Leaving Dogecoin (DOGE) Speculation Behind, Investors Are Shifting to Mutuum Finance (MUTM)

While Dogecoin (DOGE) thrives on speculation, investors are shifting toward Mutuum Finance (MUTM) for its real financial utility.

Mutuum Finance (MUTM) is a decentralized lending protocol that aims to provide real financial utility in the cryptocurrency space. It offers two lending products: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, users contribute assets to liquidity pools and earn interest based on borrowing demand. Interest rates adjust dynamically with utilization to give suppliers fair returns and sustainable borrowing charges. The P2P model allows direct lending agreements between users, where the users have control over interest rates and loan terms. Unlike P2C, the P2P model enables users to supply and borrow assets not available in traditional lending pools, including meme coins like SHIB and PEPE. All activities in the protocol will be performed through a smart contract, which will be audited by a well-known firm to verify trustworthiness and prevent vulnerabilities.

Suppliers who contribute assets to liquidity pools earn interest, with returns adjusting based on borrowing demand. For instance, someone depositing USDT into the platform would see their balance gradually increase over time as interest accumulates, offering a steady passive income stream. The exact rate varies depending on market conditions and liquidity pool utilization.

On the borrowing side, users can utilize their crypto assets to access liquidity without selling. By collateralizing ETH or some other supported token, they are able to borrow stablecoins in proportion to the value of their deposit. The loan is determined by the loan-to-value ratio, which differs according to the risk profile of the asset. This allows borrowers to access capital for other investments while retaining control over their collateral.

Mutuum Finance’s second presale stage has now begun, permitting early investors to buy tokens at $0.015 before the next stage price increases to $0.