With Shiba Inu (SHIB) structurally lower by 8% over the past week, the focus of the investor base is shifting more towards utility focused projects such as Mutuum Finance (MUTM) . The first investors will receive a guaranteed minimum return of 300% when MUTM token goes live. The project has already raised over $15.25 million and over 15,950 investors on board. As traders look forward to a potentially bullish Q4, Mutuum Finance stands out as a next-generation decentralised finance (DeFi) protocol that is building a real-world use case and ecosystem all in one. Shiba Inu Resist Market Volatility The current market price of SHIB is close to $0.00001245 with a slight negative weekly impact of 6-7%. Despite this impact on the sentiments in the meme coin world, the SHIB ecosystem is continuing to grow through projects such as token burning and Shibarium. At the same time, DeFi projects related to utilities such as Mutuum Finance are gaining more and more attention from investors. Mutuum Finance Phase 6 Presale Mutuum Finance is at presale Stage 6 for $0.035 per token. Cost will go up 14.29% to $0.04 in next phase. With more than 15,950 investors involved and having successfully raised over $15.25 million, the presale is off to an incredible start, and enjoys significant confidence from early adopters. USDT Stablecoin on Ether Mutuum Finance will release an overcollateralized USD-pegged stablecoin on Ethereum The stablecoin is intended for daily use, for decentralised applications and for long-term portfolio stability, increasing usability and trust in the platform. Dual-Lending: DeFi Infrastructure Future-Proof Mutuum Finance is a dual-lending protocol that may be run with automation and user interaction for maximum efficiency. Peer-to-Contract (P2C) lending smart contracts dynamically change their interest rates (in real time) based on market supply and demand using self-executing smart contracts. Peer-to-peer (P2P) lending: This form of lending allows lenders and borrowers to transact directly, eliminating intermediaries and offering more flexibility and transparency. This dual approach positions Mutuum Finance as a secure, future-resistant infrastructure that ensures financial inclusion, high returns, and opportunities for both retail and institutional investors. Its focus on security, transparency, and scalability forms the foundation for a sustainable and expansion-ready DeFi ecosystem. Mutuum Protocol Overview Mutuum’s dynamic interest rate another smart contract solution for liquidity management. Borrow rates are determined by utilisation, with low rates providing incentives to borrow (and enhance capital efficiency) when capital is plentiful, and higher rates (with accompanying deposit incentives) promoting repayment and drawing deposits during times of scarcity. Stable rates can be used for resource borrowers who are looking for predictability. These fees will usually be higher than variable ones but can be tweaked if the market conditions change to a drastic extent. Only sufficiently liquid assets can be used as collateral to obtain stable-rate borrowing. The protocol promotes a strong risk management based on parameterised assets. Borrowers must over-collateralize and liquidators are rewarded for smoothing under-collateralized loans. Secondary markets enforce limits, including restrictions such as collateral requirements (expressed in terms of high-risk tokens), deposit and borrow constraints to limit exposure to volatile or illiquid asset classes. Improved Borrowing Capacity: Correlated assets predict even greater borrowing capacity, and LTVs limit borrowing based on collateral themselves. Liquidation thresholds and penalties are necessary to keep the protocol solvent and reserve factors are there to generate some interest (so it doesn’t default and causes market extreme conditions). Price discovery is based on solid oracle infrastructure. Permissions data stream will provide reliable pricing for USD and native assets like, ETH, MATIC, and AVAX on a chainlink data feed. Aggregated feeds, oracle standards/fallbacks, and on-chain DEX metrics serve to further sanitise, ensuring valuations are reliable and arrive in a prompt and accurate fashion for downstream collateral management & liquidation operations. Stability and Security Measures Mutuum Finance has established an official Bug Bounty Program with a $50,000 USDT reward pool, rating vulnerabilities as critical, major, minor, and low in severity. The project is also running a $100,000 community giveaway , where 10 investors will be rewarded with $10,000 worth of MUTM tokens each. While SHIB struggles near $0.00001245, Mutuum Finance is attracting significant attention from early adopters. The project is already taking the lead as the next big player in the crypto market. For more information about Mutuum Finance (MUTM), visit: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance
