Some analysts believe the market is entering a new phase where meme-driven tokens are losing momentum while utility-driven altcoins are gaining strength. Market commentators suggest that several leading names, including SHIB and PEPE, now face structural challenges that limit their future upside. At the same time, early investor sentiment indicates that a new DeFi altcoin priced at $0.035 is showing stronger growth signals than many expected. This shift has sparked comparisons among top crypto investors who now see a clearer problem-solution contrast forming across the market.
Shiba Inu (SHIB)
Shiba Inu became one of the biggest breakout tokens of its cycle. Early investors enjoyed huge returns as SHIB grew into a multibillion-dollar market cap and secured listings across major exchanges. Its rapid adoption, strong community, and global reach turned it into a household name in the meme-asset space.
But today, SHIB faces a liquidity problem. Because the market cap is so large, it now requires massive inflows to move in any meaningful way. Analysts tracking crypto charts note that SHIB repeatedly struggles to break above major resistance zones. Even when volume rises, the chart fails to follow through with strong upside movement. Some models point to slowing trend strength and predict weaker performance unless a major catalyst appears. This leaves investors questioning whether SHIB still has a high-growth window ahead.
Pepecoin (PEPE)
Pepecoin (PEPE) began with explosive hype. Early momentum came from rapid community growth, viral content, and a surge of traders entering during meme-cycle peaks. PEPE earned listings quickly and delivered strong returns for early holders.
But PEPE’s challenge is different from SHIB’s. Its problem is narrative fatigue. Analysts say community demand is softer, breakout attempts fail more often, and trend indicators show declining strength. Without a new catalyst, PEPE struggles to regain its early pace.
A few forecasts even point to a flat or falling outlook if market interest stays muted. With no clear roadmap and reliance on hype cycles, PEPE’s long-term position appears less compelling than many newer projects entering the market with actual utility.
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is emerging as a counterpoint to both SHIB and PEPE. Where SHIB struggles with liquidity and PEPE struggles with narrative, MUTM aims to grow through structure, not hype. Because the token is priced at $0.035 in presale, it does not require large inflows to move. And unlike meme tokens, its future performance is tied to actual protocol activity.
Mutuum Finance is building a lending platform that operates through two coordinated markets. One market is for simple supply and borrowing. The other is for custom loan agreements between users. Instead of depending on community excitement, the system grows when borrowers take loans and suppliers earn yield from those loans. mtTokens, which rise in redeemable value as interest comes in, help connect token performance to real usage.
The project has already attracted early traction. Mutuum Finance has raised $19.30M and brought in 18,400 holders, with 820M tokens sold so far. The token began at $0.01 in early 2025. At $0.035 today, the price reflects a 250% increase, and analysts say this pattern shows consistent demand. Out of the 4B total supply, 1.82B tokens are allocated to early participants. This gives the project a strong distribution footprint before V1 even arrives.
MUTM’s Long-Term Case
Several mechanics help position MUTM as a long-term asset rather than another hype-dependent token. mtTokens grow in value as borrowers repay interest, which gives suppliers a yield based on protocol activity rather than inflation. This single mechanic solves one of the core issues SHIB and PEPE face: their value depends almost entirely on speculation rather than utility.
Another advantage is the buy-and-distribute model. A portion of fees is used to purchase MUTM from the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. Analysts say this constant buying pressure supports price stability over time. It also gives users a reason to hold their tokens long-term, a dynamic that PEPE and SHIB do not replicate.
Mutuum Finance also plans to use Chainlink oracles, fallback feeds, and aggregated pricing to keep the system accurate and secure. This reduces liquidation errors and strengthens user trust.
These mechanics help create a value engine that grows with usage. Some analysts believe that once MUTM moves from $0.035 to a future level powered by borrowing activity, a multi-hundred-percent run becomes possible. In a bullish scenario, models show the possibility of significant upside as the protocol expands.
Roadmap Catalysts
Security foundations are already in place. The CertiK audit returned a 90/100 Token Scan score, and Halborn Security is conducting a second audit on the finalized code. Mutuum Finance also announced a $50K bug bounty to strengthen protocol resilience.
The project also plans to introduce a stablecoin backed by borrower interest and deploy across layer-2 networks to increase speed and reduce costs. Analysts say these expansion steps are crucial for scaling. Unlike meme tokens, MUTM is preparing for an ecosystem that grows with real usage.
Phase 6 is now close to full completion. Recent whale inflows, including six-figure entries, show rising confidence before the next price step. The 24-hour leaderboard rewards the top contributor with $500 in MUTM, adding daily visibility and motivating participation. Card payment support makes it easy for new users to enter without exchanges.
SHIB faces liquidity barriers. PEPE faces narrative fatigue. Mutuum Finance faces neither. With a functional roadmap, a growing user base, rising demand, strong audit results, and clear expansion plans, analysts believe MUTM could outperform both meme-sector giants ahead of 2027. As long as its structure works as intended, this $0.035 altcoin could become one of the best crypto opportunities for long-term growth.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
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Source: https://cryptodaily.co.uk/2025/12/top-crypto-investors-believe-this-0035-new-altcoin-could-beat-pepe-and-shib-ahead-of-2027-heres-the-math
