That contender is Mutuum Finance (MUTM) , a project that stands apart by offering real DeFi utility and a clear path toward sustainable value. While PEPE grabs headlines with excitement, MUTM is steadily building the future of decentralized finance. A balanced opportunity against wild volatility Unlike PEPE’s hype-driven surges, Mutuum Finance (MUTM) will be built around a functional architecture that targets stability and growth. The platform will operate a dual lending system, starting with Peer-to-Contract (P2C) lending. Here, users will deposit dependable assets such as USDC, AVAX, and LINK into shared liquidity pools. These deposits will generate stable APYs ranging between 9% and 12% (depending on the pool utilization), making the opportunity appealing for those seeking consistent yield. Depositors will receive mtTokens on a 1:1 basis, which not only will accrue interest automatically but also will unlock staking rewards paid out in MUTM tokens if staked in the smart contracts. This model will ensure that users benefit directly from their participation in the protocol’s liquidity, creating a steady income stream in addition to capital appreciation. The second lending layer will be Peer-to-Peer (P2P), which will be crafted for high-risk, high-reward players. This part of the platform will allow loans to be issued and collateralized with speculative tokens such as PEPE, DOGE, FLOKI, BONK, and TRUMP. These contracts will be directly negotiated between lenders and borrowers, providing flexibility in terms and interest rates. Crucially, the risks and rewards of P2P lending will remain isolated from the more stable P2C pools, ensuring the core platform stays secure and resilient against volatility in speculative assets. This layered approach to lending will position Mutuum Finance (MUTM) as a comprehensive DeFi ecosystem catering to both conservative and aggressive investors. Currently, Mutuum Finance (MUTM) is in its Phase 6 presale, with the price set at $0.035. To date, the project has raised $14.1 million, gathered nearly 14,800 holders, and sold 10% of the token supply. This is the last discounted phase, and once it concludes, the price will rise to $0.040—a 15% increase that marks the final opportunity to buy in at an early price point. Early participation means locking in a discounted entry before the wider market access opens, which positions investors to capitalize on upcoming momentum. Why experts and early investors are excited Analysts who have a strong track record, including accurate forecasts for Polkadot (DOT)’s breakout and early Solana (SOL) growth, are now projecting Mutuum Finance (MUTM) to reach $1.05 by mid-2026. This forecast is based on the project’s unique dual lending mechanics, anticipated Layer-2 integration for faster transactions, and a full launch of its beta platform. One confident investor swapped $4,000 from AVAX into Mutuum Finance (MUTM) during Phase 1 and is now sitting on a $14,000 unrealized stake—a 250% gain before the token even hits major exchanges. This same stake is expected to surpass $60,000 once the beta launches and key exchange listings materialize, showcasing a substantial return driven by increasing staking demand and token buybacks. The platform’s roadmap, divided into four distinct phases, will guide Mutuum Finance (MUTM) from presale through development, audit completion, and ultimately to multichain Layer-2 launch. The upcoming beta release will allow users to experience the protocol firsthand, bringing real-world utility to the project and fueling further token demand. Security and transparency have been top priorities, reflected by Mutuum Finance (MUTM)’s high CertiK audit score of 95 and a solid Skynet rating of 78. The project also runs a bug bounty program to encourage the community to report vulnerabilities, reinforcing its commitment to safety. Additionally, the project is energizing its community with a $100,000 giveaway, distributing MUTM tokens to ten lucky winners, which helps build a loyal and engaged supporter base. Final words While PEPE dazzles with flashy social-driven pumps, Mutuum Finance (MUTM) is methodically building a sustainable ecosystem with real lending use cases and long-term value drivers. The $0.035 price point in this presale phase is fleeting—once the token moves to $0.040, the easy entry window closes. For those who want to combine growth with security, Mutuum Finance (MUTM) offers a clear, calculated path that blends stable yields, high-risk options, and a well-structured development plan. As August unfolds, investors looking beyond mere hype are turning to Mutuum Finance (MUTM) as the smarter, more balanced choice under $0.05. Time is running out to join this presale phase, and the rewards for early entry promise to be significant as the project advances toward its full potential. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post August’s 2 cryptos under $0.05: One in presale with 300%+ outlook, other is PEPE appeared first on Invezz
