SHIB and DOGE became two of the most talked-about tokens in crypto history after delivering explosive early gains. Now a new DeFi crypto priced at just $0.035 is drawing comparisons to those early breakout moments. With only 5% of its current supply stage left, Mutuum Finance (MUTM) is gaining attention from investors who remember how quickly SHIB and DOGE took off before most people even noticed. Many now wonder whether MUTM could follow a similar early-momentum path as Phase 6 approaches full allocation.
Shiba Inu (SHIB)
Shiba Inu entered the market as a meme token and shocked the industry by producing some of the largest returns ever seen. SHIB rose from near-zero trading ranges to a multibillion-dollar market cap in a short period. That early surge was driven by heavy viral attention, community activity and speculative buying.
Today, SHIB trades with a market cap in the billions, making it much harder for the token to repeat anything close to the explosive gains it had during its first cycle. With such a large supply and a mature user base, SHIB struggles to produce strong upside. Its early movement is difficult to replicate because the asset now requires massive liquidity inflows to create significant rallies.
For many who missed SHIB’s early wave, attention is now turning toward smaller, younger altcoins that are still in their early stages, tokens with far more room to grow.
Dogecoin (DOGE)
Dogecoin’s first major run also remains one of the most iconic moments in crypto. DOGE delivered astronomical returns as it transformed from a joke project into a cultural phenomenon. Its early surge came from viral moments, an enthusiastic community and sudden market attention.
But like SHIB, DOGE is now a large-cap asset with a market cap in the tens of billions. Big assets rarely deliver early-stage returns because they require massive buying pressure to move the chart. DOGE still has a strong community, but maintaining its early growth speed is nearly impossible at its current size.
This is why many traders who once made gains with SHIB or DOGE are now searching for much smaller tokens with more growth potential and Mutuum Finance has quickly become one of the most discussed top crypto candidates heading into 2026.
Mutuum Finance (MUTM)
Mutuum Finance entered the market in early 2025 with a starting price of $0.01. Consistent interest across multiple stages lifted the token to $0.035, marking a 250% increase before launch. The project has raised over $19M and grown to more than 18,300 holders, signaling strong interest during its earliest development phase.
Out of the 4B MUTM supply, 1.82B tokens (45.5%) were allocated for early distribution. More than 800M tokens have already been purchased, and Phase 6 has now reached 95% allocation. Only 5% remains at the current price before the token moves closer to its $0.06 launch value.
Mutuum Finance is building a decentralized lending protocol that focuses on stability and predictable yield. The platform will support lending and borrowing through dual lending markets, automated liquidations and a clear collateral system. Unlike SHIB or DOGE, which began purely as meme tokens, MUTM enters the market with a functional roadmap and utility-driven features.
According to the official X account, V1 is scheduled for the Sepolia Testnet in Q4 2025, including the lending pool, mtToken system, the liquidation bot, the debt-tracking mechanism and support for ETH and USDT.
Oracle Network and Price Outlook
Mutuum Finance uses mtTokens, which are given to users when they supply assets. These mtTokens increase in value as borrowers repay interest. This creates APY tied to real protocol usage instead of inflation. It also helps the platform build a yield model based on activity rather than minting new tokens.
Another key part of the ecosystem is the buy-and-distribute mechanism. A portion of protocol revenue is used to buy MUTM from the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This creates steady buy pressure as the platform grows, reducing the circulating supply over time.
Accurate lending conditions depend on proper pricing, so Mutuum Finance integrates Chainlink oracles, fallback feeds and on-chain data. These tools help ensure liquidation events follow fair pricing and protect borrowers and lenders during volatility.
Because of these mechanics, some early analysts believe MUTM could move into the $0.30–$0.40 range after V1 goes live. From $0.035, this represents a strong early multiple supported by functional utility.
Layer-2 Expansion and Long-Term Potential
Mutuum Finance is also preparing a stablecoin that will remain pegged to USD. It will be minted and burned on demand and used for borrowing, liquidity and treasury yield. Stablecoins play a critical role in lending platforms by helping users access predictable value and deeper borrowing pools.
The roadmap also includes layer-2 expansion, which will reduce gas fees, increase transaction speed and support larger user activity. As more DeFi users move to L2 networks, platforms that integrate early often attract stronger engagement and higher activity levels.
With a stablecoin, mtTokens, buyback pressure and L2 scaling, some long-term projections place MUTM in the $0.45–$0.55 range during a strong market cycle. These projections are based on the fundamentals of lending protocols rather than meme-driven speculation.
Phase 6 Acceleration and Why Urgency Is Rising
Phase 6 is now progressing faster than any earlier stage. With only 5% of tokens still available at $0.035, the remaining supply under $0.04 is disappearing quickly. A recent $110K whale allocation reduced the available tokens even further, adding pressure to the final days of this stage.
Whale activity during late-phase allocation usually signals confidence in a project’s long-term direction. It also tends to speed up remaining purchases as smaller investors act before the price moves to the next level.
With V1 in Q4 2025, multiple audits completed, a stablecoin on the way, and more than $19M raised, Mutuum Finance is quickly becoming one of the potential top crypto choices for many investors preparing for 2026.
SHIB and DOGE created legendary early gains, but both now face limitations due to their massive market caps. Mutuum Finance, however, is still early, small, and building systems with real utility. With 250% growth, a near-complete Phase 6, strong development progress and upcoming V1, MUTM is capturing the interest of investors seeking the next big altcoin before 2026.
For more information about Mutuum Finance (MUTM) visit the links below:
Website:https://www.mutuum.com
Linktree:https://linktr.ee/mutuumfinance
