Canada has just approved an XRP (XRP) exchange-traded fund (ETF), becoming the first major country to greenlight institutional access to the asset outside of Bitcoin (BTC). The move marks a pivotal moment in blockchain adoption, signaling a broader recognition of digital assets with utility beyond store-of-value narratives. This shift unlocks room for a new class of opportunities—especially in decentralized finance (DeFi), where real yields, collateralized lending, and non-custodial access are already taking form.
While XRP’s institutional exposure is now expanding, early DeFi participants are searching for the next move—where value isn’t just theoretical, but built into the protocol design itself. One such project still flying under the radar is Mutuum Finance (MUTM). This decentralized liquidity protocol, priced at just $0.03, is currently in the fifth presale phase, with 50% of this round already sold. Based on its economic architecture and growth strategy, it is being recognized as a real contender for a 12x move post-listing, especially as capital rotates into functional, yield-ready ecosystems.
MUTM Aligns with Post-ETF DeFi Demand
What distinguishes Mutuum Finance (MUTM) in this ETF environment is its combination of sound tokenomics and scalable design. As centralized ETFs draw attention to Layer 1 and legacy coins, agile investors are looking for tokens with direct utility, transparent mechanics, and upside potential linked to participation rather than speculation. Mutuum Finance (MUTM) is designed to deliver precisely that.
At its core, the protocol allows users to lend or borrow in a non-custodial, overcollateralized environment. Lenders contribute assets to pooled contracts and receive mtTokens—dynamic tokens that represent their share of the liquidity pool, plus ongoing interest. These mtTokens are liquid, usable as collateral, and designed to appreciate in value in line with borrowing activity.
On the borrowing side, users will lock up major digital assets and receive stablecoins that are minted directly based on collateral ratios. These stablecoins will remain pegged to $1 through a smart governance model that adjusts borrowing rates based on market conditions. This approach ensures that yield remains viable while the peg remains intact, offering DeFi-native income without speculative exposure. Minting and burning mechanics, arbitrage incentives, and liquidation logic work together to safeguard system integrity.
What makes this structure even more appealing for investors watching the post-ETF market is the plan for MUTM token buybacks, executed using a portion of protocol revenue. Purchased tokens will be redistributed to users who stake in the protocol’s designated contracts. This creates real economic demand for the token, aligning long-term value with user participation—not fleeting hype.
Once the token lists, the combination of revenue-driven demand and built-in staking dividends will reinforce both value appreciation and token velocity. Early buyers entering at $0.03 will stand at the front of the line for these gains—especially considering the planned listing price of $0.06, with additional upside built into protocol growth.
Full Ecosystem With Growth Triggers Already Lined Up
Beyond the core lending mechanics, Mutuum Finance (MUTM) is rolling out additional infrastructure that supports long-term utility and adoption. Its Layer 2 integration will allow for faster transaction speeds and lower costs, making it attractive for larger capital deployment and retail participation alike.
The protocol is also fully audited by CertiK, with a Skynet Score of 75.56, giving confidence to early buyers and whale investors looking to enter with assurance. Over 12,450 wallets already hold MUTM, a number that is expected to grow rapidly as the presale progresses and the platform’s beta version launches in the upcoming development phases.
One of the standout features that reinforces community participation is the $100,000 giveaway, where ten winners will be awarded $10,000 worth of MUTM each. This initiative not only rewards early involvement but also accelerates user acquisition ahead of the beta rollout and staking module activation.
With stablecoin functionality, peer-to-peer lending for volatile tokens, and governance-controlled risk limits, Mutuum Finance (MUTM) is offering a full suite of features designed for real market use—not just speculative exposure.
For investors seeking real upside from current levels, now is the final moment to enter at the Phase 5 discounted price of $0.03, before the price increases to $0.035 in the next stage. As institutional markets wake up to DeFi mechanics, this quiet-stage project is already preparing for post-listing momentum—with real tools, real economics, and a community-backed foundation already taking shape. DeFi participants who missed XRP’s ETF rally now have a second chance. And this time, it starts below 10 cents.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
