The crypto market has seen another shake-up with SHIB losing 10% in a single week. For many investors, this confirms that meme-driven rallies are cooling off. When the hype fades, tokens with no intrinsic function struggle to hold value. That is where projects like Mutuum Finance (MUTM) are beginning to capture attention. Unlike meme coins, MUTM is structured around real-world lending and borrowing mechanics, making its trajectory more aligned with sustainable growth. In fact, just as DOGE unexpectedly surged in 2021, Mutuum Finance (MUTM) is positioned to demonstrate a similar momentum in fewer days—this time with genuine decentralized finance powering the rise.SHIB DropsShiba Inu (SHIB) fell 10% over the past week, trading at ~$0.000013 as of August 18, 2025, underperforming the crypto market’s 2.8% decline. The drop, with a 24-hour trading volume of $250 million, aligns with a broader meme coin slump driven by fading retail hype and macro pressures like U.S.-China trade tensions and a weak jobs report. Technical indicators show SHIB breaking below $0.000014 support, with RSI at 45 and new support at $0.0000125. Despite Shibarium’s 40% fee cut boosting transactions to 5 million daily and a 3,000% burn rate spike removing 700 million tokens, whale sell-offs of 1 trillion SHIB add pressure. A rebound above $0.000014 could target $0.000015, but a further drop below $0.0000125 risks $0.000011.Mutuum Finance (MUTM)Mutuum Finance (MUTM) is designed as a decentralized liquidity hub where lenders earn interest by supplying crypto to pools and borrowers unlock capital without selling their assets. This design places it far from speculative meme coins that rely on social sentiment. By focusing on peer-to-contract and peer-to-peer lending, the platform aims to give investors utility-driven returns while borrowers can retain exposure to their assets.Right now, crypto charts are dominated by volatility, but investors looking beyond the noise are starting to ask why is crypto going up for some tokens and not others. The answer often lies in real usage. Mutuum Finance (MUTM) is preparing to offer decentralized lending that adapts dynamically to market conditions, creating a financial system with longevity.The presale is in Phase 6 with MUTM priced at $0.035. More than $14.63M has already been raised and over 15,450 investors have joined. Importantly, 22% of Phase 6’s 170M allocation is already sold. The listing price is set at $0.06, and the next presale step will move to $0.04 in Phase 7. For crypto investing enthusiasts, this means an immediate 15% increase the moment Phase 7 begins. These windows are closing rapidly, making timing critical.Stablecoin and Staking InnovationsOne of the standout features of Mutuum Finance (MUTM) will be its decentralized stablecoin, designed to remain pegged at $1. It will only be created when users borrow against collateral like ETH, and it will be burned when loans are repaid or liquidated. Governance will adjust interest rates to help maintain the peg. For example, a borrower providing ETH as collateral will unlock stablecoins without selling, allowing them to use liquidity while maintaining upside exposure to ETH’s price.Beyond borrowing, Mutuum Finance (MUTM) introduces an advanced staking model. Users who deposit assets receive mtTokens, which can be staked in designated smart contracts. In return, they earn MUTM rewards purchased through open-market buybacks funded by platform-generated revenue. This structure creates a sustainable cycle of passive income tied directly to protocol usage rather than speculative hype.A Roadmap of ExecutionThe Mutuum Finance (MUTM) roadmap provides clarity into its progression. Phase 1 has already seen the presale launch, security audit, AI helpdesk, and giveaways. Phase 2 will bring in smart contract development, the DApp front and back end, and multiple security reviews. Phase 3 will lead into a beta launch, additional audits, listings preparation, compliance alignment, and presale conclusion. Phase 4 will mark the live platform launch, major exchange listings, bug bounty rollouts, institutional partnerships, and multi-chain expansion. This sequential approach ensures steady development while aligning with community trust.Security remains a core focus. Mutuum Finance (MUTM) has undergone a CertiK audit, earning a Token Scan score of 95 and a Skynet score of 78. In addition, the $50K bug bounty program offers rewards based on severity: $2,000 for critical, $1,000 for major, $500 for medium, and $200 for low-risk findings. To energize its growing community, the team has also launched a $100K giveaway where 10 winners will share rewards, amplifying retail participation.The Investment EdgeConsider a diversified investor allocating $5,000 each into BTC, ETH, and MUTM. BTC and ETH delivered moderate gains, but the MUTM allocation entered at Phase 2’s $0.015 already doubled by Phase 6’s $0.035. By the listing price of $0.06, that investment is set to quadruple, transforming a $5,000 placement into $20,000 on paper. The pace of these gains positions MUTM to replicate DOGE’s rapid surge in 2021 but with the advantage of real utility behind it.The market is proving once again that speculative coins like SHIB can rise and fall in the blink of an eye. Mutuum Finance (MUTM), however, is aligning itself for longevity. With Phase 6 tokens already 22% sold and the price set to climb 15% in the next phase, this presale opportunity is becoming narrower by the day. As the crypto crash today shakes weaker projects, utility-driven tokens like MUTM are preparing for a trajectory that makes short-term gains visible while also aligning for future growth.For more information about Mutuum Finance (MUTM) visit the links below:Website: https://www.mutuum.comLinktree: https://linktr.ee/mutuumfinanceThe post SHIB Drops 10% Weekly, But A Real Utility Token Could Replicate DOGE’s 2021-Like Surge in Fewer Days appeared first on Blockonomi.