Dogecoin Drops 4.37% as Meme Coin Momentum Fades, Mutuum Finance Gains Traction

Dogecoin (DOGE) experienced a decline of 4.37% over the past week, reaching a price of $0.16117 with a market capitalization of $23.9 billion. This drop was attributed to the fading momentum of meme coins. Despite this, there are indicators suggesting a potential 2.5x rally to $0.40. These indicators include a 102% surge in new addresses and a 70% rise in futures open interest. However, there are also risks associated with a descending triangle pattern and bearish funding rates, which could lead to a drop to $0.13.

Despite the recent decline, Dogecoin remains popular within the meme coin community. The drop to $0.16117 has sparked interest in early-stage projects with stronger fundamentals. One such project is Mutuum Finance (MUTM), which is currently in Phase 5 of its presale at $0.03. The project has raised over $11.7 million, secured 12,700+ holders, and 60% of the Phase 5 allocation has already been claimed. The momentum behind this project is significant, especially with Phase 6’s price set to rise to $0.035.

Mutuum Finance (MUTM) is introducing an innovative lending ecosystem that offers two separate models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). These models are designed to serve different lending needs while working together to generate actual demand, sustainable returns, and higher utility for the MUTM token. DOGE holders are finding new purposes for their assets, not just trading them but putting them to use in a yield-generating environment.

Unlike traditional DeFi platforms that only offer pooled lending or single-rate structures, Mutuum Finance (MUTM) allows lenders to use stablecoins and blue-chip tokens like BTC, ETH, and SOL in P2C contracts. Borrowers provide overcollateralized crypto, and interest rates adjust based on pool utilization. When demand increases, the interest rate grows, maximizing rewards for depositors. This setup is particularly beneficial for investors seeking higher returns during lending cycles.

For more speculative assets like DOGE, PEPE, or SHIB, Mutuum’s P2P structure allows users to negotiate custom loan terms, offering higher flexibility and returns without putting the core lending pool at risk. A DOGE investor can earn additional income by offering loans directly to borrowers who prefer to use memecoins as collateral. This feature is rarely seen on other platforms and is drawing serious capital into the protocol.

To make returns even more tangible, Mutuum issues mtTokens for every asset deposited. A user lending $15,000 in SOL will receive mtSOL at a 1:1 ratio. These mtTokens grow in value as interest builds. With a 10% average APY—dependent on pool activity—the user would generate $1,500 in passive income over 12 months. And because these mtTokens can also be staked, there’s additional dividend yield available for those who lock their positions.

Borrowers also benefit as someone who doesn’t want to sell their SOL can use $1,000 worth of it as collateral and borrow up to 70% of its value—based on the LTV ratio for SOL. That means they get liquidity while still holding their SOL, giving them exposure to any future price growth.

While Dogecoin (DOGE) loses steam, a number of large holders are diversifying into Mutuum Finance (MUTM). One notable DOGE whale recently invested $68,000 into Phase 5 of the presale at $0.03 per token, securing approximately 2,266,667 MUTM tokens. With the listing price locked at $0.06, this investment will be worth $136,000 at launch—representing a 2x gain before the token even hits exchanges.

The same trend is visible on-chain: over 1,800 new wallets joined in the past 10 days, a clear signal that both retail and larger players are moving in with serious conviction. These early participants are securing a guaranteed 2x return simply from the fixed listing price. But many analysts believe the real upside goes far beyond that. At a post-listing target of $0.21, that same $68,000 investment would grow to $475,999, delivering exactly a 7x return. If MUTM hits the high-end projection of $0.30, the portfolio would reach $680,000—a full 10x gain from the original entry.

For those who missed the early-stage growth of Binance Coin (BNB), Avalanche (AVAX), or Solana (SOL), this may be the clearest opportunity in 2025 to catch a high-utility DeFi token before the market re-prices it. These estimates are based on multiple upcoming milestones: the beta platform’s launch at listing, a Layer-2 chain to reduce transaction costs, and the platform’s overcollateralized stablecoin still in development—all of which are designed to drive up platform usage and deepen protocol revenue.

Mutuum Finance (MUTM) uses fees collected from its lending services to fund token buybacks and staking rewards. That means every user action feeds back into the ecosystem, creating ongoing demand and reducing the available supply of MUTM tokens in circulation. With no inflation-driven reward model, these buybacks serve both investors and protocol health.

Only 60% of Phase 5 tokens remain, and with the Phase 6 price locked in at $0.035, buyers entering now get both a price advantage and stronger exposure to future upside. The combination of smart whale moves, protocol revenue, and an expanding roadmap is setting up Mutuum Finance (MUTM) as one of the most overlooked DeFi launches of the year.

For Dogecoin (DOGE) holders or any investor looking for more than sentiment-driven spikes, this may be the most strategic entry point available in the sub-$0.05 market. At $0.03, the 2.5x potential isn’t hype—it’s already built into the mechanics.