is SHIB still a buy? This DeFi lending project might be a better bet for mid summer

Shiba Inu (SHIB) started as a meme but quickly became a crypto sensation. With its community-driven origins and dramatic price movements, SHIB captured attention across retail markets. Yet, as the broader crypto market matures, many investors are questioning whether meme coins can provide the long-term stability or returns they’re seeking. While SHIB still holds speculative appeal, its price remains volatile, and its value is not backed by functional use within DeFi systems. This is where the conversation shifts. Investors aiming for more consistent, utility-driven income streams are turning toward real decentralized finance protocols. One of the most talked-about platforms in this category is Mutuum Finance (MUTM) . With over $10.8 million already raised in its presale and more than 12,200 holders on board, the project is gaining momentum among serious DeFi participants. A utility-driven DeFi model that works for real investors Mutuum Finance (MUTM) is building a decentralized, non-custodial lending protocol that stands out for its dual-layer model: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending. These two approaches give users the flexibility to earn passive income based on real-time protocol activity and borrower demand. In the P2C model, users will deposit assets like USDT, USDC, ETH, BTC, SOL, BNB, or AVAX into smart contract-based liquidity pools. These pools will then be accessed by borrowers who must provide overcollateralized backing. As the pool gets utilized, interest rates automatically rise, rewarding depositors based on demand. The more people borrow, the more income lenders earn. This system is fully governed by market activity, and depositors are given mtTokens that represent their deposit plus accrued interest. These mtTokens can be used across the protocol or traded for liquidity. The P2P model adds another layer of flexibility. Instead of using shared pools, users can create their own loan terms and lend directly to others. This model allows them to support tokens that are often excluded by centralized platforms—such as DOGE, PEPE, and even SHIB—while setting their own interest rates and repayment durations. It’s an approach that gives control back to the user, enabling tailored investment strategies and increased return potential. To enhance the experience, Mutuum Finance (MUTM) is being developed with Layer-2 integration. This ensures lower transaction costs and faster speeds, eliminating common DeFi issues like network congestion and expensive gas fees. For users seeking smooth, real-time earnings without the barriers of traditional blockchains, this infrastructure design adds serious value. The platform’s beta version is scheduled to launch by the time the token goes live, offering early adopters immediate access to Mutuum’s full functionality. A $100,000 giveaway is also live, bringing more attention to the project and rewarding the growing community. How MUTM tokenomics create real value for long-term holders The MUTM token is at the heart of the Mutuum ecosystem, serving not just as a utility token but as a growth tracker for the protocol. With a total supply of 4,000,000,000 tokens and a current presale price of $0.03, early investors have a defined entry point before the listing price moves to $0.06 in the final phase. As per the planned tokenomics, 150 million tokens are being offered in Phase 5 at $0.03, with rising prices in subsequent rounds. If an investor allocates $2,000 today at the presale price of $0.03, they secure approximately 66,666 MUTM tokens. When the token reaches $0.90, the same position will be worth $60,000. This kind of growth isn’t speculative—it’s tied to real platform adoption, lending volume, revenue generation, and automated redistribution of value. Unlike tokens that rely on hype or inflationary staking rewards, mtToken staking rewards are backed by platform revenue. A portion of fees collected through lending activities will be used to buy back MUTM tokens from the open market. These tokens will then be sent to stakers who stake assets in the designated contracts. This buyback mechanism not only incentivizes staking but also applies upward pressure on price—encouraging more participants to engage in the protocol. To ensure transparency and reliability, the smart contracts underpinning Mutuum Finance (MUTM) have undergone an audit by CertiK. The audit was requested on February 25, 2025, and revised on May 20, 2025, with the platform receiving a Token Scan Score of 80.00. This verification step adds credibility to the project and reassures participants that they are engaging with a securely built protocol. Choose substance over speculation this summer While meme tokens like Shiba Inu (SHIB) are fueled by sentiment and community strength, they often lack utility beyond speculative holding. As the DeFi market expands and investor priorities shift, the focus is turning to protocols that reward participation through real mechanisms—not hype. Mutuum Finance (MUTM) represents that shift. It gives users a way to earn from both structured pool-based lending and personalized direct loans. Its ecosystem is powered by mtTokens, enabling continuous passive income, flexibility, and smart liquidity movement. With a completed CertiK audit, over $10.8 million raised, more than 12,200 holders, Layer-2 speed enhancements, and a $100K giveaway live, the protocol is already showing strong foundational results ahead of its beta release. This summer, choosing substance over speculation isn’t just a safer move—it’s a smarter one. Mutuum Finance (MUTM) is building something that’s not just about the moment—it’s about sustainable income, decentralized accessibility, and long-term value. Now is the time to align your portfolio with real DeFi performance. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post is SHIB still a buy? This DeFi lending project might be a better bet for mid summer appeared first on Invezz

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