币界网报道：Background information: As June draws to a close, investors are looking for quality cryptocurrency opportunities priced below $0.06. In this price range, many tokens rely mainly on hype, but a few have real utility and ecological value. Main content: Mutuum Finance (MUTM) is a decentralized lending protocol that is currently in the pre-sale stage at a price of $0.03 and has raised approximately $10.85 million. The protocol allows users to earn passive income by depositing a variety of crypto assets through a peer-to-contract (P2C) and peer-to-peer (P2P) lending system. After depositing assets, users will receive interest tokens (mtTokens) representing the value of the deposit, which can be used for collateral or secondary market transactions. The P2P model supports lending of tokens including Shiba Inu (SHIB), Dogecoin (DOGE) and Pepe (PEPE). Mutuum Finance also plans to launch a decentralized stablecoin pegged to the US dollar, which will be minted when borrowing and destroyed when repaying or liquidating to ensure the stability of the stablecoin. The total supply of MUTM tokens is 4 billion, with a pre-sale price of $0.03 and an expected listing price of $0.06. The protocol will use part of the profits to repurchase tokens and distribute them to mtToken holders, incentivizing users to participate in the security module and increase liquidity. The project has been audited by CertiK and integrates Layer-2 support to increase transaction speed and reduce fees. Community support continues to grow, with more than 12,000 token holders and more than 10,000 Twitter followers, and a $100,000 coin giveaway is currently ongoing. Potential impact: Compared with tokens that rely mainly on community sentiment, such as SHIB, Mutuum Finance provides a more complete ecosystem and actual income tools, with strong growth potential and practical value.