Investors Pivot from Meme Coins to Mutuum Finance (MUTM) as Presale Nears $12M, Eyeing USDT Stability

As the crypto market evolves in July 2025, a notable shift is underway among investors. Meme coins like Pepe Coin (PEPE) are being sidelined in favor of Mutuum Finance (MUTM), a promising new DeFi project. Currently in its fifth presale stage, MUTM is priced at $0.03 and has already attracted $11.7 million from over 12,700 investors. Phase 5 participants are guaranteed a 100% return on investment (ROI) upon listing, with the token's price set to rise to $0.035 in Phase 6. This presale momentum highlights growing investor confidence in MUTM's potential, especially as they seek alternatives to volatile meme coins. The project's structured pricing and ROI guarantees are drawing attention, positioning MUTM as a compelling option in the DeFi space. With USDT often serving as a stable reference point in such investments, the shift toward MUTM underscores a broader trend of prioritizing utility and growth potential over speculative meme coin plays.

Investors Shift from PEPE to Mutuum Finance (MUTM) as Presale Gains Momentum

As July progresses, crypto investors are abandoning meme coins like Pepe Coin (PEPE) in favor of Mutuum Finance (MUTM), a new DeFi project gaining traction. Priced at $0.03 in its fifth presale stage, MUTM has already raised $11.7 million from over 12,700 investors, with Phase 5 buyers guaranteed a 100% ROI at listing. The token’s price is set to rise to $0.035 in Phase 6, offering early entrants significant upside.

Mutuum Finance distinguishes itself with a hybrid lending model combining Peer-to-Contract (P2C) and Peer-to-Peer (P2P) frameworks. The platform promises secure USDT pool returns via P2C and direct crypto ownership through P2P, positioning itself as a utility-driven alternative to speculative assets. Meanwhile, PEPE’s lack of real-world use cases continues to erode investor confidence.

Neo Pepe Coin ($NEOP) Emerges as Top Crypto Presale of 2025 with Decentralized Governance Appeal

Neo Pepe Coin ($NEOP) has rapidly gained traction as the standout crypto presale of 2025, drawing significant interest with its decentralized governance model and community-focused mechanics. The project's structured presale approach has attracted global participation from investors seeking early access.

The presale supports multiple payment options including ETH, USDT, and USDC across Ethereum, Base Chain, and Binance Smart Chain networks. Prospective buyers must first establish a compatible wallet like MetaMask or Trust Wallet, then fund it with sufficient cryptocurrency to cover both token purchases and network fees.

Security remains paramount, with explicit warnings against scam websites. The acquisition process requires direct navigation to NEO Pepe's official platform, followed by wallet connection and token purchase through the verified interface. This presale represents one of the most anticipated blockchain investment opportunities currently available.

Ethereum's Liquidity Imbalance Threatens Its Economic Model

Ethereum faces a structural challenge as stablecoin dominance grows. Over $127 billion in stablecoins now sit on the network, with Tether accounting for more than half. This liquidity fuels DeFi, staking, and yield farming, but creates a widening gap between stablecoin growth and ETH's market value.

The network added $17 billion in stablecoins in six months, with USDT alone representing 40% of Tether's $160 billion market cap. JPMorgan predicts the stablecoin market could reach $500 billion by 2028, further entrenching Ethereum's role as the primary settlement layer.

This imbalance raises existential questions. Can ethereum maintain decentralization when most transactional value comes from non-native assets? The network's economic model appears increasingly dependent on stablecoins—a paradox for a system designed to be self-sustaining.