Mutuum Finance Surpasses Shiba Inu With 65% Token Sales In Presale

Mutuum Finance (MUTM) is emerging as a significant player in the decentralized finance (DeFi) space, quietly surpassing the once-popular meme coin Shiba Inu (SHIB). While SHIB's ecosystem has largely been driven by speculative momentum, Mutuum Finance is focusing on delivering real utility through its revenue-generating lending infrastructure. At just $0.03 in Phase 5 of its presale, over 65% of tokens have already been sold, raising $11.9 million from more than 12,800 participants. This success is attributed to its peer-to-peer (P2P) lending system, token-powered staking rewards, and Layer-2 scalability, which are positioning it to leap ahead in the DeFi race.

Mutuum Finance's P2P lending model introduces a new way to monetize digital assets. Unlike centralized systems or generic pool-based lending, Mutuum allows users to craft their own loan agreements with full control over interest rates, loan durations, and collateral options. This model eliminates the need for a shared pool, enabling borrowers and lenders to deal directly with each other. Assets like SHIB, PEPE, or DOGE are supported as collateral within this system, allowing users to turn once-passive meme holdings into leverageable capital. By isolating riskier assets in P2P, Mutuum protects its broader ecosystem while still allowing users to extract value from volatile tokens. This flexibility opens the door for more aggressive yield strategies and unlocks opportunities for previously unsupported assets.

In the P2C model, for example, someone holding $5,000 in ETH or SOL can use it as collateral and borrow up to 70% of its value, depending on the loan-to-value (LTV) ratio. This allows users to keep exposure to future growth while using the borrowed funds elsewhere. On the lending side, risk-tolerant investors have the opportunity to earn higher yields by offering loans directly on their terms, priced to match volatility. This approach not only enhances the utility of digital assets but also provides a more stable and predictable income stream for participants.

Mutuum Finance's token economics are designed to reward users over the long term. The MUTM token serves as the financial backbone of the protocol, used to distribute dividend rewards and support ecosystem incentives. A portion of protocol revenue will be used to buy MUTM from the open market and redistribute it to users who stake their mtTokens into designated smart contracts, turning long-term participation into recurring, usage-driven income. For those contributing liquidity into Mutuum’s P2C lending pools, they’ll receive mtTokens in a 1:1 ratio. These mtTokens increase in value as interest accumulates, and users can even stake them in special contracts to earn passive dividends in MUTM.

Security is a top priority for Mutuum Finance. The protocol has undergone a detailed CertiK audit, receiving a 95/100 Token Scan Score and a 77 Skynet score. A $50,000 bug bounty program is also live, providing incentives for white-hat developers to test vulnerabilities across all severity tiers. This level of transparency and protection has attracted the attention of institutional wallets and developers. Performance is also central to the experience, with Layer-2 scalability baked into the roadmap. The platform will support faster transactions and lower fees, fixing key pain points common in Ethereum-based DeFi. This means smaller investors and power users alike will benefit from frictionless access to lending, borrowing, and staking—all while preserving decentralization.

This infrastructure is already influencing smart capital. A known SHIB whale recently swapped $27,000 worth of SHIB into MUTM, citing an expected 5x–8x return before year-end. Analysts tracking protocol traction now predict MUTM may outperform SHIB by 3x in early 2026 based on utility-driven adoption, platform rollouts, and yield dynamics. With the token still in presale and the next pricing phase approaching fast, Mutuum Finance is one of the few assets left offering a clear utility path, a dual lending engine, and scalable token economics—all at a fraction of its expected launch valuation.

While Shiba Inu may have won the meme war, Mutuum Finance is quietly winning the DeFi race—one custom loan at a time. Early adopters know this window is closing quickly. Once the next phase begins, today’s price advantage will be gone for good. For more information about Mutuum Finance, visit the links provided.