Meme coins like Shiba Inu (SHIB) and Dogecoin (DOGE) once made headlines for turning early buyers into millionaires overnight. But in 2025, that hype is starting to fade — and serious investors are looking for projects with real utility and stronger fundamentals. That’s where MUTM, the native token of the Mutuum protocol, enters the spotlight. Many crypto experts now believe that MUTM offers a better opportunity than SHIB or DOGE, especially for those who missed out on the early runs of those meme coins.
The Difference Starts with Utility
Unlike SHIB and DOGE, which are largely driven by community and social media hype, MUTM is backed by actual use cases. It powers the Mutuum Finance (MUTM) platform, which allows users to lend and borrow crypto assets like ETH and DAI in a decentralized, user-friendly environment. When someone deposits ETH into Mutuum’s liquidity pool, they receive mtTokens — which represent the deposit and its growing value over time. This system helps users earn passive income automatically as the protocol puts their assets to work.
For example, if a user deposits $1,400 worth of ETH into Mutuum, they can earn an annual return depending on pool utilization — which has been showing strong activity due to increasing demand for borrowing. That same deposit earns interest and keeps growing, all while users still maintain control of their funds through their mtTokens.
Hold Instead of Sell — Smart Borrowing Options
One of the standout features of Mutuum is its ability to let users borrow against their assets without needing to sell. With DOGE or SHIB, your only real option to access liquidity is to sell — which could trigger taxes and remove your exposure to any future price increases. Mutuum solves this by allowing users to borrow stablecoins like USDC or DAI by locking up assets like ETH or BTC as collateral. You keep your original holdings, avoid capital gains taxes, and stay ready for the next bull run.
There are no fixed deadlines for loan repayment, and you can pay back anytime — giving users complete flexibility and control. It’s this level of smart asset management that makes Mutuum more than just another DeFi project.
MUTM Is Still Early — Just Like SHIB and DOGE Were
Crypto influencers who made gains from early DOGE and SHIB investments now admit the growth potential of those tokens has slowed. Financial analyst Ben Dalton recently pointed out that while DOGE had no real application and SHIB tried to build some late-stage use cases, neither could compare to the structural design of utility tokens like MUTM. He stated, “MUTM has the kind of framework early DOGE buyers wished for — actual rewards, lending protocols, and passive dividends. It’s like getting a second chance, but with more brains behind it.”
Mutuum is still in its presale stage, with the price currently at just $0.03 in Phase 5. Back in Phase 1, the price was $0.01. That’s a 200% increase already, meaning that early buyers have already tripled their investment. Yet, with six more presale phases ahead, and a final listing price expected to be over $0.06, there’s still a significant upside. If you buy in now, you still stand to double your investment before public launch — something DOGE and SHIB holders haven’t seen in a long time.
Over 11,000 users have already joined the MUTM ecosystem, with over 500 million tokens sold so far. This isn’t just some speculative pump — it’s growing organically due to genuine interest in Mutuum’s features. People are not only buying the token but also using the protocol to earn, borrow, and grow their portfolios.
Adding more to the attraction, Mutuum has plans to reward long-term holders. By staking your mtTokens, you can earn passive dividends in MUTM. The protocol uses a portion of its revenue to buy back MUTM tokens from the market and redistribute them to stakers. This creates a cycle where demand stays strong, and loyal users get rewarded with more tokens. In other words, the longer you stay in the ecosystem, the more you benefit — something that SHIB and DOGE never really delivered.
Better Fundamentals = Better Long-Term Growth
DOGE and SHIB have always been driven by short-term trends and celebrity tweets, but their long-term sustainability has been questioned time and again. MUTM, on the other hand, is based on actual market demand for borrowing and lending. It serves real traders, DeFi users, and long-term crypto holders. Its tokenomics are structured with controlled supply increases across presale phases, unlike DOGE’s endless inflation model or SHIB’s vast supply that puts heavy pressure on price movement.
By the end of the presale, the price of MUTM will have increased by 500% from Phase 1 to Phase 11. Early backers are already seeing results, and the window to join at this price is narrowing fast. As the token becomes publicly available, the cost to enter the ecosystem will rise — and so will the difficulty of earning those early-stage profits.
The days of getting rich off meme coins are mostly over. SHIB and DOGE had their moments, but with little to back them up beyond memes and momentum, they no longer attract serious crypto capital. MUTM, with its real utility, passive income options, smart borrowing strategies, and strong tokenomics, offers a much better deal. Experts agree — the setup looks eerily similar to early DOGE and SHIB days, but this time, it’s built on solid ground.
If you missed out on the early waves of meme coin mania, this may be your second chance. Only this time, it’s with a token that does more than make people laugh — it builds wealth. Jump into Phase 5 before the price climbs again and make your entry while the profit window is still wide open.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance
