After an incredible run last cycle, Shiba Inu (SHIB) is now seen to be in a sideways accumulation trend, marking the end of the explosive period for this crypto. Although experts predict a slight increase with a target of $0.00014 for the year 2026, the future prospects of this crypto appear to be constrained compared to those cryptos that hold actual use value. On the other hand, Mutuum Finance (MUTM) has become one of the top cryptos to watch. Priced at $0.04 in the ongoing presale in Phase 7, this crypto has quickly gained popularity and collected a substantial sum of $19.85 million.
Shiba Inu (SHIB) has been experiencing a drastic correction, with 62% of profits evaporated as the price dropped. At the start of the year, close to 140 trillion units of SHIB were in profit, but this number has since fallen to 57 trillion, highlighting the speed at which profits can evaporate in the market. The increasing flow of funds to exchanges highlights the selling nature of the market, and the current proximity to support levels may cause the correction to worsen. Although SHIB is still in the limelight, the current volatility and slowing pace make it less attractive than the new and utility-based Mutuum Finance (MUTM), a leader in the DeFi crypto sector.
Mutuum Finance is in the 7th stage of its presale, which kicked off last year at $0.01. The token is priced at $0.04, which translates to a 4x ROI for the earliest investors. Upcoming phases will feature rising prices until the token launches at $0.06. This means a small $500 invested today will become $750 even before MUTM is listed on exchanges. As the token soars, aiming for $0.40 in the next bull run, this investment will become $5,000. The MUTM presale delivers the biggest returns to those who buy early. The presale has so far raised $19.85M from over 18850 unique investors.
Mutuum Finance is developed with robust risk management mechanisms to secure both the capital suppliers and the borrowers. The system uses dynamically adjusted Loan-to-Value ratios and automatic liquidation levels to ensure stability in the system despite market fluctuations.
The LTV ratios help in determining how much the user can borrow based on the collateral they have. For instance, if the LTV is 75%, then the user can borrow up to $2,250 in USDC if they have $3,000 in ETH. The LTVs are constantly adjusted depending on the market price changes and help in making the system resilient to market changes.
However, in order to avert the issue of under-collateralization, the loan gets highlighted as soon as it violates a set risk level. For instance, if the liquidation level is set at 70%, any loan beyond that level of the total value of the collateral gets eligible for liquidation. This ensures that the loan is fully collateralized at all times and also aids in the sustainable growth of MUTM, which makes it a top crypto to buy.
With Mutuum Finance, users can access funds without having to part with the ownership of their assets. Under P2C, or Peer-to-Contract, borrowing is arranged through shared pools of liquidity, with interest rates generally between 7% and 10% APY based on usage. P2P, or Peer-to-Peer, lending is designed for higher-risk or niche assets, facilitating customized contracts between individual borrowers and lenders. For instance, a borrower may lock a value of $8,000 of PEPE to secure a loan of $5,000 USDC with an APY of 12%. Borrowers also maintain complete control of their positions, which they can choose to top up, partially repay, or fully repay at any given time. After a loan has been repaid, for example, a total of $5,000 principal and $325 in interest, a borrower will be able to control their position fully once again, and the borrowed amount will be returned to the liquidity pool.
While Shiba Inu (SHIB) has slowing momentum from its memecoin rally, Mutuum Finance (MUTM) has actual use in the DeFi crypto market. Since it has a low entry point and is offering well-structured presales and sophisticated risk management solutions in addition to its innovative P2C/P2P loan models, MUTM is positioning itself as the top crypto to watch in 2026.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://mutuum.com/
Linktree: https://linktr.ee/mutuumfinance
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