Two once-dominant altcoins are losing steam as the market enters Q4. Dogecoin (DOGE) and Cardano (ADA), both known for their massive early surges, are now showing weaker momentum, causing investors to refocus their attention on a new DeFi crypto priced at $0.035. Mutuum Finance (MUTM) is quickly becoming one of the most watched tokens of the quarter as allocation tightens and development prepares for its next major phase. Dogecoin (DOGE) Dogecoin became one of the most recognizable assets in crypto after its explosive early run. Backed by social sentiment, heavy online presence and viral energy, DOGE rose from fractions of a cent into billions in market cap. That rise created life-changing gains for some holders. But those days are now fading. DOGE’s current market cap makes fast growth unlikely. Analysts reviewing its long-term charts expect mild recovery at best. Even optimistic forecasts show only 5% to 15% upside over extended periods. DOGE depends on hype to move. Without that hype, the token has stalled, trapped under key resistance levels and losing visibility among serious investors. Cardano (ADA) Cardano (ADA) also delivered a major surge in its early years. Its research-driven development approach and smart contract roadmap helped push ADA into a multi-billion market cap. Early supporters saw significant upside as the project gained global attention. Today ADA faces the same limitation as DOGE. Its valuation is too large to deliver explosive growth. ADA’s price continues to drift, stuck below the $0.50 zone. Many analysts believe ADA may only rise 10% to 20% without a major breakthrough. Competition in the smart contract space is also stronger than ever, reducing ADA’s ability to regain early momentum. These factors have led many early ADA investors to begin comparing new assets that sit at the bottom of their growth curves rather than the top. Mutuum Finance has become a leading candidate among those discussions. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is building a decentralized lending protocol designed to support structured borrowing and lending. The system allows users to supply assets such as ETH or USDT while receiving mtTokens. These mtTokens increase in value when borrowers repay interest, creating yield tied to real activity. Borrowers use a dynamic model where interest levels change with liquidity, and loan to value limits protect positions from sudden volatility. This dual lending structure offers real functionality instead of relying on sentiment. Mutuum Finance began in early 2025 at $0.01 and has now climbed to $0.035, marking a 250% rise. The project has raised $19.250M, built a holder base of 18,500, and sold 815M tokens. Out of the total supply of 4B MUTM, 1.82B tokens, or 45.5%, were allocated to early buyers. Phase 6 is now over 96% allocated, with only a small amount left before Phase 7 introduces a near 20% price increase. The V1 testnet is confirmed for Q4 2025 through the official X account. V1 will include the lending pool, mtTokens, liquidation engine and debt module. ETH and USDT will be supported at launch, marking the first time users can interact with the protocol live. These combined updates explain why many traders view MUTM as one of the top crypto investments under $0.05. Yield Model and Oracle Development Mutuum Finance uses a tokenized yield system built around mtTokens. As borrowers repay interest, mtTokens become more valuable. A user who supplies $600 in ETH may see mtTokens grow as adoption increases. This gives MUTM a utility-driven foundation. The buy and distribute model reinforces this. A portion of the platform’s revenue is used to buy MUTM from the open market. Purchased tokens are then distributed to mtToken stakers. This creates natural buy pressure and rewards participation in the lending pool. Mutuum Finance is also developing an oracle system centered around Chainlink feeds. Accurate pricing is essential for lending protocols because incorrect values can result in faulty liquidations. By using Chainlink alongside additional data layers, the protocol aims to protect collateral positions and strengthen overall security. Because of these mechanics, analysts reviewing crypto predictions expect Mutuum Finance to reach a 5x to 7x range after V1 if borrower activity grows as projected. Long-term models show possible upside extending into the 400% to 600% range through 2027 if stablecoin borrowing and liquidity expansion support broader adoption. Layer-2 Expansion Prepare MUTM for Larger Growth Mutuum Finance is developing a USD-pegged stablecoin backed by borrower interest. This stablecoin will increase liquidity, offer predictable borrowing conditions and expand the set of assets available to users. Stablecoins are essential for lending platforms because they stabilize loan structures and support cross-asset borrowing. Layer-2 expansion is another core part of the roadmap. L2 networks offer faster transaction speeds and lower fees. Lending platforms depend on quick updates to collateral, liquidation triggers and interest movement. L2 integration will allow Mutuum Finance to operate smoothly as activity increases. These upgrades place the project in a strong position for the next cycle and separate it from meme tokens like DOGE and SHIB, which rely on sentiment, not utility. Security and Why Investors Are Moving Fast Mutuum Finance has completed a CertiK audit with a 90/100 Token Scan score. Halborn Security is reviewing the deeper logic behind collateral, interest and liquidation behavior. A $50,000 bug bounty is active for developers to help test the system. These layers give investors confidence that the protocol is preparing for live usage with safety at the center. The project’s 24-hour leaderboard also encourages daily participation, rewarding the top contributor with $500 MUTM. Card payment support increases accessibility, helping expand the global user base. With Phase 6 now above 96%, urgency is building fast. A recent whale entry of $115K accelerated the allocation even further, leaving only a small portion available at the current $0.035 price. Dogecoin and Cardano face limited upside. Mutuum Finance sits at the opposite end of the cycle. It is developing, utility-driven, audited, approaching a major release and nearly sold out in its key allocation stage. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses. The post DOGE and ADA Lose Momentum While MUTM Becomes the Most Watched $0.035 DeFi Crypto of Q4, Investors Compare appeared first on Times Tabloid .
