Mutuum is a decentralized liquidity protocol that enables users to lend, borrow, and earn interest through overcollateralized crypto loans. It operates a peer-to-peer model, allowing users to directly lend and borrow more speculative assets, while preserving the protocol's overall security. Mutuum also offers variable and stable borrow rates, passive dividend yield, and a non-custodial, multi-chain, and open-source platform.