It isn’t just another meme coin replacement. It’s building a framework that merges passive income opportunities with scalable infrastructure—all while still in its presale.
As SHIB struggles to find meaningful utility, investors are now steering their attention to Mutuum Finance (MUTM), which offers more than hype.
With transparent smart contract architecture, passive income generation, and a dynamic dual-model lending system, Mutuum Finance (MUTM) is quietly emerging as one of the most promising altcoins of this cycle.
Phase 6 presale is heating up
Mutuum Finance (MUTM) is currently in Phase 6 of its presale at a price of $0.035 per token. So far, it has already raised over $13.65 million, with 14,600+ holders locking in early positions.
Only 7% of the 170 million token supply has been sold, leaving plenty of room for growth. As the next presale phase pushes the price up by 15% to $0.040, early buyers stand to gain significant upside before the planned listing price of $0.06 is even reached.
This won’t just be about early entry—it will be about what the project is actually building.
At its core, Mutuum Finance (MUTM) will operate as a decentralized lending system that supports both peer-to-contract (P2C) and peer-to-peer (P2P) models, each built for different risk appetites and asset types.
In the P2C model, users will interact directly with audited smart contracts. A stablecoin lender who deposits 20,000 USDT will earn a 10% APY, resulting in a $2,000 annual return—automatically compounded through mtTokens.
These mtTokens will represent the user’s principal and interest, and can also be reused within the ecosystem for additional strategies.
There will be no fixed repayment deadlines—borrowers can repay at their own pace unless their Stability Factor drops below the protocol’s liquidation threshold.
The P2P model will cater to users seeking more flexible terms. For instance, a borrower will lock enough SHIBs as collateral to negotiate a $500 USDT loan at 12% interest for 30 days.
All terms will be enforced by smart contracts, and all loans will remain overcollateralized to ensure solvency.
From meme coins to market multipliers
Many seasoned crypto investors are no longer relying on hype-driven tokens alone—they’re making calculated moves toward projects with real utility.
One powerful example comes from a Dogecoin (DOGE) holder who reallocated $20,000 into Mutuum Finance (MUTM) during Phase 1, when the token was offered at just $0.01. That early entry gave them ownership of 2 million MUTM tokens.
Fast forward to today’s Phase 6, with the token now priced at $0.035, that same position has grown to an impressive $70,000—a 3.5× return before the project has even launched publicly.
And with the listing price set at $0.06, the same stake is poised to reach $120,000 upon launch, locking in a 6× return. That’s a level of pre-launch growth that even DOGE—despite its massive community—has struggled to match in recent cycles.
But the real excitement comes from Mutuum Finance (MUTM)’s post-launch forecasts. With features like stablecoin-powered lending, passive income staking, and an aggressively expanding DeFi roadmap, analysts expect the token to reach $0.20 or more in Q4 2025.
If that plays out, the DOGE investor’s $20K could swell to $400,000—a 20× return that clearly outpaces most meme tokens and altcoins during the same period.
This kind of strategic pivot—moving capital from speculative assets into emerging platforms with real fundamentals—is what sets early winners apart in every bull cycle.
And with Mutuum Finance (MUTM) still in its presale phase, opportunities like this may not be available for long.
Beta launch, audits, and bug bounty
With the beta launch of the protocol expected around listing and integration with Layer-2 scaling for faster and cheaper transactions, Mutuum Finance (MUTM) is shaping up as more than just a presale opportunity.
It is aiming to redefine how decentralized finance operates across lending, borrowing, and passive yield.
Security-wise, Mutuum Finance (MUTM) has passed a CertiK audit, achieving a Token Scan score of 95.00 and a Skynet score of 78.00. The audit was initially requested on February 25, 2025, and was revised on May 20, 2025, adding another layer of trust to the protocol.
Alongside this, the team has launched a $50,000 bug bounty and a $100,000 token giveaway, underscoring their commitment to safety and community engagement.
With more than 12,000 Twitter followers, the community is growing fast and appears ready to push the project into its next big phase.
In a market craving innovation, Mutuum Finance (MUTM) stands tall, building to offer working products, stablecoin infrastructure, passive income strategies, and scalable tech.
While meme coins like SHIB face an uncertain future, Mutuum Finance (MUTM) is busy building the next generation of decentralized finance, and the smart money is already paying attention.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
The post SHIB’s popularity fades while this newcomer builds real utility & grows fast appeared first on Invezz
