The post Best Cryptos to Buy Now, Analysts Say This Under-$1 DeFi Crypto Could Outpace SHIB appeared first on Coinpedia Fintech News
Meme coins like SHIB, PEPE, and DOGE made people rich in the last bull run. But the market is now looking for tokens that do more than ride hype. Analysts believe the next big story could come from real utility projects under $1. One name keeps appearing in crypto predictions — Mutuum Finance (MUTM). It’s not just another meme or AI trend token. It’s a working DeFi project building a lending system with staking, rewards, and a growing community. The big question now is simple — what if the next 10x opportunity doesn’t come from a meme but from a DeFi token still priced under $0.04?
Phase 6 Presale Momentum
Mutuum Finance (MUTM) is gaining strong traction in its Phase 6 presale. With a total supply of four billion tokens, the project has already raised over $18.22 million. The current presale price is $0.035, and more than 17,600 holders have already joined. Around 80% of this phase’s 170 million tokens are already sold. As per the recent X post by official handlers, buyers can use credit or debit cards without limits to buy MUTM tokens, which makes participation easier than ever.
The next phase will increase the price to $0.04, giving early buyers an instant edge. Analysts expect MUTM to reach $0.35 as the DeFi launch approaches, with some forecasting gains of up to 20X from the presale price. This post launch growth is expected to come from increasing demand, staking rewards, platform revenue, and token buybacks. Once Phase 6 ends, the price jump will be automatic, making now one of the best times for those searching for the best cryptocurrency to invest today.
What Is Mutuum Finance (MUTM)?
Mutuum Finance (MUTM) is a DeFi lending platform that connects lenders and borrowers through two systems. The first is Peer-to-Contract (P2C), where users deposit assets like USDT or ETH into secure smart contracts. Borrowers then access liquidity directly from these pools. The second is Peer-to-Peer (P2P), where users lend directly to each other under custom terms.
Lenders receive mtTokens, which show their share in the pool and grow in value over time. These mtTokens can later be staked to earn MUTM rewards. This design creates real utility and consistent token demand, unlike meme coins that rely on hype alone. For live testing and experiencing the features, the V1 of the protocol is expected to launch on Sepolia Testnet in Q4 2025. It will include lending pools, mtToken and DebtToken systems, a Liquidator Bot for safety, and support for ETH and USDT as lending/borrowing/collateral.
Expanding the DeFi Ecosystem
Mutuum Finance (MUTM) plans to introduce its own stablecoin system soon. It will let users mint a $1-pegged coin by locking assets such as ETH, SOL, or AVAX. Each mint or repayment will create new transactional demand for MUTM. This will form a self-sustaining loop where token usage supports platform growth.
Future staking and buyback programs will use platform revenue to repurchase MUTM tokens and distribute them to mtToken stakers. This “buy-and-distribute” design rewards active users and strengthens long-term token demand, setting the stage for continuous ecosystem expansion.
Borrowers on Mutuum Finance (MUTM) will enjoy stable interest rate options. This means they can lock in predictable rates for their loans. The platform calculates these rates based on market data, balancing fairness for both borrowers and lenders. When markets move sharply, the protocol will adjust rates to keep the system healthy. It works like fixing a home loan — users pay a bit more upfront but gain peace of mind knowing their payments stay stable.
Secure Lending Through Collateral, Community Growth and Security
Every loan on Mutuum Finance (MUTM) is protected by over-collateralization. Borrowers must post assets worth more than what they borrow. The protocol uses a “Stability Factor” to monitor risk. If collateral values drop below safe levels, automated liquidation will protect lenders. Liquidators can buy that debt at a discount, keeping the system balanced and safe.
Mutuum Finance (MUTM) has built a strong and growing community. Its $100,000 giveaway rewards ten lucky winners with $10,000 in MUTM each. A daily leaderboard is live, where the top investor of the day earns $500 in MUTM. The dashboard allows users to track their holdings and projected ROI in real time. The project already has over 12,000 followers on social media, showing strong organic traction. Like SHIB, Mutuum’s community matters — but here, participation brings real rewards, not just hype.
The Mutuum Finance (MUTM) smart contracts have been reviewed by CertiK, one of the top blockchain auditors. The project achieved a TokenScan score of 90.00 and a Skynet score of 79.00. There’s also a $50,000 Bug Bounty Program that rewards users who find and report issues, with payouts up to $2,000 for critical findings. This transparent approach builds confidence and protects investors in ways meme tokens never did.
The Final Word
SHIB grew from community power, but it had limited real use. Analysts predict SHIB’s 2025 price could reach around $0.00003. Mutuum Finance (MUTM), on the other hand, is backed by an operating ecosystem. Its lending, staking, and revenue-sharing models are designed for sustainability. With a growing user base and clear roadmap, analysts project MUTM could see a 10x to 15x rise from current presale levels.
With 80% of Phase 6 already sold, time matters. Investors entering at $0.035 are expected to see major upside as Mutuum Finance (MUTM) moves closer to launch. This is not just another hype coin. It’s a complete DeFi movement with working products, real mechanics, and a clear vision — proving that the next SHIB moment might come from real utility.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance