Could This Early DeFi at $0.035 Outshine Meme Coins as Pepe Plummets 15.8% and Shiba Inu Volume Spikes?

The meme coin craze is showing signs of exhaustion. Pepe (PEPE) has dropped 15.8% this week, while Shiba Inu (SHIB) has seen a sharp spike in volume—often an early warning signal of heightened volatility and short-term profit-taking. For many traders who once banked on these speculative tokens, the ride is becoming unsustainable. As a result, attention is now turning toward real DeFi projects offering tangible returns and structured mechanisms.

One of the standout names capturing that shift is Mutuum Finance (MUTM), an emerging decentralized lending platform that combines token staking, real APY generation, and non-custodial smart contracts into a dual-reward ecosystem. Instead of relying on hype-driven pumps, Mutuum Finance (MUTM) is being designed to reward users with sustainable yields and consistent token growth, even while still in its presale phase.

Pepe (PEPE) Down 15.8% and Shiba Inu (SHIB) Volume Spikes

Pepe (PEPE) crashed 15.8% in a week, trading at ~$0.00001052 with a 24-hour volume of $981.3 million, per CoinMarketCap, as meme coin enthusiasm wanes. The decline, coupled with a 37.58% drop in trading volume, reflects investor pivot to utility-driven tokens like Rollblock, per Bitcoinist

Shiba Inu (SHIB), despite a 3.12% daily rise to $0.00001407, saw its trading volume surge 164% to $227.7 million, driven by a 2,753% burn rate spike removing 600 million tokens. However, SHIB’s 14% weekly dip and declining network activity signal fading momentum. Both coins face challenges from a cooling meme coin sector, with PEPE’s lack of utility and SHIB’s massive 589 trillion token supply limiting upside. Investors are eyeing newer tokens as market sentiment shifts.

From Hype to Utility: Why DeFi Investors Are Flocking to Mutuum Finance (MUTM)

The core of the Mutuum Finance (MUTM) model lies in mtTokens—these are interest-bearing tokens minted 1:1 when users deposit stablecoins or blue-chip crypto into lending pools. These mtTokens automatically accrue interest over time based on pool utilization, enabling users to grow their asset value passively. But that’s only one layer of reward.

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Users of mtTokens will also gain access to smart contract-based staking modules where they can lock their tokens and earn MUTM tokens as a form of dividend. These rewards will not be printed endlessly but will be purchased from the open market using protocol-generated revenue—meaning MUTM’s value will be supported by actual activity and platform usage.

Mutuum Finance (MUTM) is also building out two complementary lending models. In the Peer-to-Contract (P2C) structure, lenders earn passive APY from borrowers who take out loans against their deposited assets. A typical P2C borrower might use ETH or USDC as collateral, unlocking capital while maintaining market exposure. Meanwhile, the Peer-to-Peer (P2P) model introduces more personalized loan agreements, giving lenders and borrowers the freedom to negotiate terms directly for rarer tokens or higher risk profiles.

This isn’t just theoretical. Mutuum Finance (MUTM) is already testing these mechanisms within a Layer-2 beta environment, focusing on faster transactions and lower gas fees. Unlike meme coins, which exist largely as speculative assets, Mutuum Finance (MUTM) is laying the groundwork for a full-fledged DeFi economy built on real use cases.

Presale Momentum Builds As Early Investors Lock In Gains

While the meme market cools off, Mutuum Finance (MUTM) is gaining traction in its presale. The token is currently in Phase 6, priced at $0.035, with over 10% of its 170 million Phase 6 allocation already sold. More than 14,800 holders have joined the ecosystem, with over $13.9 million raised to date. With Phase 7 locked in at $0.040—a 15% increase—those who delay may miss the window to buy at these lower levels.

Consider this: A Phase 2 buyer who rotated out of Dogecoin (DOGE) at the start of the presale is now up 2.5x, based solely on price appreciation. With the listing set for $0.06, gains of over 70% from current levels are still on the table for Phase 6 participants. The token’s 4 billion total supply is designed to scale with protocol growth while remaining deflationary through buybacks and revenue-driven rewards.

Security and credibility have also been a priority. The protocol has undergone a detailed audit by CertiK, receiving a strong Token Scan score of 95.00 and a Skynet rating of 78.00. A $50,000 bug bounty is in place to further reinforce smart contract safety, ensuring that early participants can engage with confidence. Meanwhile, a $100,000 giveaway campaign is actively attracting new users, with ten winners set to receive $10,000 in MUTM each.

Roadmap

Mutuum Finance (MUTM) Finance’s roadmap is structured into four strategic phases to guide the platform’s evolution from launch to full functionality. Phase 1, Introducing Mutuum Finance (MUTM), has largely been completed and included key milestones such as the token presale, marketing campaigns, giveaways, a third-party smart contract audit, and listings on tracking platforms

This phase also introduced an AI-powered helpdesk, with educational content and legal team formation still pending. Phase 2, Building Mutuum Finance (MUTM), is currently underway and centers on developing core smart contracts, front-end and back-end infrastructure, advanced features, and risk parameters, all supported by continuous internal and external audits

Phase 3, Finalizing Mutuum Finance (MUTM), will focus on testing the platform through a testnet demo, establishing a bug reporting system, and completing full platform development. It also includes preparing for exchange listings and aligning with regulatory standards. The final phase, Delivering Mutuum Finance (MUTM), will launch the live platform, activate token claims, initiate institutional partnerships, expand to multiple chains, and implement enhanced features to support long-term growth.

What sets Mutuum Finance (MUTM) apart is the fact that its model is built to reward long-term engagement, not fleeting hype. Instead of funneling value to insiders or developers, the protocol channels earnings back to its users—those who stake, lend, and hold mtTokens.

As the DeFi space matures and retail traders grow weary of meme volatility, projects like Mutuum Finance (MUTM) stand out by offering substance over speculation. And with the presale still open at $0.035, the opportunity to get in ahead of the next price jump is right now—not after.

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

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