Shiba Inu (SHIB) has long been a star of meme-coin hysteria, making day traders millionaires overnight during its 2021 bull run. As the market matures, though, investor attitudes are hardening. Increasingly, investors are coming to the view that pure hype is insufficient to ensure long-term growth. Though SHIB has a strong fan base and sporadic flare-ups of interest, the absence of substantial utility has had investors questioning whether its best years are yet in the past. Volatility is intensifying as whales broaden their collections, so the hunt for the next breakout project with real utility is intensifying.

That’s where Mutuum Finance (MUTM) enters the spotlight. Priced at just $0.035 and now in Phase 6 of its presale, over 65% already sold out, Mutuum Finance has become one of the most talked-about up-and-coming DeFi projects of 2025. Unlike meme coins that rely on sentiment, MUTM offers a functional ecosystem that blends Peer-to-Contract liquidity pools with Peer-to-Peer lending, allowing users to maximize capital efficiency within a single, integrated platform. This dual-layer model not only strengthens liquidity but also positions the project as a sustainable force in the decentralized finance sector. For investors ready to move beyond speculation and into substance, MUTM might just be the opportunity that defines 2025.

Shiba Inu Price Forecast: Serene Before the Following Pump?

Shiba Inu (SHIB) remains firm at its lower levels of support, demonstrating remarkable strength despite general market indecision. Analysts point out that this consolidation area can be a key base prior to the next potential upturn, with holder sentiment remaining optimistic but cautious. “Calm down, the pump is coming” remains a familiar refrain throughout the SHIB ecosystem, as investors look towards a breakout that can help reinvigorate the meme coin’s fortunes. 

And as long as SHIB remains stable at these key levels, traders are looking wider towards new presale projects such as Mutuum Finance (MUTM), a development that highlights a growing desire to look towards new horizons.

Mutuum Finance (MUTM) Dominates in Presale 

Interest in Mutuum Finance’s (MUTM) presale remains strong with more than 17,040 investors putting more than $17.35 million in the project. Aggressive demand like this is an indication of the future potential of the project.

The protocol reaches ultimate collateral efficiency by Loan-to-Value (LTV) ratio that is computed with highest accuracy, nearly on undercollateralized loans. There remains also shock buffer reserve set aside to absorb market shock, and surer reserves are invested judiciously on risk-free assets. The design enables the ability to absorb shocks without sacrificing the general wellness of the system with stable, strong, and sustainable DeFi platform.

Lending and Borrowing Protocol Launch in Q4

Mutuum Finance is developing a future-proof decentralized lending and borrowing protocol. The initial release of the protocol will be made on  Sepolia Testnet  in Q4. The product will feature liquidity pools, mtTokens, debt tokens, liquidator bot, etc. ETH as well as USDT will be used as collateral for borrowing/lending and will provide the users of the platform with a lightning-fast, high-speed, as well as easy-to-use experience within the DeFi scene. 

Mutuum Finance also launched a $50,000 USDT Bug Bounty Program with the help of CertiK. The program rewards white-hat hackers along with security researchers in return for giving them codebase bug details.

Forget Shiba Inu, Mutuum Finance (MUTM) May be the Smart 2025 Play

Though Shiba Inu (SHIB) continues to retain sentimental value, limited usability causes investors to look to something with depth. That’s exactly what MUTUM Finance (MUTM) offers. Despite a price of only $0.035 during Phase 6 of the presale as well as being already 65% sold out, MUTM has secured over $17.35 million from over 17,040 investors as distinct markers of building confidence as well as trajectory.

As a peer-to-contract and peer-to-peer double-layered DeFi platform, Mutuum Finance pursues enhancing the capital stability as well as the efficiency in fluctuating markets. The Q4 2025 Sepolia Testnet release as well as the CertiK-sponsored $50,000 Bug Bounty Program secure its credibility further.

For investors who are willing to venture beyond meme coins, the real-life utility as well as the long-term potential of Mutuum Finance positions it towards the top of the most attractive under-$1 cryptos of 2025.