Mutuum Finance Presale Surpasses $14.74M as SHIB and PEPE Drop 11.2% and 15.9%

Analysts are increasingly shifting their attention away from stagnant meme coins like SHIB and PEPE toward Mutuum Finance (MUTM), a presale project with a novel lending model that is being positioned as the most promising new token of Summer 2025. Both SHIB and PEPE have struggled in recent weeks, with SHIB recording a -11.2% decline and PEPE down by -15.9% in the past month, signaling a lack of momentum [1]. Despite strong community followings, these tokens have failed to break out of a prolonged consolidation phase, leaving traders in limbo [2].

In contrast, Mutuum Finance (MUTM) is in its presale Phase 6, with the token price at $0.035. So far, the project has raised over $14.74 million, with 24% of the 170 million token supply sold and more than 15,550 holders onboarded. The project has also passed a CertiK audit and achieved a Token Scan score of 95 and a Skynet rating of 78, building a level of trust typically absent in meme tokens [3]. The presale’s early participants, who entered at $0.01, are already seeing 250% paper gains, while new buyers at $0.035 could potentially see a 71% upside if the token lists at $0.06 [3].

At the heart of Mutuum Finance’s appeal is its peer-to-contract (P2C) lending model. This system allows lenders to deposit blue-chip crypto assets into non-custodial liquidity pools, where they can earn yields as high as 14% annually. For instance, a $20,000 deposit in SOL could yield $2,800 in passive income per year. The dynamic interest rate mechanism ensures that the system remains flexible, adapting to liquidity demand and offering competitive returns to lenders while providing access to capital for borrowers [3].

The protocol also supports a peer-to-peer (P2P) lending model for more volatile assets, such as SHIB and PEPE. These markets are isolated to minimize risk to the broader platform, allowing for experimentation with meme coins without compromising the stability of the core system. For example, a lender could earn 25% annualized interest on a six-month loan secured by $1,000 worth of PEPE, generating $125 in return [3].

Analysts are optimistic about Mutuum Finance’s potential to outperform traditional meme tokens due to its structured lending mechanics and broader utility. The project’s roadmap includes a beta launch alongside its token listing, integration with Layer-2 solutions, and the development of a $1 stablecoin. These features suggest a more sustainable ecosystem compared to the speculative nature of SHIB and PEPE [3]. Additionally, a $50,000 bug bounty program and a $100,000 giveaway are enhancing both security and community engagement ahead of the platform’s official launch.

With anticipated listings on major exchanges like Binance, KuCoin, and Coinbase, Mutuum Finance is expected to gain increased liquidity and accessibility. This infrastructure, combined with a buy-and-distribute mechanism that rewards stakers with purchased MUTM tokens, is seen as a catalyst for long-term demand [3]. As the crypto market continues to evolve, the shift from hype-driven tokens to utility-based protocols like Mutuum Finance is being viewed as a strategic move by investors seeking more grounded growth opportunities.

Source: [1] 1 Reason to Buy SHIB (https://www.aol.com/1-reason-buy-shib-013400589.html)

[2] Why This Viral Meme Coin 'Little Pepe' Is the Talk of ... (https://cryptonews.com/press-releases/why-this-viral-meme-coin-little-pepe-is-the-talk-of-crypto-in-2025-presale-ongoing/)

[3] SHIB and PEPE Are Stuck, Analysts Call This the Most Promising New Crypto of Summer 2025 (https://timestabloid.com/shib-and-pepe-are-stuck-analysts-call-this-the-most-promising/)

[4] Trump's Meeting Could Have Major Consequences (https://timestabloid.com/trumps-meeting-could-have-major-consequences-how-will-it-affect/)