Following a month of gains that saw Dogecoin (DOGE) rise over 20%, the upward momentum has cooled off as DeFi token Mutuum Finance (MUTM) shows signs of becoming a major gainer in 2025.
One of the factors that is driving the optimism for MUTM is the $100,000 giveaway that is pulling in investors looking for utility-driven gains.
How the Mutuum Finance (MUTM) ecosystem works
Mutuum Finance (MUTM) is powered by non-custodial smart contracts.
Once you deposit funds in a shared liquidity pool, you will receive mtTokens that represent your share in the pool, plus the accrued interest.
Since all holdings are non-custodial, you retain full control of your assets, and the protocol cannot move or access your funds without your say-so.
To withdraw your funds from the share pool, you can redeem the mtTokens, as well as any accrued interest.
The amount of interest you stand to earn is based on the pool’s utilization rate. As pool usage rises, so will your returns.
Besides the shared liquidity pools, MUTM supports a peer-to-peer mode, where users can lend directly to others.
The earnings in the P2P mode can be quite high. However, the mode is built for high-volatility assets like the DOGE meme coin.
Overall, the amount you earn is determined by demand for the asset, its volatility, and the chosen lending strategy.
There are no minimum or maximum amounts to participate in the ecosystem.
Thus, users can begin to grow their assets based on what they have available. However, small deposits might not be practical due to transaction fees.
Additionally, the protocol’s internal stability factor could place a supply cap on some assets.
These caps are designed to ensure the protocol’s long-term solvency, and users should check for limitations, especially when dealing in large amounts.
A deep dive into mtTokens
The mtTokens are a unique technological innovation on Mutuum Finance (MUTM). They are the tokenized representation of a user’s deposit in a liquidity pool.
For instance, when a user deposits $2,500 worth of DAI, they receive mtDAI tokens in exchange.
The mtTokens represent the initial deposit and accrued interest.
These tokens are based on the ERC-20 token standard, which confers instant liquidity on their holders.
Additionally, the tokens allow holders to track their earnings with ease since each token accrues value automatically based on the real-time interest accumulation on the protocol.
With the mtTokens, holders can engage in trade on secondary exchanges to benefit from crypto market opportunities in real time.
Additionally, they can use their tokens as collateral within Mutuum Finance, allowing them to benefit from any DeFi opportunities that may arise.
Yield generation on stablecoin collateral
In the envisioned Mutuum Finance (MUTM) stablecoin design, borrowers will deposit collateral to mint stablecoins.
The deposits will be overcollateralized to protect the long-term stability of the stablecoin.
The collateral used to mint the stablecoin will be actively engaged in the lending pool. Consequently, holders will accrue interest from those assets.
This unique design ensures that stablecoin minters can earn collateral to offset a portion of the interest borrowed on the stablecoin borrow position.
It means that even when in a borrowing arrangement, users’ assets generate yield, which promotes a capital-efficient ecosystem.
Mutuum Finance (MUTM) presale major giveaway
The Mutuum Finance (MUTM) project is currently offering $100K in an ongoing giveaway to 10 lucky participants of its ongoing presale.
To stand a chance to be one of the 10 lucky winners that receive $10K in MUTM tokens, one only needs to take part in the presale with at least $50.
Besides the giveaway, Mutuum Finance (MUTM) has also launched a leaderboard on the presale website.
The top 50 MUTM presale participants will receive spot bonus rewards in MUTM alongside the token purchase.
The presale page also has a great calculator that allows you to view your ROI based on the size of your purchase.
At the current phase 5 price of $0.03 per token, the ROI is 100% based on the listing price of $0.06.
In the previous phase 5, the token price was $0.025, and has since increased by 20%.
The MUTM presale token price is set to rise by 16.67% in the upcoming phase 6 to $0.035.
So far, the presale has attracted over 11,400 participants, with nearly $9.7 million raised so far.
Over 15% of the Phase 5 presale tokens have been sold in the current phase, which is impressive, given that it launched less than a week ago.
Mutuum Finance (MUTM) aims to be one of the most capital-efficient decentralized finance (DeFi) protocols in the world.
So far, its presale has been a roaring success, driven by overwhelming support from the crypto world.
At the current low entry point of $0.03 per token, participating in the presale could be your ticket to one of the leading products of decentralized finance at the ground floor.
For more information about Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
The post DOGE loses momentum against utility-driven Mutuum Finance (MUTM) appeared first on Invezz
https://invezz.com/news/2025/06/01/doge-loses-momentum-against-utility-driven-mutuum-finance-mutm/
