Top 3 Cryptos to Buy Before Summer Ends — One’s Under $0.04 and Outshining Sui (SUI)

Summer's heating up—and so is crypto. With bullish sentiment returning to the market, investors are locking in their top picks for the season. Bitcoin (BTC) and Ethereum (ETH) remain foundational assets, offering security and long-term value, but with significant price tags. For those seeking stronger upside, there’s a third crypto that’s rapidly climbing investor watchlists—and it’s still trading at just $0.03. That project is Mutuum Finance (MUTM), a DeFi lending platform outshining competitors like Sui (SUI) when it comes to functionality, ecosystem design, and passive income opportunities.

Bitcoin (BTC) and Ethereum (ETH) Set the Tone — but Mutuum Brings the Firepower

Bitcoin (BTC), the original digital gold, continues to lead institutional adoption with its fixed supply and Layer-2 scaling through the Lightning Network. Ethereum (ETH), the bedrock of DeFi and smart contracts, remains a critical part of every serious portfolio. However, as both trade at four and five-figure prices respectively, new investors are turning toward undervalued projects that deliver working utilities. 

That’s where Mutuum Finance (MUTM) comes in. Currently in Phase 5 of its presale, this protocol has already raised over $10.6 million, amassed 12,000+ holders, and is priced at only $0.03—but the value it's building rivals projects far above its market cap.

Sui (SUI) gained early attention for its high-throughput Layer-1 promises, but much of its ecosystem remains aspirational. Mutuum Finance (MUTM), on the other hand, has projected a functional decentralized lending platform offering Peer-to-Contract (P2C) and Peer-to-Peer (P2P) models.

In the P2C model, you’ll be able to deposit assets like Ethereum (ETH), Solana (SOL), Bitcoin (BTC), or Avalanche (AVAX) into shared liquidity pools and earn interest based on real-time usage. These pools are more than passive vaults—rewards rise with borrowing demand, creating an adaptive yield system based on real lending activity.

For the more active user, the P2P model allows you to lend directly to others and set your own terms—including support for tokens like Dogecoin (DOGE), Shiba Inu (SHIB), or Pepe (PEPE), which are typically ignored by major platforms. It’s a real lending marketplace, not just a speculative DeFi shell.

Passive Income in a Summer Bull Market

Mutuum’s financial design favors those who contribute liquidity or stake in the protocol. As the platform generates revenue from borrowers, a portion is rechanneled into buying back MUTM tokens and distributing them to users who stake their mtTokens—the platform’s yield-bearing tokens.

Let’s look at a real-world example. Say an investor contributes $2,000 at the current price of $0.03. If the token reaches $0.90 (a 30x gain), that position would be worth $60,000. That’s not speculative fantasy—it’s grounded in the kind of structured utility, tokenomics, and revenue model that drives true adoption.

Beyond lending, Mutuum is developing its own fully overcollateralized decentralized stablecoin. This isn’t your typical fiat-backed coin. Instead, it will be minted from on-chain collateral already held within the platform, bringing full transparency and protocol-controlled supply mechanics. This stablecoin will provide a more stable borrowing option while also enhancing protocol revenue. As borrowers pay interest using the stablecoin, those funds flow back into the treasury—strengthening the ecosystem and indirectly increasing value for MUTM holders.

Built on Layer-2 for Speed and Savings

To improve performance, Mutuum Finance is being built with Layer-2 integration, allowing users to enjoy faster transactions with lower fees. It’s a technical upgrade that solves DeFi’s biggest bottlenecks—network congestion and high gas costs—giving Mutuum a user experience edge over older protocols. Combined with a clean interface and flexible architecture, this makes Mutuum Finance not just another DeFi player—but one of the most thoughtfully designed platforms entering the market in 2025.

Security is paramount in DeFi, and Mutuum has passed a CertiK audit with a Token Scan Score of 80, showing strong foundational design. The audit, finalized in May 2025, includes both static analysis and manual review to ensure user safety before launch.

And there’s more coming—a beta version of the platform is scheduled to go live alongside the token launch, meaning users won’t have to wait to see the product in action for testing. This readiness sets Mutuum apart from typical presale tokens that launch first and build later.

With a limited number of tokens allocated to presale buyers at $0.03, the window to secure a position at these levels is closing fast. Momentum is building, the platform is progressing toward launch, and with over $10.6 million already raised, serious capital is flowing into Mutuum Finance. There’s also a $100,000 giveaway running for early contributors, making now the most lucrative time to get involved.

Final Word: One Token Stands Out Before Summer Ends

While BTC and ETH continue to anchor portfolios and Sui (SUI) courts attention with scalability goals, Mutuum Finance (MUTM) is emerging as the DeFi-ready, passive income-focused, under-the-radar gem of the season.

This summer, your crypto portfolio deserves more than just names you already know. It deserves a future-forward project like Mutuum Finance, priced under $0.04—but positioned for gains that won’t stay this affordable much longer.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.