.png)
.png)
Maximize Earnings
Minimize Effort
Lend, Borrow, Contribute and Earn with Mutuum
Meet Mutuum
Mutuum (MUTM) is a decentralized,
non-custodial liquidity protocol that enables users to engage as lenders, borrowers, or liquidators.
Lenders deposit their crypto assets into Mutuum’s liquidity pools to earn interest, while borrowers can
obtain overcollateralized loans by securing them with sufficient collateral.
Lenders contribute
to liquidity by depositing cryptocurrencies into a pooled contract. Concurrently, borrowers can access
these funds by providing collateral within the same contract. This system does not require individual loan
matching but instead operates based on the collective pool of funds and the associated collaterals and
borrowings.
Peer-To-Contract (P2C) Model
The P2C model connects lenders and borrowers via a shared liquidity pool, boosting capital efficiency. Depositors earn interest on supplied funds, while borrowers provide overcollateralized collateral to ensure stability. Rates adjust dynamically based on usage, fostering a balanced ecosystem.
Peer-To-Peer (P2P) Model
The P2P model allows users directly lend and borrow more speculative assets like PEPE or SHIB while preserving the protocol’s overall security. By isolating these volatile tokens in a dedicated marketplace, users can explore a wider range of trades. This approach enables the inclusion of assets typically avoided in the P2C environment due to their higher risk.
Variable and Stable Borrow Rates
Mutuum offers users the option to choose between variable and stable borrow rates to best meet their preferences and provide greater predictability for those who desire it. Variable rates fluctuate based on pool utilization, while stable rates remain fixed, ensuring predictable repayments.
Passive Dividend Yield
Users can passively receive dividends derived from the platform's profits. Mutuum purchases its native token, MUTM, at market price and distributes it to users who contribute to the platform's security. This approach not only rewards users but also applies strong and consistent buying pressure on the platform's token.