Where Toncoin (TON) focuses on transactional throughput and messaging integration, Mutuum Finance (MUTM) is solving for revenue creation, capital efficiency, and lending market depth. Its lending engine includes both peer-to-contract (P2C) and peer-to-peer (P2P) modes, giving it wider coverage than most competitors in DeFi. In P2C lending, users can supply crypto assets like stablecoins or known tokens to earn interest based on pool utilization. P2P lending allows custom terms between users, ideal for riskier or lower-liquidity tokens. Together, this structure gives Mutuum Finance (MUTM) a clear advantage over one-dimensional Layer-1 plays that don’t offer income for holders. The project is already earning attention from serious investors. One large investor invested $50,000 during Phase 2 of the presale to acquire MUTM tokens at just $0.015. With the listing price set at $0.06, that position will be valued at $93,000—a remarkable near-doubling in value before the token even hits exchanges. This kind of return is becoming harder to find in Layer-1 ecosystems, where upside depends heavily on adoption speculation. In contrast, Mutuum Finance (MUTM) ties its token to actual lending volume and protocol revenue, creating a far more stable foundation for growth. Revenue-backed tokenomics with Layer-2 speed The protocol will use a portion of profits to buy back MUTM tokens from the open market and distribute them to users who stake mtTokens in the designated smart contracts. This buyback loop incentivizes participation while adding upward demand pressure over time. Layer-2 scalability is also built into the future of Mutuum Finance (MUTM). The platform is being developed with Layer-2 integration in mind, enabling faster, cheaper transactions and smoother user experience—a significant improvement over congested Layer-1 chains. This future-ready infrastructure places MUTM in a prime position to lead the next evolution of decentralized finance, where speed and cost are critical but must be supported by real-world value creation. Community rewards are also built into the launch. A $100,000 giveaway is underway, with ten winners expected to receive $10,000 worth of MUTM tokens each—an early thank-you to those who believe in the protocol’s long-term future. Borrowing on Mutuum is designed to be seamless and flexible. In a P2C model, a user who deposits $12,000 worth of AVAX as collateral (at a 65% loan-to-value ratio) will be able to borrow up to $7,800, use it freely, and repay it at any time. Interest will only be charged for the days the loan remains active, making the borrowing model cost-efficient and responsive. This kind of structure attracts both borrowers looking to unlock liquidity and lenders aiming to earn stable returns. Mutuum’s P2C pools are expected to deliver yields between 7% and 12% APY, depending on the asset type and loan utilization. These returns are earned in real-time through mtTokens, which represent a user’s share of the pool. mtTokens increase in value passively, so holders accumulate earnings automatically without manual compounding. Security is also a top priority for the team. Mutuum Finance (MUTM) is undergoing a detailed audit process with CertiK, including static analysis and manual reviews. The platform already holds a Token Scan Score of 95.00 and a Skynet score of 77. To further incentivize external review and protocol strengthening, a $50,000 Bug Bounty Program is active. For more information about Mutuum Finance (MUTM), visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Top 10x opportunity: why this DeFi innovator may leave Toncoin behind appeared first on Invezz
