Dogecoin (DOGE) enjoyed a record-breaking 10,000% gain in 2021 that went to the hearts of retail traders and meme enthusiasts alike. However, such parabolic rises are driven by speculative mania and are difficult to follow. Rather, Mutuum Finance (MUTM) is making its way through its utility-oriented approach. At presale stage 6 at $0.035, MUTM is constructing a lending-and-borrowing protocol with actual utility and far higher upside in the early days.