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Why Major Institutions Are Choosing MUTM’s Hybrid Lending Approach Instead of BTC/ETH

Why Major Institutions Are Choosing MUTM’s Hybrid Lending Approach Instead of BTC/ETH

Bitget-RWA2025/09/27 10:16
By:Coin World

- Institutional investors are shifting capital from BTC/ETH to MUTM, a DeFi lending platform with hybrid P2C/P2P models offering scalable yields and structured risk management. - MUTM’s presale raised $16.4M with 16,600 holders, projecting 9,900% gains by 2026 through beta adoption, exchange listings, and Layer-2 integration. - Overcollateralization, CertiK audits, and a buy-and-distribute model enhance MUTM’s security and liquidity, aligning with institutional demand for predictable returns. - Analysts hi

Why Major Institutions Are Choosing MUTM’s Hybrid Lending Approach Instead of BTC/ETH image 0

More institutional investors are shifting their funds away from

(BTC) and (ETH), and are instead turning to alternative coins that offer structured yields and promising long-term prospects. Mutuum Finance (MUTM), a decentralized lending protocol, is gaining traction as a preferred choice among institutions. Experts point to MUTM’s innovative dual lending system—which merges peer-to-contract (P2C) and peer-to-peer (P2P) lending—as a standout feature, delivering steady returns and scalable functionality. As aims for $200,000 and nears $3,100, projections suggest MUTM could lead the sub-$1 market, with the potential for 1,000% growth by 2026 title1 [ 1 ].

Mutuum Finance’s P2C pools enable users to deposit stablecoins or major assets like ETH and BTC, earning variable annual yields depending on liquidity usage. For instance, depositing $15,000 in USDT could generate $2,250 per year at a 15% APY. The platform maintains solvency through overcollateralization, with loan-to-value ratios up to 75% for stablecoins and 35–44% for more volatile assets such as

or . The P2P lending option further spreads risk by allowing direct deals for higher-risk tokens, resulting in a hybrid approach that optimizes both liquidity and returns title2 [ 2 ].

MUTM’s robust security measures have strengthened institutional trust. The project received a Token Scan score of 90 from a CertiK audit and launched a $50,000 bug bounty. Additionally, a $100,000 prize pool for ten winners encourages further engagement. The platform’s buy-and-distribute system uses lending fees to repurchase MUTM tokens, which are then distributed to mtToken stakers, directly connecting platform activity to token demand. This, together with overcollateralized stablecoin issuance, supports ongoing liquidity and treasury expansion title5 [ 4 ].

Analysts point out MUTM’s disciplined risk management strategy. Features like liquidation thresholds and reserve factors generate consistent income, while adaptive interest rate adjustments help keep yields stable. Institutional participants are especially drawn to MUTM’s transparent operations, which offer clear repayment timelines and set reserve boundaries. A prominent altcoin investment fund predicts a 60-fold return by the end of 2025, with the token potentially reaching $1.80 if stablecoin usage and network activity meet expectations title8 [ 5 ].

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Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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