ecosystem, including support for token-related mechanisms such as MUTM buybacks and distribution to mtToken stakers.
Why MUTM Could See 15x Growth Based on Utility Alone
With a total supply of 4 billion tokens and a listing price planned at $0.06, the current presale price of $0.03 offers early participants a direct pathway to double their investment upon launch. But the real appeal lies in the future utility of the MUTM token.
Users who stake mtTokens in designated contracts will become eligible for MUTM token rewards. These rewards will be funded through protocol-generated profits. A portion of protocol earnings will be used to buy MUTM tokens from the open market, which will then be distributed to mtToken stakers in the designated contracts.
For investment point of view: At the current price of $0.03, a $2,000 investment in Mutuum Finance (MUTM) would secure approximately 66,667 tokens. When MUTM reaches 15x its current value, that same investment would be worth $30,000. This valuation is based entirely on the protocol’s internal mechanics—ranging from real-time stablecoin utility and smart contract revenue to cross-chain lending pools—rather than speculative trading or temporary hype.
As of now, over 12,250 holders have joined Mutuum, and more than $10.8 million has been raised during the fifth phase of its presale. The token is still available at $0.03 before moving into Phase 6, where the price will rise to $0.035. The team is preparing for a beta launch to coincide with the token listing, with the roadmap indicating that development, testing, and regulatory alignment will all be delivered before full deployment. A $100,000 giveaway is also active, further expanding the project’s reach and early community engagement.
Where Chainlink (LINK) succeeds by offering infrastructure for other DeFi protocols, Mutuum Finance (MUTM) is building a complete lending ecosystem with multiple revenue paths and a stablecoin designed for sustainability. While LINK serves the data layer, MUTM is targeting the core of DeFi’s value layer—trustless lending, passive income, and capital growth.
With a CertiK audit in place, Layer-2 scalability underway, and a growing ecosystem of holders and depositors, Mutuum Finance (MUTM) is not relying on speculation. Its utility speaks for itself. Investors who recognize the architecture and long-term revenue potential could find themselves holding a protocol token that delivers 15x purely through execution.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a sponsored press release and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.
Source: https://cryptodaily.co.uk/2025/06/chainlink-link-powers-new-oracle-deals-this-defi-crypto-could-deliver-15x-on-utility-alone