As the crypto market gears up for another potential bull run, many investors are searching for the next token that could multiply in value. Meme coins like Shiba Inu (SHIB) had their moment in the spotlight, but analysts believe the next big wave will favor projects built on utility and revenue-backed models. One project already catching that attention is Mutuum Finance (MUTM) — a DeFi crypto being called one of the best cryptocurrencies to watch heading into 2026.
While SHIB continues to trade within tight ranges, Mutuum Finance is showing strong momentum in both funding and investor interest. Experts suggest that its tokenomics, lending model, and upcoming product launch could help it outperform legacy tokens like SHIB in the next growth cycle.
Shiba Inu (SHIB)
Shiba Inu (SHIB) remains one of the most recognizable names in crypto, largely due to its massive community and early price surges. However, as of late October 2025, SHIB trades around $0.000010 with a market cap between $6 billion and $8 billion, according to CoinMarketCap. Despite its wide recognition, SHIB’s huge circulating supply — nearly 589 trillion tokens — makes large price jumps increasingly difficult.
From a technical standpoint, SHIB faces strong resistance between $0.000012 and $0.000013. Each time the token nears this level, it encounters heavy selling pressure that prevents a sustained breakout. Analysts note that until SHIB breaks above the $0.000014 mark and holds it, its potential for big upside remains limited. Support levels sit near $0.0000113, and if those are breached, another short-term correction could occur.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is positioning itself as a non-custodial, decentralized lending and borrowing protocol that makes digital asset lending more efficient, transparent, and secure. The project combines two complementary lending models — one for pooled liquidity and another for direct user lending — giving participants flexible access to capital and yield opportunities.
When users deposit their tokens into the protocol, they receive mtTokens, which accrue interest automatically. For example, depositing 20 USDC generates 20 mtUSDC that increases in value as borrowers pay back loans. This design lets users maintain control of their assets while earning consistent yield.
The project’s buy-and-distribute model adds further strength to its token economy. A portion of the platform’s revenue is used to buy MUTM tokens from the open market, which are then redistributed to mtToken stakers. This creates ongoing buying pressure and rewards long-term holders, aligning community incentives with platform activity.
Strong Numbers, Growing Confidence
Mutuum Finance is currently in Phase 6 of its presale, with each token priced at $0.035. The next phase will raise the price to $0.04, while the confirmed launch price is set at $0.06 — meaning that phase 1 investors could already see potential token appreciation of around 500% at listing.
So far, the project has raised over $18.3 million and attracted 17,600 holders, reflecting growing investor confidence. Over 785 million tokens have already been sold, marking nearly 80% completion of the current phase.
Each stage of the presale has sold out faster than the last, suggesting increasing demand. The structured allocation model and fixed pricing system have created a clear framework for investors, reducing uncertainty and reinforcing trust in the project’s financial transparency.
MUTM vs SHIB: A Tale of Two Directions
While Shiba Inu continues to rely on community strength and social momentum, its massive market cap makes large-scale price growth harder to achieve. Even if SHIB were to double from current levels, the return would remain limited due to the token’s huge supply and relatively small new inflows.
Mutuum Finance, on the other hand, is still in its early stages, priced well under $0.05 with a capped presale allocation. This gives it room for exponential growth as the platform transitions from presale to mainnet. The combination of utility, clear tokenomics, and real use cases gives MUTM a foundation that SHIB simply doesn’t have.
To illustrate the difference, consider a $500 investment in each token. At SHIB’s current price of $0.000010, that amount would buy roughly 50 million tokens. If SHIB doubled to $0.000020, the investment would be worth $1,000 — only a modest gain.
However, the same $500 invested in MUTM at the presale price of $0.035 would buy around 14,285 tokens. As long as analysts’ predictions hold and MUTM reaches $0.70 in the next market cycle, that same investment could be worth nearly $10,000 — a 20x MUTM value based on growth drivers rather than social hype.
V1 Launch and Rapid Presale Momentum
Mutuum Finance’s V1 protocol is scheduled to launch on the Sepolia Testnet in Q4 2025, introducing key components such as the Liquidity Pool, mtTokens, Debt Tokens, and a Liquidator Bot for automated risk control. The testnet will initially support ETH and USDT for lending, borrowing, and collateral, with plans to expand to other assets later.
This product milestone represents a major step forward for the project. It transitions Mutuum from concept to execution — something many early-stage tokens never reach. Analysts expect that the testnet launch will act as a strong confidence signal for potential exchange listings in early 2026.
Meanwhile, the Phase 6 presale is quickly approaching full allocation, and whale transactions have started to appear. Reports indicate that at least one large investor purchased over $100,000 worth of MUTM tokens recently, highlighting growing institutional interest.
With over $18 million raised, 17,600 investors onboarded, and a V1 launch on the horizon, Mutuum Finance stands out as one of the potential best cryptocurrencies for investors seeking long-term upside. If its roadmap continues as planned, this new token could become the next 20x crypto gem that outperforms meme-driven assets like SHIB in 2026.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: The statements, views and opinions expressed in this article are solely those of the content provider and do not necessarily represent those of Crypto Reporter. Crypto Reporter is not responsible for the trustworthiness, quality, accuracy of any materials in this article. This article is provided for educational purposes only. Crypto Reporter is not responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services mentioned in this article. Do your research and invest at your own risk.