The first weeks of 2026 are introducing a significant shift to the crypto market. Investors had been seeking easy profits by investing in meme coins such as Dogecoin over the years. The trend today however is shifting towards the real financial tools projects. Capital is fleeing out of tokens that are based on jokes and towards protocols that have working technology. A single new crypto project is exemplifying this because it is reaching an enormous technical milestone during this month. The Dogecoin (DOGE) Dogecoin is now trading at approximately $0.12. The market cap is extremely large at more than $18 billion, and thus it cannot be easily moved upwards within a short time. Billions of new money are required to increase in value two times. Traders are observing major areas of resistance in the vicinity of $0.15 and $0.18. In case it does not shatter these barriers, the future might be bitter. Others who are bearish anticipate that DOGE would fall to $0.06 in the coming year. This is a 50% decrease of its current price. The supply is increasing indefinitely, and this is leading to concerns among many investors that the magic of the memes is wearing out. Mutuum Finance (MUTM) Mutuum Finance (MUTM) is a new decentralized lending protocol. It is anchored on the Ethereum network to provide users with a secure mechanism of lending and borrowing crypto. The project is still in its Phase 7 of the presale. It is already a bona fide fund of over $20.1 million and it has held over 18,900 holders. There are a total of 4 billion supplies of MUTM tokens. A huge percentage of 45.5% is the presale. This equals 1.82 billion tokens. Already sold more than 835 million tokens. Individuals are subscribing as they require an emblem that not only fits in a wallet. The protocol is developing high-efficiency financial tools, such as an 80% LTV (Loan-to-Value) ratio, allowing you to borrow $800 in liquidity for every $1,000 of crypto collateral deposited. On the lending side, users can earn a competitive 12% APY, meaning a $10,000 deposit could generate $1,200 in passive rewards annually. These features ensure that capital remains productive without users ever needing to sell their original assets. The Reason Why Investors Prefer MUTM over DOGE The largest cause of the shift is the release of V1 protocol on Sepolia testnet. In contrast to DOGE, MUTM has a working system currently testable. It has liquidity pools on assets such as ETH, USDT, LINK and WBTC. Borrowers receive interest-growing digital receipts called mtTokens to lenders. Debt tokens help borrowers to keep track of what they are owing. It goes to the extent of having an automated liquidator bot to make the system safe. This practical application is a big attractant to serious investors. The second reason is the potential growth. To be able to become $0.24, Dogecoin requires a huge dose of luck and hype. Analysts believe that DOGE will remain within the band of between $0.10 and $0.14 throughout the year 2026. On the other hand, MUTM is currently being sold at an extremely low price of $0.04 during the presale stage. The official launch price is $0.06. Analysts reckon that once it goes to mainnet the price may go up to the end of the year to $0.35 or even $0.50. This would be a far greater payoff than what will be provided by DOGE. Final Call for Phase 7 Phase 7 of MUTM is selling out very quickly. CertiK has a high score (90/100) of token scan security to the project and Halborn Security has fully audited the project. To make the community not to be inactive, it has a 24-hour leaderboard. The highest number of tokens purchased by a person in a day is a win of $500. Currently, it is possible to get MUTM with a guarantee of 50% off as compared to the starting point. The time to enter at this low price is running out as the V1 protocol demonstrates its value. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance
