Top 2 cryptos under $0.05 to watch this summer, one may 3x before August

With the summer crypto surge underway, investors are zeroing in on low-priced digital assets with room for exponential growth.

While meme-fueled tokens like Shiba Inu (SHIB) still hold cultural weight in the market, a new contender under $0.05 is now pulling serious attention—and capital.

Mutuum Finance (MUTM), currently priced at $0.03 in Phase 5 of its presale, has raised over $11.7 million and attracted 12,700+ participants.

With 60% of this phase already sold out and the next price jump looming, traders looking for a 3× upside are beginning to treat this like the best-kept DeFi secret of the summer.

In the last week alone, a DeFi-focused whale shifted $18,000 out of Avalanche (AVAX) and Dogecoin (DOGE) into Mutuum Finance (MUTM), anticipating a clean 3× gain post token launch.

The motive is clear: where most low-cap cryptos trade on hype alone, Mutuum Finance (MUTM) offers direct, early access to utility on launch—powered by a beta-ready decentralized lending protocol, a native stablecoin infrastructure, and Layer-2 enhancements for speed and cost efficiency.

Launch utility, not just launch hype

According to its roadmap, the beta launch of the lending platform is expected to arrive alongside token listing.

That means investors stepping in now are backing a DeFi protocol—not a placeholder.

At the heart of this platform there will be two custom lending models.

The P2C (peer-to-contract) system is designed for stablecoins and top assets like ETH, BTC, and SOL.

Lenders will deposit their crypto into smart contracts and receive mtTokens—interest-earning tokens that automatically grow in value over time.

Those mtTokens can then be staked in designated smart contracts to earn dividends, adding an extra revenue stream for long-term holders.

Borrowers, meanwhile, will use overcollateralized crypto to take loans without selling their assets, preserving upside while unlocking liquidity.

The protocol’s second model, P2P (peer-to-peer), opens lending opportunities for meme coin holders and risk-seeking traders.

Tokens like Pepe (PEPE) or Dogecoin (DOGE) will be eligible for customized loan contracts, directly negotiated between lenders and borrowers.

This dual approach increases platform flexibility, serving both conservative and aggressive strategies while shielding core liquidity from unwanted volatility.

Stablecoin engine and low cap advantage

Beyond its dual lending structure, Mutuum Finance (MUTM) is preparing to build a decentralized stablecoin—fully backed by protocol-secured collateral and minted only by approved issuers.

This stablecoin will always target a $1 value, with mint-and-burn logic designed to keep the peg intact. Interest rates on borrowing will be adjusted by the protocol’s governance to maintain that stability.

This system will create internal lending demand while reinforcing utility around the token itself.

Mutuum Finance (MUTM) is also designed with Layer-2 optimization, which will reduce transaction costs and improve processing speed—a vital feature for attracting long-term usage and institutional interest.

Investors holding mtTokens will remain in full control of their assets through non-custodial smart contracts, able to withdraw or redeploy capital based on liquidity availability.

The platform has already undergone a CertiK audit, and the team has launched a $50,000 Bug Bounty Program to identify and patch any vulnerabilities before mainnet.

The protocol’s Skynet Score currently sits at 77, and its Token Scan Score is 95—numbers that reinforce trust in the underlying technology and developer transparency.

And with 4 billion tokens as the total supply, current investors are still getting in early. At a Phase 5 price of $0.03, every dollar goes a long way.

A $10,000 position at the current $0.03 presale price secures 333,333 MUTM tokens. At the $0.06 listing, that stake will already be worth $20,000.

But with analyst projections placing post-launch pricing in the $0.09–$0.10 range, that same position could rise to $30,000 or more as the protocol activates and usage scales.

As seen with AVAX, which exploded from $2.50 to over $140, or BNB from $4 to nearly $700, those who wait until launch often end up chasing.

With only a few phases left before the price climbs again, the $0.03 window on Mutuum Finance (MUTM) is closing fast—and those who hesitate may find themselves watching from the sidelines this summer.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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