Solana (SOL) ETF Filings Spark 3% Rally, Why Smart Money Is Focusing on a DeFi Protocol Under 4 Cents

Solana (SOL) rallied 3% over the past week, reaching $151.21 with an $80.9B market cap, driven by updated SEC filings for spot Solana (SOL) ETFs from issuers like VanEck, 21Shares, and Fidelity. The filings, including staking provisions, boosted investor optimism, with $33M in trading volume for the REX-Osprey Solana (SOL) + Staking ETF (SSK) on its July 2 debut. A bullish inverse head-and-shoulders pattern and $2.11B in DEX volume signal a 1.5x rally to $220, per CoinMarketCap data. However, $157 resistance and $15M in long liquidations risk a pullback to $135, as noted on X. Despite a 2.05% daily gain, profit-taking and a $3B token unlock concern could cap gains.

But behind the scenes, larger moves are unfolding as smart capital shifts toward higher-upside DeFi protocols. One project quietly gaining serious traction is Mutuum Finance (MUTM)—a lending protocol that combines real passive income mechanics, dual lending models, and a robust DeFi-first roadmap. Still priced under $0.04, MUTM is now catching the attention of major investors looking beyond short-term ETF headlines.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is currently in Phase 5 of its presale at $0.03, with over 13,000 holders already on board. More than 68% of tokens in this phase are sold, and the next stage will increase the token price to $0.035. The project has raised around $12.00 million so far, pointing to strong momentum ahead of its Beta launch and mainnet rollout.

The reason behind this quiet accumulation is Mutuum’s lending architecture—designed to support two distinct systems: peer-to-contract (P2C) and peer-to-peer (P2P).

In the P2C system, users will be able to deposit blue-chip assets like ETH or stablecoins like USDC into non-custodial lending pools. These assets will be used to issue overcollateralized loans, and the interest rate will dynamically adjust based on demand. Lenders will receive mtTokens, 1:1 receipts of their deposits, which will grow in value automatically with interest. These mtTokens will then be staked to earn dividends sourced from protocol revenue, creating multiple income streams within a single asset.

The P2P system will open even more doors. It will allow lenders and borrowers to negotiate custom terms. A lender might offer a $10,000 loan (if agreed upon) against $20,000 in SHIB, DOGE, or even PEPE. Every agreement will be secured through overcollateralization and automated liquidation, offering both parties flexibility and security. This approach will avoid centralized pricing models, giving power back to the user and unlocking new possibilities for underutilized tokens.

This dual model will not only appeal to conservative DeFi users but will also attract risk-tolerant investors seeking better yields on alternative tokens—all while staying fully on-chain and transparent.

Utility That’s Built to Last

Beyond lending, Mutuum Finance (MUTM) is building a stablecoin ecosystem that will run on protocol-held assets like ETH and BTC. The stablecoin will only be minted when users borrow against collateral and burned upon repayment or liquidation. Governance will manage borrowing rates, helping maintain a $1 peg without relying on centralized reserves. Arbitrage mechanisms and strict overcollateralization ensure system health while fueling long-term protocol growth.

Mutuum has also passed a thorough security audit by CertiK and launched a $50,000 bug bounty, inviting ethical hackers to stress-test the system before launch. Security and transparency are core values, especially with the protocol preparing to onboard thousands of users with its Beta platform, scheduled to go live at token launch.

To reward early participation, a $100,000 giveaway is also underway—ten lucky winners will each receive $10,000 worth of MUTM tokens.

As market attention zeroes in on ETF-driven price movements, the smart money is clearly looking further ahead. Projects like Mutuum Finance (MUTM) are combining real-world utility, advanced lending technology, and early investment opportunity in a way that most centralized coins simply can’t match. With a 4 billion token supply and only a limited number of tokens remaining at $0.03, the Phase 5 window is rapidly closing.

Investors who caught Phase 1 at $0.01 are already up 3X. Those entering now still have a shot at doubling their gains as the price climbs to $0.06—and beyond. With institutional Bitcoin reserves breaking past $1B and retail momentum accelerating in DeFi, this could be one of the last opportunities to join a high-growth protocol before it hits the public radar.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance