Avalanche (AVAX) once shook the DeFi world with its subnet architecture, but a new project is beginning to capture the same kind of early adopter energy.

Mutuum Finance (MUTM), now priced at just $0.03 in Phase 5 of its presale, is building a dual lending ecosystem that merges passive earnings with custom lending flexibility—and investors are taking notice.

Last week, an Avalanche (AVAX) whale rotated $48,000 into Mutuum Finance (MUTM), acquiring approximately 1,600,000 tokens at the $0.03 presale price.

This investor is projecting MUTM to outperform AVAX’s explosive 2021 rally, when Avalanche (AVAX) surged over 3,000% in less than 12 months. 

If Mutuum achieves even a fraction of that performance—say, a 10x move to $0.30—that $48,000 position could grow to $480,000.

At a more ambitious 20x run to $0.60, it would be worth $960,000, underscoring why large holders are quietly positioning early.

The reason? A powerful mix of protocol design, revenue-driven tokenomics, and a roadmap that sets the stage for exponential usage.

Launched in September 2020, Avalanche (AVAX) quickly gained traction, hitting an all-time high of $146.22 in November 2021 as DeFi and NFT projects adopted its fast, low-cost network.

However, by October 2022, AVAX crashed to $8.90 during the crypto bear market, later recovering to $40 in early 2025 before slipping 3.8% to $17.80 in June, despite a surge in subnet gaming volumes.

Analysts forecast AVAX could climb back to $30–$65 by the end of 2025 and reach $185–$221 by 2030, boosted by real-world asset tokenization and institutional deals.

Avalanche’s tri-chain design enables 4,500 TPS and EVM compatibility, with AVAX used for transaction fees, staking rewards, and governance.

While AVAX underpins a $1.21B DeFi ecosystem and partnerships like California DMV and Alipay, Mutuum Finance (MUTM) at $0.03 offers a clearer almost instant upside with 100% ROI potential when it launches at $0.06.

Mutuum Finance (MUTM) is building its foundation on two distinct lending mechanisms: peer-to-contract (P2C) and peer-to-peer (P2P). Each offers unique benefits, catering to both yield seekers and risk-tolerant DeFi users.

In the P2C model, users will deposit assets like USDC, ETH, LINK, or ADA into audited smart contracts.

These contracts will then issue overcollateralized loans based on dynamic interest rates that rise or fall according to how much of the pool is being used.

As pool utilization increases, borrowing rates climb, which encourages more liquidity to enter while helping keep borrowing demand sustainable.

Depositors in the P2C model will receive mtTokens—like mtUSDC or mtETH—on a 1:1 basis. These mtTokens will represent both the deposited capital and accumulated interest.

Because the yield is embedded in the token’s value, there is no need to manually restake or claim rewards. A simple holding strategy becomes an income stream.

For instance, someone who deposits $12,000 in USDC will receive mtUSDC in return. Assuming an average APY of 15%, which adjusts based on pool activity, that deposit will generate $1,800 in passive income annually—with no active management required.

On the other side of the protocol, the P2P lending system will unlock new possibilities. Users will directly negotiate loan terms with one another, including interest rates, duration, and collateral type.

This includes meme tokens like DOGE, PEPE, or SHIB—assets not typically supported in standard DeFi lending markets.

Because P2P loans operate without a shared liquidity pool, the protocol isolates risk, giving both parties greater control and potential for higher returns.

Part of the fees will be used to buy back MUTM tokens, which are then distributed to mtToken stakers, creating a self-sustaining revenue loop.

The team is also developing an overcollateralized stablecoin, minted only by approved issuers within strict limits to ensure transparency and maintain a $1 peg. 

Security is a priority, with a full audit completed and a $50,000 CertiK bug bounty live. Future plans include Layer-2 integration for lower gas fees and better scalability.

Importantly, the platform’s beta will go live alongside the token listing, giving early adopters immediate access to its lending features and staking rewards.

Mutuum Finance (MUTM) has already attracted more than 12,800 holders and raised over $11.9 million in its presale. Currently priced at just $0.03 in Phase 5, 65% of this round is already sold out.

Once it hits Phase 6, the price will increase to $0.035.

That’s why early adopters, including large-cap veterans from Avalanche (AVAX) and Chainlink (LINK), are now locking in positions.

With the dual lending model, staking dividends, and stablecoin launch all on the horizon, there’s strong belief that Mutuum Finance (MUTM) will see a steep price revaluation.

There aren’t many tokens under $0.04 with this kind of depth—and this summer, MUTM may just be the DeFi standout with the clearest path to 10x.

Now is the moment to act, before Phase 5 sells out and the next price tier begins.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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