Finding a low-priced crypto with real utility before it reaches the broader market is rare, especially after a long crypto crash that made investors more selective about where they place their money. While meme coins like Dogecoin (DOGE) often move on hype alone, many buyers are now searching for a crypto to buy now that combines early pricing with a working financial model. Mutuum Finance (MUTM) is positioning itself in that space, offering a utility-driven ecosystem while its token remains priced at just $0.04 in presale phase 7.
Why Dogecoin (DOGE) Could Struggle Touching $1 Mark?
Dogecoin (DOGE)’s uncapped and inflationary supply means billions of new coins enter circulation annually, diluting value and requiring massive capital inflows just to sustain current prices. To hit $1, its market cap would have to expand enormously — far beyond typical meme‑coin demand levels.
Additionally, DOGE also lacks strong utility, scalability, or unique use cases, unlike major cryptos that power smart contracts or decentralized finance. Price action is largely speculation‑driven and sentiment‑dependent, often tied to social media hype rather than fundamentals. Without institutional adoption, regulatory clarity, or burn/scarcity mechanisms, a sustained surge to $1 is highly unlikely.
Mutuum Finance (MUTM): Presale Momentum and Early Position Advantage
Mutuum Finance (MUTM) is not just planning a token launch; it is building a dual-model lending system designed to support real financial activity. The platform will operate both Peer-to-Contract and Peer-to-Peer lending.
In the Peer-to-Contract model, users will supply assets such as stablecoins and major cryptocurrencies into audited smart contracts that form shared liquidity pools. Borrowers will deposit more collateral than they borrow, and interest rates will adjust automatically based on how heavily each pool is used. As utilization rises, rates increase, encouraging more deposits and balancing borrowing demand. Depositors will receive mtTokens that represent their share and accumulated interest, and these tokens can also be used as collateral for borrowing other assets.
The Peer-to-Peer model will focus on riskier or less liquid tokens, including meme coins like Dogecoin (DOGE). Here, lenders and borrowers will set their own terms directly, such as interest rates and loan duration. This structure separates higher-volatility assets from the main liquidity pools, helping protect overall protocol stability while still offering higher-return opportunities for those willing to take extra risk.
All loans will be overcollateralized, and a Stability Factor will monitor how safe each position is. If collateral value falls too low, automated liquidation will occur, with liquidators repurchasing debt at a discount to keep the system solvent. This framework is designed to protect participants and maintain platform reliability.
Mutuum Finance (MUTM) has a total supply of 4 billion tokens, and the presale has already generated around $20.40 million across all phases. The project has attracted more than 19,000 holders so far, showing steady interest even during uncertain market conditions following the crypto crash. In the current phase 7, the token price is $0.04, and 15% of this phase’s 180 million token allocation has already been sold.
10x Narrative, How It Is Possible
Investing $10,000 in a low‑priced token with utility like MUTM, currently valued at $0.04, demonstrates why it has the potential to 10x faster than Dogecoin (DOGE). At this price, $10K purchases 250,000 MUTM tokens. If MUTM reaches a conservative target of $0.6, the investment would grow to $150,000, a 15x return, and if it hits $1, it would become $250,000, a 25x gain. In contrast, DOGE, trading well above $0.10 with a massive circulating supply, would require enormous capital inflows to reach $1, making a 10x return extremely unlikely this year.
Unlike the projects that just talk, the first version of the protocol has been introduced on the Sepolia testnet, allowing users to interact with core features in a live testing environment. Liquidity pools, mtTokens, debt tokens, and an automated liquidator bot are all part of this release, along with support for assets like ETH, USDT, LINK, and WBTC.
When users deposit assets, they receive mtTokens, such as mtLINK, which grow in value as interest builds. This encourages users to stay active in the ecosystem. At the same time, debt tokens record all loans on-chain, making borrowing transparent and easy to track. By launching V1 protocol on testnet, experts say Mutuum Finance (MUTM) allows early users to experience real utility, build confidence in the system, and understand the role of MUTM as the foundation of the protocol, helping support long-term demand as the platform grows and can go take the value to 5x to 10x.
Another major growth driver could be the buy-and-distribute model. A portion of platform revenue from borrowing and lending activity is planned to be used to repurchase MUTM tokens from the open market. These tokens are then distributed to mtToken stakers as rewards. As platform usage increases, buybacks may increase as well, creating ongoing market demand while rewarding active participants rather than passive holders.
With a presale price of $0.04, growing holder numbers, audited smart contracts, and a lending system designed to drive token demand, Mutuum Finance (MUTM) presents itself as more than just another low-cost token. For investors looking beyond the aftermath of the crypto crash and searching for a crypto to buy now with structured utility, MUTM’s current phase offers a discounted entry point that could look very different if long-term milestones are reached.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
