In 2021, SHIB holders rode one of the most unexpected surges in crypto history. What started as a meme grew into a movement — but today, the game is shifting. A growing number of those early holders are now seeking projects that offer more than just excitement. They want functionality, a solid roadmap, and early entry into a project with actual staying power.

Currently priced at just $0.025 and with Phase 4 of its presale over 80% complete, MUTM is quietly being accumulated by traders who know how timing works. The next price step will be $0.03, followed by a confirmed launch rate of $0.06. For experienced holders — including those who caught SHIB early — this is exactly the kind of setup they’re watching for.

Mutuum Finance (MUTM)

What sets Mutuum apart is not marketing gimmicks — it’s a clear protocol designed for actual use. The project is centered around decentralized lending and borrowing, allowing users to unlock liquidity without selling their assets.

Rather than forcing traders to exit positions to access capital, Mutuum enables them to deposit crypto and borrow against it — retaining market exposure while still accessing flexible funds. It’s a simple concept with big implications: holders stay in control, and capital continues to work.

Borrowing power is based on Loan-to-Value (LTV) ratios, which adjust depending on asset volatility and collateral value. This means that each user’s borrowing capacity is tailored, allowing high-value tokens to be utilized efficiently without over-leveraging the system.

Lenders, on the other hand, deposit supported assets into the protocol and earn passive yield. The more borrowing activity grows, the more interest is generated — and that interest doesn’t vanish into thin air. It drives value directly back into the ecosystem.

A major reason analysts are calling MUTM one of the best cryptos to buy now is the way the token is supported after launch. As borrowing activity increases, a share of the protocol’s collected fees is allocated to purchasing MUTM tokens directly from the open market. This creates consistent buy pressure that grows as activity increases.

Rather than depending on market buzz or short-lived surges, the protocol is built to benefit consistent, long-term participation. As borrowing volume rises and treasury reserves strengthen, the market demand for the token naturally increases. This structure aligns long-term growth with actual platform use — a feature that meme-driven models like SHIB never had at the start.

SHIB holders are noticing that difference. Many of them made early gains on momentum, but now they’re looking for utility-backed projects that can maintain value over time.

Based on current demand models and community size projections, many experts believe MUTM could reach $2 in the long run — a realistic milestone given its mechanics, treasury growth, and upcoming platform rollout.

To understand what that means for early buyers, consider this: A $1,600 investment at the current price of $0.025 secures a strong foothold. When MUTM climbs to $2, that same position could be worth $128,000 — marking an impressive 8,000% gain from the entry point.

Unlike random speculative pumps, this growth projection is grounded in how the protocol works. With a fully functioning beta version planned for release alongside the token listing, users will be able to engage with the platform immediately. Lending, borrowing, and treasury operations will be live from day one — eliminating the lag between launch and utility that delays growth in so many other presale tokens.

Another cornerstone of the protocol is its mtToken system. By depositing assets into Mutuum, users are issued mtTokens that reflect their share in the protocol. These tokens represent the user’s share of the liquidity pool and automatically grow in redeemable value as interest accrues.

mtTokens also play a role in the reward cycle. Users holding them are eligible to receive redistributed MUTM tokens — the ones purchased by the protocol through platform revenue. This forms a self-sustaining loop where usage drives reward, and holding strengthens protocol alignment.

To further secure investor confidence, Mutuum Finance is undergoing a smart contract audit by CertiK, one of the most respected names in blockchain security. This verification is already in progress and adds an additional layer of protection as the launch approaches.

With nearly 10,000 holders already on board and over $8.5 million raised, community trust is growing. This platform isn’t running on hype alone — it’s being supported by substantial financial commitment.

In addition to all of this, Mutuum is running a $100,000 giveaway for presale participants. Participants who enter before the next phase begins will qualify for a chance to claim a portion of the prize pool. Full participation details can be found on the project’s official website — but the key takeaway is this: rewards are going out to those who get in early.

SHIB had its moment — and it was a big one. But in 2025, the new wave of interest is pointing toward functionality, real yield, and structure. That’s where Mutuum Finance (MUTM) stands out.

Still priced under $0.03 and with live features coming soon, it’s being called one of the next big cryptos for a reason. Whether you’re seeking long-term upside, reliable income through DeFi, or simply the best crypto to buy now before listings begin — MUTM has the setup.

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

Website: https://www.mutuum.finance/

Linktree: https://linktr.ee/mutuumfinance

DISCLAIMER – “Views Expressed Disclaimer: This article is not financial advice. Cryptocurrencies are volatile and unpredictable. Due diligence and caution are paramount. Views and opinions expressed are those of the authors and do not reflect the official position of any other author, agency, organization, employer or company, including NEO CYMED PUBLISHING LIMITED, which is the publishing company performing under the name Cyprus-Mail…more