After slumping 64%, PEPE currently sits at all-time lows, leading many to speculate whether the price has entered an irreversible decline. Analysts point to fading social media hype — and a glaring lack of real-world utility — as reasons for the memecoin’s freefall, which also revealed its vulnerability to sudden sell-offs. As Phase 4 of the sale progresses at $0.025 per token, Mutuum Finance (MUTM) is still attracting capital, and its presales have passed $6.5 million. As Phase 5 is set to increase prices by 20%, investors are focusing on projects that bring innovation together with real financial structures.
Pepe’s Downward Spiral
Pepe’s fall exposes deeper structural fissures. Riding initially high on meme-driven ambitions, the token now struggles with cooling community interest and vague development aims. Whaled out quickly, skeptical of its speculative underpinning and lack of problem-solving use cases. Pepe lacks the lending or yield mechanisms that decentralized finance (DeFi) platforms are built on, and instead depends entirely on cultural significance — a plan experts label as “economically unsustainable.”
PEPE has been trending downward since the recent peak in 2025 and as such, it is struggling to hold down on its recent trading charts showing PEPE down 64% down from its recent peak in 2025. Analysts say recovery is unlikely unless ecosystems are upgraded immediately. “Tokens based only on virality tend to never recover,” says a veteran crypto strategist. “Investors are now focused on protocols that offer utility, not just internet fads.” This echoes across exchanges, with PEPE’s trading volume left to die alongside its price.
The Presale Momentum of Mutuum Finance
Instead, Mutuum Finance (MUTM) is taking advantage of DeFi’s move toward functional ecosystems. Over 8,100 holders have already signed up for the presale ($0.025) with 395 million tokens sold. The lending infrastructure of the project—allowing for collateralized loans and passive income through mtTokens—appeals to investors looking for stability.
Phase 5 raises the token price to $0.03, which would give current buyers an immediate 20% profit. Mutuum Finance has a $0.06 listing target, which means that early participants can lock away as much as 140% returns at launch. After the initial onslaught of buying, MUTM looks to fly, some very early estimations range up towards $1.50 and $3.50 as platform use takes off. These percentages mean possible 2,300% to 5,900% ROI for those coming in Phase 4, far outstripping typical market returns.
Built-In Demand Drivers
The tokenomics of Mutuum Finance engineer perpetual buy pressure. A portion of platform fees are paid out for automatic MUTM buybacks which redistribute tokens to mtToken stakers. This mechanism reduces supply and encourages long-term holding — directly opposed to memecoins’ volatility. Also its overcollateralized lending model minimizes default risks, which is a siren song to institutional players eyeing growth of DeFi.
Security is a priority with Mutuum Finance completing a Certik audit to invalidate the authenticity of the smart contract. Official channels are slated to announce results, due any time now—undoubtedly building confidence in traders.
Timing the Opportunity
The window for Phase 4 of the Mutuum Finance project is closing. The entry point of $0.025 — some 20% below where it will enter its next phase — is the last low-cost opportunities before exchange listings. Historical data has shown that presale tokens usually skyrocket after launch, especially ones that come with audited contracts and buy pressure mechanics.
As Pepe’s community scrambles for the exits, meet Mutuum Finance (MUTM): the new DeFi blueprint for sustainable growth. The combination of lending utility, utilities from strategic token burns, and transparent roadmaps means it is set not only to survive, but thrive in 2025’s changing landscape.
Become one of 8,100+ investors leveraging Mutuum Finance’s Phase 4 presale. Buy at $0.025 for MUTM before Phase 5 which will lift the price to $0.03. Get in now at the official website.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance
