Mutuum Finance (MUTM) Gains 140% as Investors Shift from PEPE

Large-cap wallet holders are shifting their focus from meme-driven tokens like PEPE to utility-based alternatives, with Mutuum Finance (MUTM) emerging as a notable beneficiary. This transition indicates a strategic realignment towards opportunities that offer utility, robust token mechanics, and passive income potential, which can support sustained long-term returns.

Mutuum Finance stands out due to its function-first design, allowing users to unlock liquidity while retaining ownership of their existing assets. Through its decentralized lending structure, participants can lock in major cryptocurrencies such as Ethereum and Bitcoin as collateral and borrow stablecoins in return. This approach enables holders to retain exposure to long-term upside from their deposited assets while unlocking immediate liquidity for reinvestment, expense management, or exploring other opportunities without triggering capital gains or selling positions at unfavorable times.

For investors seeking passive income in crypto, Mutuum Finance offers a practical solution that does not rely on inflationary mechanics or volatile reward tokens. Instead, it generates protocol revenue through platform activity, which is used to purchase MUTM tokens from the open market and redistribute them to users, establishing a yield cycle directly linked to the platform’s activity.

Security and trust are paramount in decentralized finance, and the team behind Mutuum Finance has demonstrated a commitment to user safety by undergoing a full audit with CertiK, a leading name in smart contract verification. This move not only enhances user safety but also builds long-term credibility as the protocol scales.

With multiple layers of revenue, security, and real-world lending use cases, Mutuum Finance is more than just another DeFi project. It is building a system where investor participation is rewarded with real, on-chain utility, attracting the attention of former PEPE whales and long-term strategists alike.

With over 65% of the fourth presale phase already completed, MUTM remains available at a price of $0.025. However, this window is closing soon, as the upcoming phase will raise the price to $0.03, with the token set to officially launch at $0.06. This represents a 140% gain just from now to launch, without factoring in potential price movements once it starts trading on public exchanges.

What’s fueling this anticipation is the team’s intention to roll out a beta version of the Mutuum platform alongside the token launch, allowing users to start exploring and using its main features right from the beginning. This early utility gives the project a major edge, especially when many presale tokens launch without a working product.

With a product ready, a growing community, and strong tokenomics, analysts believe MUTM won’t just hover around its launch price. Estimates suggest it could reach between $0.80 and $1 in early trading, particularly if the token lands on major exchanges—a scenario that’s already considered likely given early demand and the protocol’s structure.

Rotations from meme tokens like PEPE into functional platforms like Mutuum Finance signal that investors are now valuing substance over hype. For those focused on both near-term upside and long-term return potential, MUTM is shaping up to be one of the best cryptocurrency plays of 2025. With the presale still open and the price increase to $0.03 approaching fast, now may be the final opportunity to get in before the public catches on. From $0.025 to a projected $1+, the upside is clear, and the foundations are already being laid.