Mutuum price

MUTM

Overview Mutuum is a DeFi platform merging P2C and P2P lending, enabling diverse assets to be borrowed or supplied with overcollateralization. It balances stable and riskier tokens by splitting them into separate modes, granting both risk-averse and adventurous users a unified environment. Non-custodial architecture, regular audits, and a safety mechanism uphold security without traditional governance structures.

Technology Using an account-based approach, Mutuum divides lending into two channels: - P2C Model: Assets flow into shared pools, with borrowers tapping into these reserves based on collateral and utilization-dependent interest rates. - P2P Model: Users directly negotiate loans for speculative tokens, protected by smart contracts that trigger liquidation when the borrower’s Stability Factor falls below safe levels.

Collateralization relies on price oracles and automated checks, so undercollateralized positions are partially liquidated before harming the broader ecosystem. Depositors receive mtTokens, which grow in value as borrowers repay, ensuring an integrated yield experience. Mutuum also supports an on-demand stablecoin where interest flows back to protocol revenue.

Tokenomics MUTM is central to fees, dividends, and optional security measures: - Dividend Mechanism: Regular buybacks use protocol income to acquire MUTM, which is then distributed to stakers, sustaining buy pressure and rewarding long-term participants. - Staking and Safety Module: By staking MUTM or mtTokens, users help stabilize the system against severe market shocks and earn a portion of protocol revenue—at the risk of partial slashing in emergencies. - Overcollateralization and Fees: Borrowers pay interest through either P2C pools or P2P deals. A fraction of these fees funds dividend distributions, reinforcing Mutuum’s financial base.

Overall, Mutuum provides a flexible, dual-model lending platform for both mainstream and speculative cryptocurrencies. By combining transparent fees, frequent audits, and user-centric design, it aims to expand DeFi opportunities while maintaining robust, non-custodial security.