Investors have been actively scanning the crypto market to identify the best cryptocurrencies to buy now, especially amid ongoing discussions about which tokens hold promise for long-term investment. Among the notable names, Shiba Inu has garnered attention due to its recent rebound. However, Mutuum Finance (MUTM) is rapidly gaining traction in its presale phase, having raised $17,650,000 since inception and attracted over 17,300 holders.
### Mutuum Finance Presale Progress
Currently, Mutuum Finance is in Phase 6 of its 11-phase rollout, which has already reached 70% capacity. Tokens are priced at $0.035 each, marking a 250% increase from the $0.01 entry price during Phase 1. This altcoin’s decentralized finance (DeFi) blueprint offers the potential for steadier gains, contrasting with the volatile swings typically seen in meme-driven assets.
As demand surges, MUTM is edging out competitors by promising sustained value in an otherwise volatile market. Phase 6 tokens are selling out quickly, and the opportunity to acquire them at this affordable price point is narrowing by the day.
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### Shiba Inu Faces Challenges in Maintaining Rally
Shiba Inu’s price has recently moved above the $0.00001 mark after a sharp decline last week. The pullback saw the token drop to a 2025 trough of $0.00000850, also prompting a recalibration that effectively removed a zero from its valuation. On-chain data reports show over 600 billion SHIB tokens leaving exchanges between September 22 and September 26, with nearly 1 trillion more removed during the October 11 crash. These movements suggest long-term holders are accumulating rather than selling, accelerating trading activity.
Technical indicators have pointed to a downward wedge pattern forming over several months marked by lower highs. Support has held in the range of $0.0000090 to $0.0000100, cushioning further downside. Momentum shifts are evident with the Relative Strength Index (RSI) moving out of oversold levels and the Moving Average Convergence Divergence (MACD) flattening on daily charts. However, resistance remains strong at $0.00001137 and the 30-day Simple Moving Average (SMA).
Analysts highlight potential breakout targets between $0.000022 and $0.000032 in the short term but caution that volume and broader market conditions could curtail the rally. Token burns have been significant lately, with 5.7 million SHIB tokens burned in one day and 46.6 million over the course of a week. While this contraction in supply is positive, it alone may not sustain upward momentum as profit-taking could impede price gains.
Initial support is identified at $0.0000105, with a possible downside scenario returning to $0.0000090. Due to its meme-token origins, Shiba Inu remains subject to wild price fluctuations and lacks the intrinsic utility necessary for long-term stability. Consequently, many investors are turning their attention to cryptocurrencies with stronger utility and growth prospects.
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### Mutuum Finance Presale Accelerates with Strong Momentum
Mutuum Finance (MUTM) has opened Phase 6 of its presale, sparking sharp interest among yield-seeking investors. Tokens are currently priced at $0.035, with approximately 70% of this phase already sold. The number of holders has climbed to 17,300, reflecting growing community engagement.
Since launch, the team has raised $17,650,000, underscoring robust demand for this DeFi project. Phase 6 is nearing completion, and buyers are eager to secure tokens before Phase 7 increases the price by 14.3% to $0.04. The token launch is anticipated at $0.06, offering early investors a potential 420% return on investment post-listing.
This rapid uptake demonstrates strong market FOMO (fear of missing out), with available slots at $0.035 disappearing swiftly. The MUTM team recently launched a dashboard to track the top 50 token holders. A daily leaderboard resets at 00:00 UTC, and the top buyer within each 24-hour period earns a $500 MUTM bonus after completing at least one transaction. Recent daily leaders have purchased tokens worth $1,814.27, $1,487.35, and $1,205.37 respectively.
Further enhancing trust, Mutuum Finance successfully completed a CertiK audit, scoring 90/100 for token security. Additionally, the project introduced a bug bounty program in partnership with CertiK, offering $50,000 USDT in rewards divided across four severity tiers: critical, major, minor, and low.
To celebrate the presale and attract more participants, a $100,000 MUTM giveaway is underway. Ten winners will each receive $10,000 in tokens. To qualify, participants must submit their wallet address, complete certain platform quests, and invest at least $50, significantly boosting community engagement and project hype.
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### Building Lending and Borrowing Utility
Mutuum Finance is also advancing its lending and borrowing protocol, with Version 1 planned for deployment on the Sepolia Testnet in Q4 2025. Key features of this protocol will include liquidity pools, mtTokens, debt tokens, and liquidator bots.
Initially, the protocol will support assets such as ETH and USDT for lending, borrowing, and collateral purposes. Interest rates for borrowing will correlate with utilization levels to balance supply and demand. When capital is abundant, interest rates remain low to encourage loans. Conversely, scarce funds increase rates to propel repayments and fresh deposits.
Borrowers can choose between variable rates and stable rates, with stable rates offering predictability despite starting higher. The system includes rebalancing mechanisms that trigger if variable rates exceed 90% of stable rates, ensuring fairness.
Overcollateralization safeguards positions, requiring borrowers to maintain more collateral than borrowed value. Liquidations occur if collateral value drops too low, with bonuses awarded to parties that help rescue at-risk loans.
Additional safeguards include deposit and borrow caps to limit exposure to illiquid tokens, and loan-to-value (LTV) ratios that cap borrowing at 75% for stable assets like ETH, tightening to 35-40% for more volatile tokens. Liquidation thresholds are set around 80% for low-risk assets and 65% for others. Reserve factors skim a portion of interest payments for safety pools, with higher percentages (up to 35%) applied for riskier tokens.
Price feeds will be sourced from Chainlink oracles with fallback mechanisms and data aggregation to ensure reliability. These features collectively fortify the protocol against volatility, positioning MUTM as a promising DeFi token designed for long-term utility and growth.
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### Why Mutuum Finance Stands Out for Long-Term Investors
When comparing options for the best crypto to buy today for long-term horizons, Mutuum Finance (MUTM) stands out by combining solid utility with strong presale momentum. Unlike meme tokens such as Shiba Inu, MUTM’s DeFi tools enable investors to earn yields without the risks of custody loss and extreme price volatility.
Those interested in securing exposure to this promising project should consider purchasing Phase 6 tokens now at $0.035 to lock in early gains ahead of upcoming price increases.
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