PEPE shocked the crypto market when it exploded with a 1,000% run, handing early traders life-changing returns. Those moves dominated crypto charts and created a frenzy of attention across exchanges. Yet, as spectacular as the meme-driven surge was, analysts are now saying that it lacked the sustainable foundation needed for long-term growth. While meme tokens thrive on community energy and hype cycles, they often leave investors asking why is crypto going up one week and crashing down the next. Experts are now pointing toward a very different kind of project—Mutuum Finance (MUTM)—that is already setting the stage for stronger, more reliable growth.
Why Analysts See MUTM Beyond the Meme Frenzy
PEPE’s climb was driven almost entirely by speculation. Traders piled in on the meme narrative and rode it until the peak. But meme tokens are not designed with revenue systems, lending mechanics, or institutional utility. This is why experts are shifting focus toward utility tokens that have real adoption pathways.
Mutuum Finance (MUTM) is attracting attention for exactly this reason. Instead of hype-based value, MUTM is structured around decentralized lending and stablecoin systems. At its core, the protocol will allow users to borrow against top assets like ETH, SOL, and AVAX while maintaining safety through overcollateralization and automated liquidations. Loans will generate borrowing interest, and all revenue will tie back into the ecosystem to create continuous demand for the token.
That utility-driven foundation is why analysts believe MUTM has the chance to achieve 40x returns by the end of 2026. Unlike meme tokens that fizzle once the excitement fades, Mutuum Finance (MUTM) is designed to grow stronger as activity on the platform increases.
The presale is already reinforcing that narrative. Over $15.90 million has been raised so far, with Phase 6 now 42% complete. At $0.035 per token, the current entry is still considered undervalued given the trajectory ahead. Once Phase 7 begins, the price will rise to $0.040, locking in a 15% gain for those who secure their tokens before the next stage. With more than 16,400 holders already onboard, momentum is building quickly.
The Case for 40x Growth by 2026
Experts base their crypto predictions for MUTM on more than just presale enthusiasm. The platform is being developed with multiple growth levers that align with both retail and institutional demand.
One of the key design choices is liquidity-aware liquidation rules. By implementing penalties when loans become undercollateralized, the platform will both protect stability and generate revenue for the ecosystem. These revenues create a feedback loop that strengthens the balance sheet of the project.
The reserve factor is another powerful feature. By capturing a portion of interest revenues and storing them in reserves, Mutuum Finance (MUTM) builds a safety net that appeals to more conservative investors and institutions. This strengthens the long-term sustainability of the protocol, a sharp contrast to meme-driven projects.
Mutuum Finance (MUTM) will also launch its beta alongside the listing, meaning that from day one, the token will have real adoption. This immediate usability is expected to drive demand on exchanges, where MUTM is already preparing for listings across major centralized platforms such as Binance, Coinbase, KuCoin, Kraken, and MEXC. The exposure that comes with these listings will echo the kind of visibility PEPE enjoyed, but with the difference that MUTM offers working mechanics that extend beyond hype.
For investors, the numbers speak for themselves. A $1,000 position in PEPE during its early days peaked at around $10,000. With Mutuum Finance (MUTM), analysts are projecting far larger gains. At today’s presale price of $0.035, a $1,000 allocation translates to nearly 28,600 tokens. At a conservative 2026 target of $1.40, that same position grows into $40,000—a full 40x ROI. This kind of projection has placed MUTM firmly in the spotlight for those seeking the next big winner.
Conclusion
Security and transparency also support the case. The project has been audited by CertiK, ensuring the integrity of its codebase. A $50,000 bug bounty program is in place to incentivize independent security researchers, and a $100,000 giveaway campaign is running to reward early adopters. Combined with the roadmap that enters its Phase 4 “Delivering” stage, which includes live platform launch, token listings, and institutional partnerships, MUTM is presenting a complete package for investors.
PEPE showed what the market is capable of when excitement takes hold. But while that run was fueled by speculation, Mutuum Finance (MUTM) is preparing to deliver both hype and substance. Analysts believe the token’s mechanics, presale momentum, and roadmap will not only match but surpass meme-token gains. By the end of 2026, MUTM is being projected to offer up to 40x returns, setting a new standard for what real utility-driven crypto growth looks like.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance