Top July altcoin: SUI adds TVL, but this $0.03 lending coin could 15X

Sui (SUI) continues to attract liquidity as developers build around its Layer-1 framework, but many investors are beginning to turn their attention to where the real profits flow—tokens that generate sustainable income rather than just temporary hype.

While SUI’s TVL shows progress, the excitement is increasingly shifting toward one rising DeFi star—Mutuum Finance (MUTM)—a decentralized lending protocol currently priced at just $0.03 in its fifth presale phase.

Unlike most altcoins at this stage, Mutuum Finance (MUTM) is gearing up to go live at listing, with a powerful lending model already in testing and a user base growing daily.

Over $12 million has already been raised, with 13,000+ holders secured and 68% of Phase 5 sold out.

Once this phase closes, the price will jump to $0.035—still far below the planned listing rate of $0.06.

But what has analysts now predicting a 15X run after launch isn’t just early access pricing—it’s the protocol’s built-in ability to scale revenue through actual lending activity on-chain.

Sui (SUI)

Sui, a layer-1 blockchain by Mysten Labs, competes with Solana, using a Move-based language and object-centric model for scalable transactions.

Priced at $2.90 with a $1.2B market cap on July 7, 2025, Sui dropped 2.0% last week.

Its Parallel Transaction Execution achieves 297,000 TPS, with Narwhal-Bullshark consensus and DPoS ensuring low-latency and $0.001 fees. 

Sui powers DeFi (Suilend, NAVI) with $1.2B stablecoin volume, dynamic NFTs for gaming (SuiPlay), and Web3 apps.

Its DeFi TVL hit $2.1B, up from $1.8B, driven by 4x transaction growth and Phantom wallet integration.

A 21Shares ETF filing and 25% wallet growth signal a 1.8x rally to $5, but $2.96 resistance risks $2.38.

Despite outpacing Solana’s inflows, Sei Network’s $600M TVL competes. Sui’s 16.1% developer growth cements its non-EVM leadership, though volatility persists.

Utility-driven use cases powering organic growth

Unlike speculative assets that will rely solely on market hype, Mutuum Finance (MUTM) will offer a protocol where both borrowers and lenders will benefit from active platform usage.

A key part of the Mutuum model will be peer-to-contract (P2C) lending, where lenders will provide liquidity to overcollateralized loan pools and will earn interest based on real demand from borrowers.

This won’t be based on vague APY promises—returns will be calculated directly from actual loan activity on the protocol.

For example, a user lending $7,000 in BTC through the platform will be able to earn around 8.9% APY, driven by smart contract logic that will adjust interest rates according to pool utilization.

This design will reward early depositors while creating healthy competition among borrowers, pushing the platform toward a natural equilibrium that will maximize yield without relying on artificial inflation.

On the borrowing side, users will retain control of their assets while gaining immediate access to liquidity.

A borrower locking $5,000 in MATIC at a 60% loan-to-value (LTV) ratio will receive $3,000.

These loans will be flexible—interest will accrue only for the number of days the funds are actually borrowed, making it ideal for traders, short-term investments, or even passive yield farming.

Users will be able to repay early or extend without penalty, offering a level of freedom rarely seen in centralized or rigid DeFi protocols.

This cycle—where lenders will earn from real demand and borrowers will benefit from fair collateral terms—will create a feedback loop that will grow the platform sustainably.

As new users join, mtTokens—interest-bearing tokens that will be received by lenders—will reflect accumulated yield and will be tradable or stakeable within the ecosystem for further rewards.

Launch-ready platform, strategic security, and investor momentum

One of the most powerful aspects of Mutuum Finance (MUTM) is its commitment to launching with actual utility.

While many crypto projects delay delivery after fundraising, the Mutuum team is preparing to roll out a functional demo platform with core features at launch.

Beta testing, security reviews, and infrastructure development are actively progressing, all outlined in the roadmap under the project’s third phase.

To ensure platform resilience, a $50,000 bug bounty is now in place to attract developers and white-hat hackers to test the protocol.

This is complemented by the extensive smart contract audit with CertiK—a trusted name in blockchain security—which will further validate the protocol before it hits public markets.

Adding to the appeal is a $100,000 giveaway targeting early backers.

This initiative is designed to reward 10 lucky participants with $10,000 worth of MUTM tokens, pushing community engagement and bringing more eyes to the ecosystem before the presale phases close.

These promotional efforts are already showing results, with several high-net-worth holders entering in earlier rounds.

One whale who entered at Phase 2 with $40,000 is now sitting on nearly $80,000 in token value based on the current price—an increase of over 100% before listing has even occurred.

As Sui (SUI) continues to grow in total value locked, its upside remains limited by native token functionality.

Meanwhile, Mutuum Finance (MUTM) is being built from the ground up to produce yield from real lending transactions, giving its token long-term relevance in a DeFi sector hungry for sustainable income.

With its launch fast approaching and the next presale phase increasing price by around 20%, this may be the final entry point before the broader market takes notice.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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