Solana hits 100ms finality in tests; this $0.035 layer-2 aims to outpace SOL growth

Solana (SOL)’s recent test results hitting 100-millisecond transaction finality have once again lit up the performance charts in the Layer-1 space.

That kind of speed makes headlines, but raw execution time is only one part of the growth equation in crypto. True scalability comes from building layers of economic activity on top of these chains, and that’s where Mutuum Finance (MUTM) is drawing attention.

Designed as a Layer-2 lending and borrowing protocol with dual market structures, Mutuum focuses on unlocking capital efficiency without exposing participants to the congestion and cost issues that sometimes affect Layer-1 networks during peak demand.

Solana (SOL) alpenglow upgrade

Solana (SOL) has achieved a groundbreaking 100ms block finality in simulated testnets, as part of its Alpenglow consensus protocol upgrade, per a May 20, 2025, report by BlockBeats.

This marks a 100x improvement over the current 12.8-second finality under TowerBFT, with a median of 150ms, per solanacompass.com.

Alpenglow, replacing Proof-of-History and TowerBFT, introduces Votor for efficient voting and Rotor for optimized data propagation, reducing latency to Web2 levels, per helius.dev. 

SOL’s price rose 12.6% to ~$181.57, with $4.97B in trading volume, per CoinGecko. Technical indicators show SOL above $170 support, with RSI at 67 and resistance at $188.69. While enabling real-time applications, macro pressures like US tariffs may cap gains.

A breakout above $188 could target $211, but a drop below $170 risks $158.

Mutuum Finance (MUTM)

While Solana (SOL) works to perfect base-layer speed, Mutuum is carving out a position where liquidity can be optimized across both conservative and high-risk markets.

The protocol’s peer-to-contract (P2C) lending pool offers a clear example of how this model turns blockchain infrastructure into yield-producing capital.

A large-scale Solana (SOL) holder depositing 30 SOL—worth about $80,000—into a P2C pool at a 15% APY utilization scenario will be able to generate $12,000 in annual earnings post-launch.

In return, they receive mtSOL in 1:1, a tokenized representation of their deposit that secures their claim on principal and interest. Liquidity pools in this structure spread borrower demand across the pool, smoothing yield

fluctuations while letting depositors keep their core holdings intact.

Mutuum’s peer-to-peer (P2P) market will take a more customized approach for those willing to assess and price risk directly. Imagine a lender advancing $15,000 USDC to a borrower posting $25,000 worth of TRUMP tokens as collateral at a 60% loan-to-value ratio.

They agree on a 21% APR for a 180-day term. At the end of that period, the lender collects $1,575 in interest, all while remaining isolated from any other borrower’s credit profile.

This isolation means that even if broader markets turn volatile, the lender’s exposure is limited strictly to that single agreement—an advantage for those seeking precise risk management.

Layer-2 architecture

By building this flexibility into its Layer-2 architecture, Mutuum positions itself not just as a place to store or stake assets but as an engine for capital recycling across multiple trading and investment strategies.

This is where speed headlines from networks like Solana (SOL) become relevant: faster base layers enhance execution, but the real return on capital emerges when it’s actively deployed in structured, secure lending markets like Mutuum’s.

The project is now in Phase 6 of its presale at $0.035 per MUTM token, with $14.30 million already committed, equal to 15% of the total supply.

Security has been prioritized from the outset, with a CertiK audit producing a Token Scan score of 95 and a Skynet score of 78. To reinforce trust, a $50,000 USDT Bug Bounty program is in place, offering up to $2,000 for critical findings, alongside a $100,000 giveaway for ten winners.

The community is expanding quickly, already counting over 12,000 engaged members.

For early backers, the presale’s momentum has already been rewarding.

A Phase 1 participant who swapped $6,000 worth of MATIC into MUTM has seen their position grow significantly at the current $0.035 price.

With the token expected to list at $0.06, that same allocation will appreciate further, supported by the launch of Mutuum’s beta platform and its planned exchange listings.

The fact that Mutuum’s Layer-2 design bypasses the throughput limitations of congested Layer-1 networks is expected to attract substantial trading and lending volume, drawing liquidity away from slower or costlier alternatives.

What sets this trajectory apart from the headline-grabbing speed metrics of Solana (SOL) is the focus on utility-driven adoption. While speed can enhance user experience, it is sustainable yield and flexible capital deployment that sustain growth over time.

By offering a framework that works equally well for SOL whales, memecoin traders, and stablecoin lenders, Mutuum is building the sort of diversified liquidity base that often defines breakout performers in the DeFi sector.

Act before the next price step

With Phase 6 approaching its close, the token price will move up to $0.040—a 15% increase that locks in an immediate advantage for those who secure their allocation now.

In markets where momentum can shift quickly, waiting until after a price step often means paying more for the same exposure.

Solana (SOL)’s test results may dominate today’s performance charts, but the next growth stories will come from projects that pair technical speed with financial depth.

Mutuum Finance (MUTM) is positioning itself as one of those stories, with a dual-market model designed to channel liquidity from the top of the market down to every active participant.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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