The crypto market has often rewarded those who embrace utility-first innovation rather than hype-driven speculation. While memecoins like SHIB and DOGE attracted attention for their viral momentum, they have struggled to deliver deeper financial utility. Ethereum (ETH) pioneered decentralized finance, yet as its ecosystem matures, investors seeking exponential upside are looking toward newer platforms with real revenue models. This is where Mutuum Finance (MUTM) is stepping forward, positioning itself as the DeFi project that will merge lending revenue, stablecoin liquidity, and Layer-2 efficiency into a presale that already has early BTC investors excited. Real DeFi over memecoin hype Mutuum Finance (MUTM) will not rely on speculation to generate value. Instead, it is building a decentralized, non-custodial protocol where lenders, borrowers, and liquidators interact through two powerful mechanisms: peer-to-contract (P2C) pools and peer-to-peer (P2P) isolated deals. The protocol will also issue mtTokens as proof-of-deposit assets. These will grow in value from accrued interest and will be stakeable in designated smart contracts to earn MUTM rewards that are funded through platform-generated buybacks. A governance-controlled $1 stablecoin will deepen liquidity on-chain, keeping the system anchored and providing stability to market participants. The numbers speak clearly to how utility creates tangible value. A lender entering the P2C market will commit $21,500 USDC into an active pool at 15% APY, tracked through mtUSDC, and will earn $3,200 annually. On the borrower side, a user pledging $30,000 in BNB at 70% LTV will unlock $21,000 without needing to liquidate holdings, keeping exposure to market growth while freeing liquidity. Meanwhile, P2P lending will provide tailored deals: a SHIB lender will be able to set terms at 30% APY for 35 days on $4,800, with the system supporting partial fills to manage counterparty risk. This balance between standardized P2C pools and custom P2P deals will ensure that Mutuum Finance (MUTM) attracts a diverse user base—retail participants, advanced traders, and institutions alike. It also addresses the growing question crypto is a good investment by presenting an ecosystem that is engineered for long-term revenue, not just speculative cycles. A presale that rewards early movers Currently in Phase 6 of its presale, Mutuum Finance (MUTM) is priced at $0.035. The project has already raised approximately $15.04 million, with 28% of tokens sold and more than 15,800 holders participating. With a total supply of 4 billion tokens, the next phase will raise the price to $0.040, marking a 15% increase. This step-function pricing has created urgency for new investors, as entry points become progressively more expensive the longer they wait. Institutional confidence will also be shaped by the project’s transparency. The CertiK audit is complete, showing a Token Scan score of 95 and a Skynet score of 78, which signals strong security fundamentals. Alongside this, a $50,000 bug bounty program will reward severity-based disclosures, while a $100,000 giveaway will distribute prizes to ten winners. These programs will help build a resilient ecosystem and a vibrant early community, both of which are crucial in attracting larger liquidity providers once the token lists. The roadmap is equally compelling. Phase 1 introduced presale initiation, marketing, and audits, while Phase 2 advanced development with smart contracts, DApp front-ends, and analytics. Phase 3 will focus on finalizing with beta testnet demos and bug reporting, creating a functional demo that lets participants experience core lending and stablecoin mechanics. At Phase 4, Mutuum Finance (MUTM) will launch live, with its beta release aligned with the expected token listing to provide tangible utility on day one. This means early BTC investors will not only be holding tokens but also interacting with live DeFi products that generate measurable lending revenue. Crypto charts show that memecoins like SHIB and DOGE once delivered extraordinary multiples. However, the growth curve has shifted, and the outsized returns are unlikely to repeat in assets that lack continuous innovation. Mutuum Finance (MUTM) is offering a presale window where utility is priced like speculation, giving long-term upside more room to grow. One early BTC investor reallocated $10,000 from DOGE and SHIB into Mutuum Finance (MUTM) across Phase 1 and Phase 3. By Phase 6, that position is already showing significant unrealized gains. With the beta launch at listing, Layer-2 speed, stablecoin expansion, and exchange discovery expected to create continuous buyback demand, this investor will be aiming at multiples beyond anything memecoins can deliver today. Time to move before Phase 7 Memecoins once had their moment, but new capital is increasingly flowing into DeFi projects that will merge sustainable revenue with broad accessibility. Mutuum Finance (MUTM) is creating an ecosystem where staking mtTokens, borrowing with bluechip collateral, and anchoring liquidity with a $1 stablecoin will generate compounding value. With Phase 6 already 28% sold and the price locked at $0.035 only until the next raise, waiting will mean paying more. For those studying crypto coins and tracking crypto charts to identify the next mover, the opportunity is right here. Early BTC investors already see it. The only question left is whether others will act before Phase 7 lifts the price to $0.040. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post Is $0.035 DeFi gem best cheap crypto now over SHIB or DOGE? BTC vets say yes appeared first on Invezz
