At Just $0.035, This New Crypto Is Outpacing SHIB’s 2021 Surge—Investors Are Flooding In

A new contender is making waves, and its trajectory is drawing direct—and startling—comparisons to one of the most explosive memes in crypto history.

The Pace That's Turning Heads

Forget gradual climbs. This asset's early adoption curve isn't just steep; it's vertical. Analysts tracking on-chain activity and exchange inflows note a velocity that, at this same stage, eclipses the frenetic pace set by Shiba Inu during its legendary 2021 bull run. That kind of momentum doesn't go unnoticed. It triggers a reflexive rush of capital from retail and a few brave institutions, all hoping to catch the next wave before it crests.

Beyond the Hype Cycle

What fuels such a rapid ascent? It's rarely just a catchy ticker. The project is tapping into a potent mix: a narrative that resonates with current market sentiment, a community-building engine that operates at light speed, and a tokenomics model that—on paper, at least—rewards early holders. It's a blueprint designed for virality in an ecosystem where attention is the ultimate currency.

The Calculated Gamble

Investors piling in are playing a high-stakes game of momentum. The strategy is simple: buy into the frenzy, ride the speculative wave, and exit before the music stops. It's a dance that made millionaires during the last cycle and wiped out just as many. The allure of transforming a few hundred dollars into life-changing money remains crypto's most powerful—and dangerous—marketing tool. After all, what's another punt for most portfolios, especially when traditional finance seems content offering 'high-yield' savings accounts that barely beat inflation?

The fuse is lit. The crowd has gathered. Now, everyone watches to see if this rocket has the fuel to reach orbit or if it's just another dazzling firework, destined to burn out fast.

Mutuum Finance (MUTM)

Mutuum Finance (MUTM) is developing a decentralized lending platform that will have a Peer to Contract and a Peer to Peers environment. Users in the P2C model are lending out assets like ETH or USDT and obtain mtTokens. Such mtTokens increase in value with the payment of interest by borrowers. With borrowing in the P2P environment, the interest rates vary with liquidity, the loan to value policies regulate the safe borrowing habits. Liquidation can be done in case the collateral is overly low. Liquidators cover some amount of debt and seize discounted collateral.

Such an orderly structure is a strong contrast to the 2021 rise of SHIB, based on the sentiment, social trends and speculation. Mutuum Finance is also being characterized as a utility new crypto, and some investors think that this puts it in a better position to outperform meme assets over the long-term.

Presale Growth, Metrics and Early Price Action

Mutuum Finance started off in early 2025 at the price of $0.01. The token is currently trading at $0.035, which is 250% up in development. The project has also attracted more than 18,400 holders with a value of $19.2M. Over 810M MUTM tokens were already sold.

The total token supply is 4B. Of these 1.82B tokens, which is equivalent to 45.5% are being allocated towards presale phases. Phase 6 has now penetrated beyond 95%, and there is only a small number of tokens at the present price. The official listing price is $0.06 which has also contributed towards accelerating participation since the distance between the two prices becomes difficult to overlook.

Mutuum Finance also has a 24 hour leaderboard where the best user wins $500 worth of MUTM every day. This has contributed to continuous day-to-day interaction and presence in various parts of the world. Onboarding has also been made easy thanks to card payment access, not to mention that it has made it easy to participate in DeFi even among new participants.

V1 Schedule, Security Stack and Analyst Expectations

On its official X account, Mutuum Finance has confirmed that the V1 testnet will be deployed in Q4 2025. V1 will bring the lending pool, the mtTokens, the liquidation instruments and the debt-tracking module. Launched with support of ETH and USDT. This is the next milestone that is likely to attract new users with the protocol nearing operation into live mode.

The role of security work has also contributed significantly to the establishment of trust on the project. Mutuum Finance has also been CertiK audited (Score: 90/100) on the Token Scan. Halborn Security is making checks on the lending contracts to ascertain that they are behaving per the actual circumstances. There is also a $50,000 bug bounty that runs the project, in order to fix the issues before the release of V1.

The initial growth models emphasize that protocol-related yield, repurchase and scalability lending mechanisms can result in the token outperforming regular meme-based assets. A number of analyst forecasts currently place MUTM in a 5x to 7x band following V1 activation should there be an increase in borrowing demand.

Layer-2 Scaling 

Mutuum Finance will establish a USD-pegged interest-backed stablecoin, according to the official roadmap. Stablecoins commonly become integrated in the lending ecosystem since it can ensure predictable borrowing and amplify liquidity. This acquisition should contribute towards the growth of the platform.

The project will also be deployed in a variety of layer-2 networks. L2 support is accompanied by reduced fees and increased coverage and this is quite critical in the lending markets where collateral updates, interest and liquidation updates are frequent. L2 activities can also spur growth and reinforce greater liquidity.

Chainlink feeds will be used as the primary oracle LAYER in the protocol. Other inputs on pricing will avoid the errors of liquidation. Precise pricing belongs to the most significant aspects of the lending platforms, which is why this arrangement is critical towards long-term viability.

With such features put together, certain long term models have depicted a possibility of 800% upside potential over the next crypto cycles.

Mutuum Finance (MUTM) has surged 250%, raised 19.2M, higher than 18,400 holders and about to complete Phase 6 with an allotment of above 95%. Since V1 is planned to be activated in Q4, audited contracts, mtToken yield, buy pressure, stablecoin development, oracle protection and layer-2 planning, the project is accelerating much more rapidly than many pre-staged tokens.

Maps of possible future investors who are tracking the next crypto opportunities believe that Mutuum Finance can now be one of the most powerful early arrangements going into 2026 as it starts to demand more and the remaining tokens at $0.035 are erased.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance