Dogecoin, Pepe & MUTM: Three cryptos to watch in Q4

Dogecoin and Pepe dominate every meme chart this quarter. They move on pure community energy, driving waves of excitement across social media. But serious investors know that every strong portfolio needs balance — a fun meme token, a high-volatility play, and a real DeFi project built for utility and yield.

This is where Mutuum Finance (MUTM) enters the picture. While Dogecoin and Pepe rely on community momentum, Mutuum Finance (MUTM) combines active utility, a growing presale, and long-term earning logic that appeals to both whales and retail investors.

Dogecoin (DOGE)

Dogecoin (DOGE) remains one of the most popular memecoins in 2025. Its price has shown strong swings throughout the year. The coin is driven mainly by community excitement and social media hype.

DOGE provides opportunities for short-term gains, but it does not offer revenue-backed utility or structured yield. Investors seeking predictable returns might find Dogecoin (DOGE) less stable. DOGE will continue to attract traders who enjoy memecoin culture and speculation.

## Pepe (PEPE)

Pepe (PEPE) has experienced viral growth on social media in 2025. Its popularity has caused rapid price surges and sharp fluctuations. Returns on PEPE are highly unpredictable. It has limited functional use and does not provide structured benefits to holders.

As a result, Pepe (PEPE) is largely speculative compared to Mutuum Finance (MUTM), which offers systematic demand drivers and real DeFi utilities. PEPE will mainly appeal to traders seeking excitement and short-term swings.

## Mutuum Finance (MUTM)’s presale and testnet launch

First thing first, the presale stats and numbers of holders justifies the project’s authenticity and strong fundamentals. The Mutuum Finance (MUTM) presale is currently in Phase 6 at $0.035. Over $17.25 million has already been raised and more than 17,000 holders onboard.

The total token supply stands at four billion MUTM, and the next phase will lift the price to $0.04 — a 15% increase.

In addition to that unlike various memecoins, the project’s team has recently announced the launch of V1 of the protocol on Sepolia Testnet for ETH and USDT lending pairs planned for Q4 2025.

It will include main features such as a liquidity pool, mtToken, debt token, and a liquidator bot to make the system safe and efficient. These steady developments make Mutuum Finance (MUTM) a standout DeFi entry alongside two of crypto’s biggest meme icons.

## Stablecoin logic and lending simplicity

Mutuum Finance (MUTM) will introduce a lending model that works for both everyday users and professional investors. The system will have two parts: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending.

In the P2C model, lenders will deposit assets like USDT or ETH into the protocol’s smart contracts. For every deposit, they will receive mtTokens in a 1:1 ratio.

These mtTokens will represent the lender’s share in the liquidity pool and will keep earning yield as borrowers use the funds. For example, a lender staking $10,000 in USDT will receive mtUSDT tokens and earn interest automatically over time.

On the other side, borrowers will post crypto collateral to receive loans. If a borrower deposits $1,000 worth of SOL, they will be able to borrow up to 75% of that value, depending on the loan-to-value ratio.

When borrowers repay their loans, the debt tokens will be burned, restoring balance to the system. If prices drop sharply, a Liquidator Bot will step in to handle automatic liquidations, protecting the platform from losses.

This controlled structure will form the backbone of Mutuum Finance (MUTM)’s stablecoin ecosystem. Every stablecoin will be minted only when users borrow against approved collateral and will be burned when loans are cleared. The system will remain overcollateralized to keep its $1 peg safe.

Mutuum Finance (MUTM) governance will adjust interest rates to maintain the peg: higher rates when the stablecoin trades below $1 and lower rates when it trades above. This simple feedback loop will build trust, stability, and predictable returns for all users — three traits missing from many meme-driven projects.

Each cycle of borrowing, repaying, and liquidating will drive activity on the protocol. More transactions will mean higher revenue, which will later fund open-market buybacks of MUTM.

The bought-back tokens will then be distributed to mtToken stakers as rewards. This natural cycle will turn participation into direct token demand, giving Mutuum Finance (MUTM) a long-term value structure beyond speculation.

Oracles, security, and smart demand creation

Mutuum Finance (MUTM) will rely on Chainlink’s oracle system for live, accurate price feeds. These oracles will ensure that collateral values, liquidation events, and loan ratios stay fair for all users.

Backup feeds and aggregated data from decentralized exchanges will add another layer of reliability, building confidence among both lenders and borrowers.

As borrowing increases, pool utilization will rise. When utilization grows, interest rates will automatically increase, which will attract more lenders looking for better yields. This will deepen liquidity, when liquidity expands, borrowing will also rise, creating a larger base for platform revenue.

Each transaction in this loop will help grow the protocol’s treasury, which will later be used for MUTM buybacks and staking rewards. The result is a balanced growth system where activity, liquidity, and token demand all move together.

In addition to that, security remains central to Mutuum Finance (MUTM). The project is undergoing a full CertiK audit using manual review and static analysis. Its Token Scan Score stands at 90.00, and its Skynet Score is 79.00.

A $50,000 bug bounty program is also live, rewarding community members who find vulnerabilities before the platform’s mainnet launch. This proactive structure makes Mutuum Finance (MUTM) one of the most credible DeFi projects preparing for market debut in 2025.

A known analyst, who correctly called DOGE’s 60x rise in 2021, expects Mutuum Finance (MUTM) to reach $1.20 by mid-2026, up from a projected listing price of $0.06.

That represents a 1,900% gain from today’s presale price of $0.035. At that level, a $2,000 investment now would grow to $38,000, showing why crypto predictions continue to favor MUTM among early-stage DeFi assets.

The smart trio for Q4

Pepe and Dogecoin will always be the most popular memes, but Mutuum Finance (MUTM) adds genuine DeFi value to the fun. It combines staking rewards, governance control, a clear roadmap, and genuine use cases that make people want to own the token. DOGE and PEPE are fun, but MUTM will make money.

With 65% of Phase 6 having sold and the next phase costing $0.04, the greatest time to get in is quickly closing.

Adding Mutuum Finance (MUTM) to your portfolio along with Dogecoin and Pepe is a smart move for investors looking to have fun and make money in the fourth quarter. This is one of the most talked-about combos in this year’s crypto forecasts.

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