Whales are now diversifying into BTC, ETH, and Mutuum Finance (MUTM) for potential 20x gains before the bull cycle peaks

A subtle but decisive shift is unfolding in the portfolios of crypto whales. Those traditionally parked in legacy giants like Bitcoin (BTC) and Ethereum (ETH) are now allocating serious capital to a rising DeFi project—Mutuum Finance (MUTM). What’s fueling this shift isn’t just speculative hype, but the protocol’s real earning engine: revenue-backed staking, a future-ready lending model, and a Layer-2 infrastructure that will deliver scale from day one.

Mutuum Finance (MUTM)

While BTC and ETH remain long-term staples, the capital efficiency and yield-generating design of Mutuum Finance (MUTM) is beginning to draw attention. P2C (peer-to-contract) lending forms the financial core of the protocol, allowing lenders to earn automatic interest from borrowers through shared liquidity pools. The demand for access to blue-chip assets is what feeds this model. 

An AVAX holder with $12,000 into a pool at 75% LTV will not only earn consistent APY but also serve borrowers in real time, earning passive returns from every repayment cycle. This is an automated, self-balancing interest ecosystem that directly links token demand with user activity—a concept that resonates with large investors seeking both stability and upside.

In parallel, the P2P (peer-to-peer) model gives users the flexibility to negotiate terms directly with borrowers. This feature is better tailored for those looking to engage in higher-risk trades, enabling personal agreements outside of the pooled rate system. Together, these lending mechanisms position Mutuum Finance (MUTM) as a dual-engine protocol—accommodating both institutional-grade lending and flexible peer-based negotiation.

Layer-2 performance and early access fuel market enthusiasm

Another layer to the whale strategy lies in infrastructure. Mutuum Finance (MUTM) is building on a Layer-2 network to reduce transaction costs and enhance speed, key ingredients for long-term adoption. Early access to the beta version before public listing is expected to draw high-volume users and developers, who are known to remain loyal to protocols they help shape in early phases.

Whales aren’t entering blind. The numbers speak volumes. Over $13.8 million has been raised in the presale, with 7% of Phase 6 tokens sold from the current 170 million allocation. Each token is priced at $0.035, with a sharp 15% price increase expected in Phase 7, which will raise the cost to $0.040. With a confirmed listing price of $0.06, early buyers will already be looking at strong entry margins, and that’s before exchange-driven volume kicks in.

Mutuum Finance (MUTM) has already earned its stripes in risk management too, as evidenced by its CertiK audit scores of 95 (Token Scan) and 78 (Skynet). On top of that, the project is running a $100,000 giveaway, offering ten lucky investors $10,000 worth of MUTM tokens each, amplifying both engagement and visibility.

Adding to the bullish sentiment is a familiar name from the last bull market. A former analyst—famed for accurately predicting Cardano’s (ADA) 2021 surge—now sees Mutuum Finance (MUTM) reaching $1.20 by the end of 2025. That’s a 20x jump from the current price point. For whales diversifying early, this isn’t just a theoretical moonshot—it’s backed by real cash flow models, early staking incentives, and a user-centric ecosystem launching in tandem with its listing.

This entry zone won’t last long

For anyone still debating whether it’s worth entering under $0.04, the answer from the whale wallets is already clear. The opportunity window is narrowing as demand continues to climb. With over 14,700 holders already on board, the next wave of accumulation will likely come fast as Phase 6 wraps up. Once the price jumps to $0.040 and momentum builds toward the listing at $0.06, even retail buyers will struggle to catch up.

Those who missed AVAX under $2 or MATIC under $0.01 are now watching those tokens multiply from the sidelines. Mutuum Finance (MUTM) is offering a similar runway—except this time, with a protocol that already shows working mechanisms, transparent audits, growing community traction, and long-term TVL potential. This might just be the final stretch where everyday investors can join whales in scooping undervalued gems before they take flight.

Don’t wait to be priced out. The road to $1.20 may already be underway—and it’s the early participants who always benefit the most.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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