Meme rotation eyes utility as Pepe’s 30M move sparks $0.035 lookalike buzz

The recent movement of a massive 30 million PEPE tokens from a whale wallet has reignited discussions in the crypto community about capital rotation.

Historically, large holders in meme coins have been early in spotting the next wave of ROI opportunities, and this latest shift is turning eyes toward utility-driven projects. In today’s risk-aware market, many traders are looking past pure meme hype and targeting DeFi crypto plays that offer both stability and yield.

One standout in this conversation is Mutuum Finance (MUTM), a new crypto that blends lending innovation with income-focused staking — a setup designed to attract both risk-tolerant and income-seeking investors.

Pepe (PEPE)’s wallet move

On August 12, 2025, a whale wallet moved 2.21 trillion PEPE tokens (~$30 million) from Binance to a private address, per The Data Nerd on X.

This follows a 1.79 trillion PEPE ($22.35M) withdrawal by wallet 0x6ea earlier that day, marking one of the largest single-day accumulations, per web:5. PEPE’s price, at ~$0.0000135, reflects a 14.5% weekly gain despite a broader meme coin dip, with $981.3M in 24-hour trading volume, per CoinGecko. 

Technical indicators show PEPE testing $0.000014 resistance, with RSI at 58 and support at $0.000012. The move suggests whale confidence, possibly for long-term holding, as exchange outflows reduce sell pressure.

However, macro factors like U.S. tariffs and a $2.12M whale sell-off pose risks, per Lookonchain. A breakout above $0.000014 could target $0.000016, but a drop below $0.000012 risks $0.000010.

Mutuum Finance (MUTM): from meme hype to collateral utility

Mutuum Finance (MUTM)’s $1 stablecoin is designed to act as a dependable DeFi anchor. It is minted only when users borrow against collateral like ETH and is burned when the loan is repaid or liquidated.

With a governance-managed interest rate to keep the peg, this mechanism aims to keep stability even during volatile market conditions.

This core stability layer is complemented by the platform’s mtToken staking model, which uses revenue from the protocol to buy back MUTM from the open market and distribute it to stakers — a straightforward way to turn platform growth into direct user rewards.

The real intrigue for meme coin veterans lies in how Mutuum Finance (MUTM) treats digital assets. Through its peer-to-peer (P2P) model, users can negotiate rates directly and use a variety of tokens, including meme coins, as collateral.

For example, a PEPE holder can deposit their tokens as security to borrow any stablecoin, gaining liquidity without selling and while maintaining exposure to any PEPE price rallies.

This approach blends speculative upside with practical borrowing power, something that appeals to traders looking to keep their positions intact while moving into other plays.

Mutuum Finance (MUTM)’s peer-to-contract (P2C) model also broadens possibilities by pooling liquidity and automatically setting rates based on usage. This allows lenders to earn interest on bluechip cryptos or stablecoins while keeping them safe in non-custodial smart contracts.

Depositors receive mtTokens in return, which appreciate in value as interest accrues and can be integrated into other DeFi platforms for compounding gains.

The project is currently in Phase 6 of its presale, priced at $0.035, having generated around $14.43 million so far, with over 15,300 holders and 17% of the total supply already sold.

Phase 6 has a supply of 170 million tokens, and the next phase will lift the price to $0.040, creating urgency for those looking for the best cheap crypto to buy now before the next price tier.

An investor who secured MUTM in Phase 3 at $0.02 will see a 200% increase in value once the token lists at its $0.06 target.

That is a significant outperformance when compared to traditional assets, and even challenges the gains of some top-performing crypto coins over the last cycle.

This is why MUTM is gaining traction among those asking what’s the best crypto to buy in a post-meme rotation market.

Building for long-term growth

Mutuum Finance (MUTM)’s roadmap is structured in four clear phases aimed at ensuring stability, utility, and adoption. Phase 1 focuses on presale launch, marketing, a $100,000 giveaway for ten winners, a $50,000 severity-based bug bounty, an AI helpdesk, and legal compliance preparations.

Phase 2 is about building the infrastructure — core smart contract development, front-end and back-end creation, and analytics tools.

Phase 3 transitions into finalizing the platform, including beta testnet demos, security audits, and preparing for exchange listings on major platforms such as Binance, KuCoin, and Coinbase. Phase 4 marks delivery — the live launch of the platform, multi-chain expansion, and forging institutional partnerships.

Security is already in focus, with a CertiK audit returning strong ratings: a Token Scan score of 95 and a Skynet score of 78. This adds a layer of trust to the project, especially for investors who see security as a key criterion for the best crypto coin to buy.

The current wave of whale speculation suggests that large holders are positioning themselves ahead of the next growth phase in DeFi. Mutuum Finance (MUTM) offers them — and retail traders — a rare blend of bluechip-grade borrowing power, stablecoin-driven income, and roadmap-backed growth.

As the presale approaches its next price increase, the window for entry at $0.035 is narrowing.

With meme capital now sniffing out sustainable utility plays, MUTM is rapidly moving from being just a new crypto to becoming a contender for the best crypto to invest in before exchange listings drive the next valuation jump.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Meme rotation eyes utility as Pepe’s 30M move sparks $0.035 lookalike buzz appeared first on Invezz