Most overlooked token of July, LINK gains traction while this altcoin sets up

While Chainlink (LINK) continues to gain traction in July, a lesser-known project is setting the stage for what will become one of the most profitable moves of the year.

Mutuum Finance (MUTM), currently priced at $0.03 in Phase 5 of its presale, has already crossed $11.70 million in funding with over 12,700 holders and 60% of tokens sold.

It’s quietly attracting whales from other ecosystems—like one wallet that shifted $20,000 out of LINK and XRP during Phase 4 and is now sitting on a 40% gain with full plans to hold through to the listing.

With four phases remaining and the final price set at $0.06, this altcoin is beginning to pull serious attention from sharp investors.

Lend with autonomy or let your money work for you

One of the key reasons investor interest is accelerating is the dual lending system that Mutuum Finance (MUTM) is building into its protocol.

In the P2C model, users will be able to deposit known assets—such as stablecoins or top-tier cryptos like USDT, DAI, USDC, SOL, ETH or BTC—into a shared pool that automatically matches those funds with borrowers.

As the pool is utilized, depositors will earn interest, represented by mtTokens, which grow in value over time.

These mtTokens will accumulate interest continuously and can later be staked in designated contracts to receive additional MUTM rewards from protocol-generated revenue.

This creates a powerful passive income system.

A user who deposits $10,000 in DAI into the pool will receive mtDAI tokens. With dynamic APYs designed to reflect pool usage, the depositor can earn up to $1,500 in interest over the course of a year. 

At the same time, the P2P model introduces a direct negotiation system where users can set their own lending or borrowing terms.

This part of the protocol will be ideal for assets that are more volatile or unconventional, like meme tokens or lesser-known altcoins.

Users lending through this model will be able to customize interest rates and loan durations, opening up higher-risk, higher-reward strategies without destabilizing the P2C ecosystem.

That’s a level of flexibility most major platforms still don’t offer—and it’s one of the reasons analysts are watching this presale closely.

A launch-ready ecosystem with real momentum

Unlike many presale projects, Mutuum Finance (MUTM) is not just promising ideas—it’s working toward a concrete roadmap with measurable deliverables.

The team is planning to launch a beta version of the platform once the token is live, giving users immediate access to core features and interface functionality.

This beta launch is expected to showcase the P2C and P2P mechanisms, supported by smart contract logic already reviewed in an external audit by CertiK.

To ensure security ahead of launch, the project has also introduced a $50,000 bug bounty in partnership with CertiK, rewarding those who help stress test the system before full deployment.

And with a $100,000 giveaway in progress, early adopters are not only getting access to discounted tokens but also standing a chance to win one of ten $10,000 MUTM packages.

Mutuum Finance (MUTM) is clearly engineering a presale experience that blends credibility, utility, and reward—all under one roof.

While Layer-2 integration will further enhance platform speed and reduce costs, the protocol’s long-term vision includes the deployment of its own decentralized stablecoin, minted against overcollateralized loans and managed through protocol-defined interest rate logic.

The token’s fundamentals, smart contract architecture, and user-first structure are now aligning with an increasingly bullish presale wave.

At the current price of $0.03, a $4,500 investment will buy 150,000 MUTM tokens.

Once the token reaches a 30x valuation—well within range according to market analysts tracking demand and roadmap activity—that same holding will be worth $135,000. And with Phase 6 priced at $0.035, the window for sub-$0.04 entries is closing fast.

LINK holders are watching their charts—MUTM buyers are watching their stacks grow. Those waiting for a perfect entry often miss the real move.

With only 40% of Phase 5 tokens remaining, now is the time to secure an allocation. Once the next phase hits, early buyers will already be up while the rest scramble to catch the wave.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

The post Most overlooked token of July, LINK gains traction while this altcoin sets up appeared first on Invezz