Mutuum is a decentralized, non-custodial liquidity protocol on the Ethereum blockchain that facilitates seamless interactions between lenders, borrowers, and liquidators. Lenders can deposit their cryptocurrency assets into Mutuum's liquidity pools to earn interest, while borrowers can obtain overcollateralized loans by providing sufficient collateral. This system operates on a Peer-To-Contract (P2C) model, connecting participants through a shared liquidity pool, thereby enhancing capital efficiency. Interest rates adjust dynamically based on pool utilization, ensuring a balanced and responsive ecosystem.
In addition to the P2C model, Mutuum offers a Peer-To-Peer (P2P) model that allows users to directly lend and borrow more speculative assets, such as PEPE or SHIB, while maintaining the protocol's overall security. This approach enables the inclusion of higher-risk assets in a dedicated
crypto marketplace. Mutuum also provides users with the flexibility to choose between variable and stable borrowing rates, catering to different risk preferences.
