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Despite Cardano (ADA) showing a surprising increase in total value locked (TVL), its price has taken a notable hit, dropping 14.3%. This disconnect between on-chain activity and market valuation is raising eyebrows among investors searching for more consistent growth backed by tangible utility.
While ADA grapples with this puzzling trend, another project is gaining momentum with a more user-focused DeFi model that blends flexibility and real returns. Mutuum Finance (MUTM) is positioning itself as an alternative that could offer better upside this summer, thanks to its innovative lending system and growing community support.
Cardano (ADA) Falls Despite TVL Surge
Bitcoin (BTC) fell 5.1% to ~$113,231, triggered by renewed U.S. tariff tensions, including 25% levies on Canada and Mexico and 10% on China, announced by President Trump, per CoinDesk. The decline, erasing $6.5 billion in market cap, was exacerbated by a third major profit-taking wave, with $6–8 billion in realized gains and an OG whale selling 80,000 BTC ($9.54B) on July 25, per CryptoQuant.
Exchange inflows surged to 70,000 BTC, signaling heavy selling, while $228 million in long liquidations added pressure, per CoinGlass. Technical indicators show BTC testing $112,000 support, with RSI at 27.17 (oversold) and resistance at $116,713. Despite $55 billion in ETF inflows, macro fears, including a weak U.S. jobs report, weigh on sentiment. A rebound above $116,000 could target $121,500, but a break below $112,000 risks $110,000.
Mutuum Finance (MUTM) P2P and P2C
Mutuum Finance (MUTM) will set itself apart with a dual lending system that will address the needs of different market participants. The Peer-to-Peer (P2P) lending model will provide genuine customization and efficiency rarely seen on other platforms. For example, a borrower will be able to lock up $5,000 worth of FLOKI tokens to secure a $3,000 USDC loan at a 60% Loan-to-Value ratio for just 30 days.
Meanwhile, the lender will enjoy a 14% interest return over the same period. This direct lending relationship will offer both parties the freedom to negotiate terms that suit their risk appetite and timelines, making it highly attractive for traders and holders of speculative tokens who want to leverage their assets without selling.
Complementing this will be the Peer-to-Contract (P2C) lending model, which will cater to more risk-averse users seeking stable and passive income streams. Consider a lender depositing $20,000 of MATIC tokens into a BUSD lending pool that will operate at 70% capacity. This lender will earn a steady 9.1% APY, equating to $1,820 per year in passive income.
Beyond the interest, lenders will receive mtTokens that will represent their stake in the pool, which they will be able to stake in the smart contracts further to earn MUTM token rewards. This layered earning potential will enhance overall returns and will encourage longer-term participation, supporting token demand and ecosystem growth.
These two complementary lending models will provide a balanced approach that will meet the diverse needs of the crypto community, contrasting with Cardano (ADA)’s slower, more generalized smart contract environment that will continue to struggle to convert TVL growth into price gains.
Strong Presale Momentum and Proven Investment Gains
Mutuum Finance (MUTM) is currently in Phase 6 of its presale, with 15% of this phase sold at a token price of $0.035. The project has raised $14.25 million and boasts over 15,100 token holders, reflecting growing interest and confidence. Security is a priority, confirmed by CertiK’s thorough audit which awarded the MUTM token a score of 95 and a Skynet rating of 78, reassuring investors about smart contract safety.
The project’s social presence is also healthy, with a Twitter community exceeding 12,000 followers. Early supporters are rewarded through a $100,000 giveaway spread across 10 winners who will each receive $10,000 worth of MUTM tokens, while a $50,000 bug bounty program encourages ethical hackers to help strengthen the platform.
As Cardano (ADA)’s price falters despite growing TVL, Mutuum Finance (MUTM) is building to offer a fresh story supported by practical DeFi applications and expanding user adoption. Its hybrid lending system empowers both conservative and risk-tolerant users, while the presale momentum and strong audit results build trust. With an upcoming beta launch and Layer-2 enhancements poised to boost speed and reduce costs, MUTM stands out as a well-positioned alternative for investors seeking meaningful growth this summer.
Cardano (ADA)’s current struggle to convert activity into price appreciation contrasts sharply with Mutuum Finance (MUTM)’s rising trajectory, which is firmly rooted in growing real DeFi utility and an engaged community. For those looking beyond headline numbers, MUTM presents a compelling case to be the next big player capturing the market’s attention and delivering outsized returns.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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