Top crypto pick before August? This under-$0.05 gem just surged 15%

## Lending innovation that actually pays

Unlike generic DeFi projects that ride market waves without delivering real value, Mutuum Finance (MUTM) will launch with two clear, profit-generating models: P2C (Peer-to-Contract) and P2P (Peer-to-Peer) lending.

In the P2C model, users will be able to deposit stablecoins like USDT, USDC, or USDD into audited smart contracts designed for transparency and security. Once deposited, lenders will receive mtTokens—interest-accruing versions of their deposits.

These mtTokens will grow in value as borrowers pay interest, and users will be able to redeem or even use them as collateral themselves.

For example, a lender who deposits $12,000 in USDT via P2C at a projected 13.5% APY could earn $1,620 per year, without needing to trade or time the market. It will offer passive income in its most efficient form, supported by overcollateralized loans and a built-in Stability Factor that will automatically manage liquidation thresholds.

Borrowers, on the other hand, will be able to post $2,500 in SOL and unlock $1,875 in USDT at a 75% Loan-to-Value ratio—without selling their long-term holdings. The loans will be open-ended, meaning they can be repaid at any time without penalties.

Meanwhile, the P2P model will support lending against higher-risk tokens such as PEPE, DOGE, TRUMP, and SHIB, with flexible terms negotiated directly between borrowers and lenders.

This model will remain isolated from the P2C pool to preserve systemic stability, while offering potentially higher returns for those comfortable with risk-managed exposure.

## Presale clock is ticking fast

Mutuum Finance (MUTM) has just entered Phase 6 of its 11-phase presale, and already, 5% of tokens in this phase have been sold. With a total supply of 4 billion MUTM and only 170 million allocated for this round, the $0.035 entry point is rapidly approaching its expiration.

Over $13.6 million has been raised to date, with more than 14,500 holders joining the protocol’s early backers. The current price of $0.035 won’t last long—Phase 7 will raise the price to $0.040, marking a 15% increase.

This is the final opportunity to acquire MUTM below the $0.04 mark, and once Phase 6 closes, that window won’t reopen. For smart investors, this moment matters—especially with strong price momentum already building.

Mutuum Finance (MUTM) has undergone a comprehensive CertiK audit, earning a Token Scan Score of 95.00 and a Skynet rating of 78.00. Both static and manual code analysis were used to verify protocol integrity and eliminate vulnerabilities.

In parallel, the platform has partnered with CertiK to launch an official $50,000 Bug Bounty Program, rewarding responsible disclosures across all four severity tiers. Security is front and center—and that’s precisely why interest is surging among crypto veterans.

Early movers are already winning

Investors who entered in Phase 1 at $0.01 have already tripled their capital. One trader swapped $2,000 worth of PEPE into MUTM at launch, and that position is now valued at around $7,000 — a 250% gain even before the token hits the market.

At a listing price of $0.06, which is the target on launch, that same investor is poised to bank a 500% ROI.

These aren’t projections — they’re results backed by math and market behavior. With presale phases selling out at record speed and growing anticipation for the platform’s beta release, MUTM’s price is riding a wave of real user demand and utility-driven interest.

Now, with over 12,000 Twitter followers and the roadmap announcing that a beta platform will launch alongside the token, interest in the project is scaling fast. And it’s not just about tech, Mutuum Finance (MUTM) is running a $100,000 giveaway, with 10 winners set to receive $10,000 worth of MUTM each, drawn directly from the protocol treasury.

Whether you’re a lender seeking yield, a borrower looking for liquidity without selling assets, or simply a long-term investor with an eye for high-upside DeFi tokens, MUTM’s current price point offers the kind of asymmetric opportunity that doesn’t last long.

The utility is clear, the security is proven, and the momentum is unmistakable.

Under $0.04, the window is closing. The next 10 days may decide who profits and who watches.

For more information about Mutuum Finance (MUTM) visit the links below:

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