Some of the biggest gains in crypto tend to come before the crowd catches on. While the spotlight is still focused on a few familiar names, several low-priced tokens are quietly positioning themselves for serious growth—and a few of them might break out before Q3. Among the most promising under-$0.10 contenders, Mutuum Finance (MUTM) has captured the attention of early-stage investors.
Shiba Inu (SHIB) & Pepe (PEPE)
Shiba Inu (SHIB) recently saw a strong spike, partly fueled by an 8,400% surge in its burn rate. With supply tightening, its price moved up nearly 15% in just a few days. Pepe (PEPE) also gained momentum after a major wallet added 500 million tokens, hinting at potential upward movement. These tokens continue to generate short-term interest, but when it comes to long-term potential backed by real utility, MUTM is standing out.
Mutuum Finance (MUTM)
Mutuum Finance is currently in Phase 4 of its presale, with MUTM priced at $0.025. Over 340 million tokens have already been sold, and the project has raised more than $5.7 million from a growing community of over 7,400 holders. Just recently, the token saw a 25% surge from its previous presale phase, reflecting rising interest and early traction.
The next phase will see the price rise to $0.03, making now the most favorable entry point before the next jump. With the launch price confirmed at $0.06, buyers at the current level are entering at less than half the market valuation.
Analysts are also projecting a post-launch move toward $0.32, supported by growing demand, the upcoming launch of the platform’s beta version, and a built-in buy-and-distribute model that consistently feeds value back into the market.
What makes this growth projection reasonable is the actual utility behind the token. Mutuum isn’t a hype-driven meme coin. It’s a decentralized lending and borrowing platform designed for flexible, user-controlled financial interactions. Whether someone wants to earn yield or borrow against their crypto, the platform gives them the tools to do so—without giving up ownership of their assets.
Mutuum supports two lending models: Peer-to-Contract (P2C) and Peer-to-Peer (P2P). In the P2C model, users deposit into a shared pool and earn interest that adjusts based on how much of the pool is being used. It’s a hands-off approach with real-time interest updates. The P2P model, on the other hand, allows users to lend or borrow directly with each other under custom terms. This helps serve both stable and more speculative assets, without mixing them in the same pool.
To keep things efficient, the protocol uses mtTokens. These are issued 1:1 when users deposit assets and reflect both the original value and the interest that builds over time. Because mtTokens follow the ERC-20 standard, they can be moved, traded, or used across DeFi platforms, offering flexibility while keeping yield flowing.
The upcoming launch of the platform’s beta version will go live around the time of the token’s listing. That means utility won’t just be a future promise—it’ll be live and usable from the beginning. This kind of timing adds credibility to the project and gives early supporters a real reason to stay involved. A full smart contract audit by CertiK is also underway to add an extra layer of assurance.
To add more fuel to the presale, Mutuum is running a $100,000 giveaway for 10 winners. The details on how to enter can be found on the project’s official website, giving the community a chance to get involved beyond just investing.
While SHIB and PEPE continue to draw headlines, it’s projects like Mutuum Finance that are quietly building for the long term. With a working ecosystem, clear roadmap, and strong early adoption, MUTM isn’t just another cheap token—it’s a second chance to catch a DeFi project before the breakout.
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