币界网报道：Dogecoin (DOGE) made investors rich early on through virality, but it actually lacks real DeFi mechanics or utility. That’s why traders seeking high returns in Q3 are now turning to Mutuum Finance (MUTM) — a decentralized finance protocol that offers customized lending options, passive income mechanisms, and functional use cases designed for long-term sustainability. Currently in presale at just $0.03, Mutuum Finance (MUTM) has attracted over 12,300 holders, completed a $100,000 giveaway, and raised about $11 million. At launch, the team plans to release a beta version of the protocol. A $2,000 investment at current prices would be worth $60,000 at 30x, and that value is backed by actual protocol infrastructure, not market hype. P2P Lending Support for Meme Tokens Mutuum Finance is building a P2P (peer-to-peer) lending system that allows users to lend crypto assets directly to other users without relying on liquidity pools. Each lender will set the term, asset type, and interest rate of the loan - creating personalized loans that are rarely possible on traditional platforms. A key feature is support for tokens like Dogecoin (DOGE), Shiba Inu (SHIB), and Pepe (PEPE), which are typically excluded from centralized lending protocols. Mutuum will enable users to lend or borrow in a decentralized environment, unlocking profit potential in areas previously considered unbanked. The P2P model creates flexibility in risk profiles. Users can decide their expected returns and choose who to lend to, while borrowers retain control of their collateral. Since loans will remain overcollateralized, the platform will remain solvent and reduce counterparty risk. mtTokens and Passive Income Linked to Dividends When users deposit assets into Mutuum’s pool-based Peer-to-Contract (P2C) model, they receive mtTokens. These are interest-bearing tokens that represent the deposit amount and accrue yield based on real-time pool usage. As more users borrow from the pool, the interest rate rises, increasing the value of the mtTokens held by depositors. mtTokens are more than just deposit receipts, they are part of Mutuum Finance’s long-term income system. Users will be able to stake mtTokens in designated security modules to earn dividends. These dividends will come from protocol revenues, which the team will use to purchase MUTM tokens on the open market and distribute them to stakers. To support these rewards, Mutuum Finance will use protocol profits to conduct MUTM token buybacks on the open market. These purchased tokens will then be distributed to mtToken stakers in designated contracts. This buyback and distribution model directly links platform performance to users’ passive income. Protocol Infrastructure Designed for Long-Term Growth Mutuum Finance’s ecosystem is under development with Layer 2 integration for increased speed and lower gas fees. This decision addresses the congestion issues faced by users on the Layer 1 chain and ensures better scalability as adoption increases. One of the upcoming features is the launch of a decentralized stablecoin. This stablecoin is minted when users borrow assets such as ETH and destroyed when the loan is repaid or liquidated. It will maintain its peg to $1 through governance-controlled interest rates, overcollateralization, and arbitrage. Only approved issuers can mint stablecoins, and each issuer has a predefined cap to limit risk. Borrowers will pay interest on their loans, and this income will contribute to the protocol’s internal economy — supporting sustainability through buybacks and MUTM staking rewards. Mutuum Finance has undergone a security audit by CertiK, one of the most respected blockchain auditing firms. The project received a TokenScan Score of 80.00 and a CertiK Skynet Rating of 75.56. These scores reflect the solid foundation of protocol security and reliability — especially for a project still in presale. Unlike Dogecoin (DOGE), which surged on media hype and community speculation, Mutuum Finance (MUTM) combines growth potential with proven DeFi mechanisms. Its P2P lending structure, support for meme tokens, mtToken-based yield model, stablecoin ecosystem, and audited smart contracts provide functionality and credibility. With the token price at just $0.03 and the beta version expected to go live with mainnet activation, traders entering now are getting a head start. The infrastructure is built for long-term performance, but the window of opportunity for maximum upside is shrinking as the presale phase ends. For those seeking quick profits with real protocol utility, Mutuum Finance (MUTM) is laying the foundation to become one of the most strategic DeFi on-ramps for Q3. More about Mutuum Finance (MUTM)Please visit the following links: Website:https://mutuum.com/Linktree:https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored article and is provided for informational purposes only. It does not reflect the views of Crypto Daily and is not intended to be used as legal, tax, investment or financial advice