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Shiba Inu (SHIB) has experienced a decline in its trading volume by 8%, settling at approximately $102.25M. This decrease reflects a broader downturn in the crypto market, with SHIB trading at $0.00001112 and a market cap of $6.55B. The meme coin has faced bearish pressure, declining by 1.77% over the past week. Despite a double bottom at $0.000010 and a bullish MACD, whale sell-offs and a 63% drop in the daily burn rate have hindered its recovery. A potential 2x rally to $0.000022 is possible if the $0.000013 resistance is broken, but global uncertainty poses risks of further declines to $0.0000102.
As the enthusiasm for meme coins wanes and SHIB’s trading volume drops, retail investors are shifting their focus towards real-yield DeFi protocols that offer long-term value. One project gaining traction is Mutuum Finance (MUTM), which combines lending, staking, and utility to provide income-generating opportunities that outperform hype-driven tokens. Currently priced at $0.03 during its presale, over 50% of Phase 5 has already been sold, indicating rising demand among users seeking reliable income and significant upside potential.
Unlike meme coins driven by sentiment, Mutuum Finance (MUTM) offers peer-to-contract (P2C) lending pools designed for stability and sustained returns. Users can deposit stablecoins like
and DAI, as well as leading assets like ETH, into smart contracts that dynamically generate yield. The smart contract adjusts interest rates based on supply and demand, allowing users to earn APY through mtTokens—interest-bearing assets that grow in value over time and serve as the backbone of the protocol’s passive income engine.The upcoming P2C lending infrastructure on Mutuum Finance (MUTM) will enable users to lock in returns by supplying capital to liquidity pools. For example, a depositor providing $15,000 in USDT will receive mtUSDT at a 1:1 ratio. At an average APY of 15%, determined by pool utilization, that depositor would be on track to earn $2,250 in passive income within a year. mtTokens are not just placeholders; they automatically accrue interest and can be used as collateral or staked in designated contracts for additional MUTM rewards.
Mutuum Finance (MUTM) plans to distribute dividends to long-term supporters by conducting buybacks from real protocol revenue and sending those purchased tokens to stakers. This rewards users based on usage-generated value rather than token inflation. The protocol is already backed by a CertiK audit with a Token Scan Score of 95, and a live $50,000 bug bounty campaign invites ethical hackers to continuously test the system, demonstrating the team’s commitment to smart contract security.
The current Phase 5 of Mutuum Finance (MUTM)’s presale has already surpassed the halfway mark, with over $11.50 million raised and more than 12,700 wallets participating. At this stage, the token is priced at $0.03, offering a significant entry advantage before the price increases in the upcoming phases. An investor allocating $3,000 today would receive 100,000 MUTM tokens at the current rate. With analysts and early backers eyeing a long-term target of $1.05 per token—a 35x increase—that stake could be worth $105,000 by the time the protocol reaches its initial potential. This projection is based on Mutuum’s expanding DeFi infrastructure, revenue-linked token model, and real utility.
Mutuum’s roadmap includes Layer-2 scaling for faster, cheaper transactions, a decentralized overcollateralized stablecoin built for borrowing, and a full beta lending platform expected to go live with the token launch. These milestones give the token real value momentum heading into 2025 and reinforce investor conviction. To accelerate adoption, Mutuum Finance (MUTM) is also running a $100K giveaway with 10 winners set to receive $10,000 worth of tokens each. This campaign has triggered one of the fastest wallet growth spikes in DeFi this month, indicating that the retail crowd is already pivoting to protocols that combine growth and sustainability.
While SHIB remains a popular name, its declining volume signals that the retail crowd is looking elsewhere. The market is shifting toward projects that offer income, security, and utility—and Mutuum Finance (MUTM) checks all the boxes. With its presale price still locked at $0.03 and a roadmap full of catalysts, every hour of delay means higher entry costs later. Early believers are already accumulating, and the question remains: who buys now—and who pays more in the next phase.

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