Best Crypto to Buy Before July Ends, This $0.03 Token Could 2x Like Ethereum (ETH) Did in 2021

In early 2021, Ethereum (ETH) doubled in price from $700 to $1,400, catching most retail investors off guard. Today, that same early-stage excitement is building around a new DeFi playerโMutuum Finance (MUTM). Priced at just $0.03 in Phase 5 of its presale and already 60% sold out, this low-cap token has quietly raised $11.7 million and attracted over 12,700 unique holders. With limited time left before Phase 6 pushes the price higher, those waiting on the sidelines will be missing one of the most asymmetric DeFi opportunities of 2025.
While ETH offered exposure to smart contract ecosystems in its early days, Mutuum Finance (MUTM) is positioning itself to redefine crypto lending altogether. Its value proposition lies not in speculative hype, but in the foundation of real yieldโbuilt directly into its smart contract architecture.
Passive Income Through Smart Lending Pools
At the core of Mutuum Finance (MUTM)โs ecosystem is its Peer-to-Contract (P2C) lending modelโa decentralized infrastructure designed to make lending and borrowing seamless, flexible, and profitable. Users will be able to deposit assets like USDT, ETH, or BTC into audited smart contracts, which will automatically lend these funds out to overcollateralized borrowers. In return, depositors will receive mtTokens such as mtUSDC in 1:1, which will accrue value passively based on pool utilization and interest earned.
These mtTokens will serve as the on-chain representation of the depositorโs share in the pool. They will not only reflect the original deposit but also any earned interest, compounding automatically over time. For example, a lender who contributes $1,500 in USDC to the pool could earn an annual return of $225 if the pool utilization yields an average 15% APYโwithout needing to claim or restake their earnings manually.
This system provides a true โset it and forget itโ income stream, governed by real demand in the protocol. And since mtTokens can also be staked in designated smart contracts, users will gain access to additional MUTM dividend rewards sourced from protocol revenue. This makes every deposit work double-time: one earning interest, and one earning dividends through periodic buybacks.
The Power of Holding Earlyโand Long
Momentum is already building around Mutuum Finance (MUTM), with increasingly larger investors locking in Phase 5 pricing ahead of the coming jumps. A retail investor who entered with $5,000 during Phase 3 at $0.02 is now holding $7,500 in valueโa 50% gain before listing. That same investor is targeting a portfolio worth $15,000 at listing for a 3ร return, and eyeing a $20,000 value if the price hits $0.08 shortly after launch.
Meanwhile, another user who moved $25,000 into Phase 1 is currently holding a position worth $75,000 at Phase 5 pricing, and is preparing for a projected 6ร gainโ$150,000 in valueโwhen the token lists at $0.06. These arenโt isolated betsโthey reflect a growing consensus that this project isnโt just another short-term presale.
Mutuum Finance (MUTM) isnโt building hype for hypeโs sake. Itโs anchoring value in a technical roadmap that includes a beta launch, Layer-2 integration for faster and cheaper transactions, and the rollout of a decentralized stablecoin system that will expand its use case further. On top of that, its ongoing $50,000 Bug Bounty Program with CertiK and a Skynet security score of 77 demonstrates a serious commitment to smart contract resilience.
Investors who want a shot at a double-digit multiple arenโt just chasing the priceโtheyโre backing the mechanics. Borrowers will be able to lock assets like ETH as collateral and borrow against them without selling. For example, someone with $1,000 worth of ETH could borrow up to $750 (depending on LTV ratio) without sacrificing future exposure, thanks to Mutuumโs overcollateralized and liquidation-protected design.
The protocol is also developing a decentralized stablecoin pegged to $1, minted only against secured collateral and adjusted through interest rate controls and automated burning. This feature will supercharge internal lending velocity and increase mtToken earningsโanother layer of growth and utility that extends well beyond speculation.
The Clock Is Ticking at $0.03
As Phase 6 approaches, so does the next price hikeโto $0.035 per token. For those who regret not buying Ethereum (ETH) under $100 or Binance Coin (BNB) under $5, this is where history could rhyme. A $10,000 investment today at $0.03 would be worth $20,000 by the time the token lists at $0.06. If the price rises to $0.09 as analysts forecast, that same holding would be valued at $30,000โtripling in under a year.
Mutuum Finance (MUTM) is not waiting for headlines. It’s building real DeFi architecture that pays, protects, and scales. Investors still have a window to secure pricing before the rushโbut itโs closing quickly.
For more information about Mutuum Finance (MUTM) visit the links below:
- Website: https://mutuum.com/
- Linktree: https://linktr.ee/mutuumfinance
Disclaimer and Risk Warning
The content featured on Coinpedia's press release page is provided for informational purposes only. Coinpedia does not endorse, verify, or take responsibility for the accuracy, completeness, or reliability of any press releases or associated materials. Any views, opinions, or statements expressed in these press releases are those of the respective issuers and do not reflect the opinions or positions of Coinpedia. Coinpedia is not liable for any content, products, services, or actions mentioned in the press releases. Readers should independently verify the information before taking any actions related to the subject matter of the releases.