Meme coins have had their time in the spotlight. PEPE and SHIB have shown impressive price moves, often driven by social momentum and retail speculation. While these assets still capture attention on trading platforms and forums, their trajectories remain largely tied to community-driven hype cycles. Mutuum Finance (MUTM) , however, is positioning itself with something entirely different: a functioning ecosystem designed for long-term value. Now priced at just $0.025 during its presale, and with utility already built into its design, MUTM is quickly being recognized by investors as a new crypto coin with substance—and one that may soon outpace many of its meme-based counterparts. PEPE & SHIB Over the last few weeks, PEPE surged by more than 70% in a matter of days, backed by social buzz and rapid buying from retail traders. However, analysts have pointed out that such price movements often occur in the absence of meaningful infrastructure or token functionality. Sustainability in such projects usually relies on continued interest rather than core usage. Shiba Inu (SHIB), despite having a broader ecosystem and active developer community, still trades largely on sentiment. While efforts like SHIB’s Shibarium layer and community growth initiatives have added some weight, its valuation still hinges heavily on speculative interest rather than consistent platform utility. Both coins are known more for their popularity than their mechanics. Mutuum Finance takes a very different approach. Mutuum Finance (MUTM) Unlike coins that rely on virality, Mutuum Finance (MUTM) is being built to generate value through real financial operations. At its core, Mutuum functions as a decentralized protocol where users can engage in lending and borrowing without giving up control of their assets. What sets MUTM apart is how it turns protocol activity into long-term holder benefits. As borrowers repay loans, a portion of the interest they pay is used to buy MUTM tokens from the open market. These tokens are then redistributed to liquidity providers, directly rewarding those who contribute to the protocol’s ecosystem. This creates a self-reinforcing demand loop. Increased platform activity drives greater demand for the token, which in turn contributes to upward pressure on its value. It’s a utility-driven model that ties token appreciation directly to platform usage, not just hype. Users who deposit assets into Mutuum’s protocol receive mtTokens—tokenized representations of their deposits that automatically grow in redeemable value. This happens without staking or external reward pools. Instead, mtTokens accumulate value through interest generated by borrowers in real time. This makes MUTM one of the best cryptocurrency to invest in for those seeking passive income backed by actual economic activity. It’s an ecosystem where value is not promised but earned through a functioning system. Mutuum’s presale is currently in Phase 4, with over 87% completed, and the token is still priced at $0.025. Once this round concludes, the price will rise to $0.03, with the launch price set at $0.06. What makes this moment especially significant is that the team has confirmed a beta version of the platform will be released at launch, giving users immediate access to live borrowing and lending features right as the token goes public. This is where long-term investors see the difference. While others are waiting for functionality, MUTM is preparing to go live with working DeFi tools, a token utility cycle, and a revenue-sharing model that rewards participation. Why it may outpace PEPE and SHIB SHIB and PEPE rely heavily on market sentiment, while MUTM is anchored in real usage. It doesn’t need a trending hashtag to stay relevant—it needs users, and it’s already attracting them. With a model focused on yield generation, on-chain growth, and internal demand, MUTM is setting itself up as the next big crypto for serious portfolios. Those looking for which crypto to invest in before the market turns often overlook quiet projects like this—until the price reflects the work behind it. To reward early participants, Mutuum Finance is running a $100,000 giveaway. Anyone who joins during the presale can still participate. Details on how to qualify are available on the official website—and there’s still time to enter before the next pricing phase begins. While meme coins chase attention, MUTM is building momentum the sustainable way. With a clear structure, passive income tools, and platform utility going live at launch, it’s not hard to see why more analysts and investors are calling this one of the best crypto coins to buy now. The presale won’t stay open much longer—and when the market catches on, the gap between hype and substance will be more obvious than ever. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.finance/ Linktree: https://linktr.ee/mutuumfinance The post This new coin may outpace PEPE, SHIB — MUTM's growth model shows why appeared first on Invezz
