Mutuum — ICO

Mutuum (MUTM): Redefining Lending and Borrowing in DeFi

Mutuum is transforming decentralized finance with a bold vision: to make lending, borrowing, and passive earning more accessible, efficient, and rewarding for everyone. Built on a non-custodial infrastructure, Mutuum ensures you stay in control of your assets while unlocking powerful new earning opportunities. Whether you want to earn yield on your idle crypto or borrow against your holdings, Mutuum offers a streamlined experience with deep liquidity and dynamic risk management.

A Dual-Model Protocol for Maximum Flexibility

At the core of Mutuum’s innovation is its dual lending model. Through the Peer-to-Contract (P2C) system, users deposit crypto into shared liquidity pools where interest rates adjust based on real-time utilization. For those seeking more adventurous opportunities, the Peer-to-Peer (P2P) model enables direct trades of high-volatility assets like SHIB and PEPE, contained within a secure, isolated environment. This smart separation balances risk while catering to a wide range of user profiles.

Smarter Borrowing, Better Rewards

Mutuum offers both variable and stable interest rates—giving borrowers the freedom to tailor their experience. While variable rates follow market demand, stable options offer predictability for long-term strategies. On top of that, contributors can earn passive rewards. Profits from the platform are used to repurchase MUTM tokens from the open market, then redistributed to participants—creating strong buy pressure and aligning long-term incentives.

Security, Control, and Transparency

Your crypto remains yours—always. Mutuum is fully non-custodial, meaning no central party ever holds your funds. The platform has undergone rigorous third-party audits and is open-source, allowing anyone to inspect the code. From day one, Mutuum was built for security, trust, and user empowerment.

Scalable, Multi-Chain Future

Starting on Ethereum, Mutuum plans to expand across multiple blockchain ecosystems—both EVM and non-EVM—bringing in new communities, more liquidity, and broader utility. With instant access to liquidity, collateral-based borrowing, and a roadmap full of advanced features, Mutuum is positioned for long-term growth.

Tokenomics That Drive Growth

MUTM, the native token, powers everything within the Mutuum ecosystem—from governance to staking and dividend payouts. With a total supply of 4 billion, the allocation favors community and growth:

• 45.5% Presale
• 10% Ecosystem Growth
• 10% Liquidity Mining & Incentives
• 10% Shortfall Reserve
• 10% Exchange Liquidity
• 5% Partnerships
• 5% Incentives & Giveaways
• 4.5% Team & Founders