In late April 2025, the SEC announced that it had delayed the XRP ETF decision until June 17, 2025. Franklin Templeton has over $1.5 trillion in assets under management and is one of the world’s biggest asset managers. Its applications signal a rising interest in crypto assets by institutional investors.
At the time, the SEC said it needed more time to consider the proposal in full. If it goes live, it could lead to some gains for XRP. However, those gains are not expected to be very huge, as Ripple Labs still controls a large supply of unspent XRP coins.
Amid growing institutional interest in crypto, it presents an opportunity to add crypto to your portfolio. To get the most returns, you should pick coins that are at the bottom of their prices. These are tokens that display potential but have not been given the room to grow yet. A good example of this is Mutuum Finance (MUTM), which is still in its presale phase.
A deep dive into Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is built as a decentralized, non-custodial protocol where users can deposit their assets for an opportunity to earn interest. The interest rate that they earn on their assets is determined by the pool utilization rate.
Borrowers can also deposit collateral in these communal pools to access the assets locked in them. To ensure the long-term health of the protocol, the team has made some unique design decisions.
Overcollateralization on Mutuum Finance
One of the unique aspects of Mutuum Finance is that all borrowing is overcollateralized. That is used to ensure that the protocol can deal with market fluctuations, which are normal in the crypto sector. Ensuring there is enough of a moat allows for the use of incentives to keep a loan from becoming insolvent.
If the collateral drops below a set limit, some of the collateral can be liquidated. The liquidators are incentivized using a liquidation bonus, which they acquire when they buy collateral at a discount to repay the debt. The mechanism is used to ensure there is a healthy buffer between assets and liabilities in the protocol.
A resilient stablecoin design
Mutuum Finance plans to launch with a stablecoin, whose design is meant to ensure long-term stability. The stablecoin is pegged to the USD through market forces. As a decentralized stablecoin on Ethereum, it is minted when users deposit collateral that is worth more than the value of the minted stablecoin, just like other loans on Mutuum Finance (MUTM).
When a user repays their loans or the position is liquidated, the stablecoin is returned to the Mutuum Finance (MUTM) protocol, and those coins are burned. That ensures that the supply of stablecoins is adjusted based on the actual demand and the on-chain overcollateralization.
Unlike the standard borrowing process, where part of the interest goes to liquidity providers, all the interest for minted stablecoins goes to the Mutuum Finance treasury, which strengthens protocol reserves over time.
The Mutuum Finance (MUTM) stablecoin has several unique elements compared to the standard borrowing process. One of these is that there are no separate liquidity pools for each asset. As such, all interest payments go into the protocol’s treasury.
Another unique aspect of the Mutuum Finance (MUTM) stablecoin is that it can be minted using a multi-asset position. This contrasts with stablecoins on other DeFi protocols that use single-asset vaults, where each collateral is in a separate position.
In Mutuum Finance, the multi-asset approach ensures that one deposit can contain several assets, which ensures that the stablecoin is resilient to the sudden volatility of one asset. For users, the borrowing process does not change. Once they deposit their assets, they can generate the stablecoin.
The design ensures more flexibility, especially when it comes to managing exposure to volatility. If a position is underpinned by several assets, users do not need to juggle multiple stability factors and vaults. When the user wants to enhance their overcollateralization, they can deposit more assets without needing to refactor separate positions for every asset.
The MUTM token presale
Mutuum Finance (MUTM) is currently in Phase 5 of the presale, having raised over $10.55 million to date. The tokens in the current phase are going for $0.03, a 20% increase from phase 4, when the tokens were going for $0.025.
In the upcoming phase 6, the token price will go up by 16.67%, to $0.035. That will also lead to a reduction in the guaranteed ROI based on the $0.06 listing price from 100% to 71.435%. So far, around 12,000 buyers are participating in the presale.
Many buyers are scrambling to get their tokens before the ROI drops. Over 35% of the tokens set aside for phase 5 have already been sold, barely two weeks after it launched.
You, too, have an opportunity to participate in this life-changing presale. At the low price of $0.03, you can join one of the most revolutionary defi protocols of 2025.
For more information about Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
DISCLAIMER – “Views Expressed Disclaimer: This article is not financial advice. Cryptocurrencies are volatile and unpredictable. Due diligence and caution are paramount. Views and opinions expressed are those of the authors and do not reflect the official position of any other author, agency, organization, employer or company, including NEO CYMED PUBLISHING LIMITED, which is the publishing company performing under the name Cyprus-Mail…more
