Decentralized Liquidity Solutions for Everyone
Join Mutuum Finance to lend, borrow, or liquidate crypto assets seamlessly in a decentralized environment designed for efficiency and growth.
Mutuum Finance 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.
Transforming Borrowing and Lending In Decentralized Finance
Mutuum Finance is a pioneering decentralized liquidity protocol that revolutionizes the borrowing and lending landscape. It provides a seamless experience for users to engage as lenders, borrowers, or liquidators.
At Mutuum Finance, we offer overcollateralized loans, liquidity pools, and efficient funding solutions that enhance the cryptocurrency ecosystem. We are recognized for our innovative approach to decentralized finance.
Our mission is to redefine financial transactions by harnessing the power of blockchain technology and community participation.
Innovative Services for Every User
Lending Solutions
Earn interest by depositing crypto assets into liquidity pools with our lending solutions.
Borrowing Opportunities
Access overcollateralized loans using your crypto assets as collateral with ease.
Liquidation Services
Participate in liquidity management by utilizing our liquidation services.
Why Choose Us?
What Our Users Are Saying
Mutuum Finance is a decentralized protocol that enables users to lend and borrow various digital assets through both pool-based (P2C) and direct (P2P) models. It aims to offer accessible liquidity, flexible interest rates, and a broad selection of supported tokens-catering to diverse risk profiles and strategies within the evolving DeFi ecosystem.
Borrowing with collateral allows users to unlock liquidity without selling the assets they already hold, potentially avoiding capital gains taxes or missing out on future market growth. For instance, someone who believes their ETH will appreciate might deposit it as collateral to borrow stablecoins and invest elsewhere, or cover immediate expenses, while still retaining exposure to ETH’s price movements. A trader could also borrow to set up hedging strategies, amplify yields via leveraged positions, or seize timely opportunities in other parts of the market – all without relinquishing ownership of key assets.
Mutuum plans to distribute passive dividends by using a portion of its protocol revenue to buy MUTM tokens on the open market. Those purchased tokens are then sent to safety-module participants who stake mtTokens in designated contracts. By staking, you become eligible for these dividends whenever the protocol executes a buyback and distribution cycle, ensuring that long-term contributors benefit from both ecosystem growth and additional MUTM rewards.
Liquidations occur when a borrower’s collateral becomes insufficient to cover their outstanding debt, causing the protocol to sell or seize part of that collateral to recover the loan. If market conditions or price fluctuations drive your Stability Factor below the required threshold, Mutuum can trigger a liquidation event to protect the broader liquidity pool. While it ensures the protocol remains solvent, timely monitoring and maintaining healthy collateralization can help users avoid liquidation.