Large-scale crypto investors, often called whales, are quietly moving capital away from SOL. They are now seeking undervalued projects with strong real-world utility. Mutuum Finance (MUTM) has become the prime choice. Unlike mature Layer-1 tokens, MUTM will offer a full platform with real revenue streams and integrated stablecoin mechanics. Whales are looking for assets where early entry provides real advantages, not just price speculation. They are targeting projects that combine token value with platform utility.
Presale Momentum and Investor FOMO
Mutuum Finance (MUTM) is currently in Presale Phase 6, and the numbers are impressive. The total supply of MUTM is 4 billion tokens. Combined across all presale phases, the platform has raised about $18.8 million and more than 18,100 holders have already participated. The current price is $0.035 per token, Phase 6 alone has 170 million tokens allocated, with 92% already sold out. The next phase price will jump 15% to $0.040, creating strong FOMO among investors.
An investor who purchased $5,000 in Phase 1 at $0.01 holded 500,000 MUTM. At the current Phase 6 price of $0.035, their holdings are valued at $17,500. When Mutuum Finance (MUTM) reaches its future milestones, the same 500,000 tokens will grow to $250,000 to $500,000. This clear upside demonstrates why whales are choosing MUTM over established Layer-1 tokens.
Whales are entering aggressively, knowing this is the last opportunity to acquire MUTM at the current discounted rate. Recently there is a major update in payment options as now MUTM tokens can be purchased directly with debit and credit cards with no purchase limits, widening access and ensuring more participants join the presale.
Mutuum Finance (MUTM) and Its Utility Edge
Mutuum Finance (MUTM) will be a dual-lending DeFi platform. Its P2C lending pools will handle blue-chip assets like ETH and USDT, providing secure returns for cautious investors. P2P lending will support riskier tokens such as TRUMP, and SHIB, giving high-yield seekers a chance to earn more. This dual structure ensures broad appeal, attracting both conservative lenders and aggressive traders. Mutuum Finance (MUTM) will combine these features into one ecosystem, creating a strong utility-driven demand for the token.
Whales are exiting SOL because its gains are slowing. The upside for SOL holders is limited as the network matures. In contrast, Mutuum Finance (MUTM) offers future revenue streams, including staking, buybacks, debt tokens, mtTokens, and network revenue sharing. Whales will benefit from pre-launch asymmetry, entering a system where value creation will start on day one. MUTM will deliver utility alongside its token launch, a rare advantage in the crypto market.
Platform Launch,Bybacks and $1 Pegged Stablecoin
The simultaneous launch of Mutuum Finance (MUTM)’s platform and MUTM token listing will provide immediate utility. Users will access lending and borrowing features while exchanges may list the token on day one. This coordinated launch is expected to trigger volume spikes and accelerate approvals for Tier-1 and Tier-2 exchanges. Day-one utility will generate real demand, making MUTM attractive to both whales and retail investors seeking the next big cryptocurrency.
The platform will implement a buy-and-distribute model. Revenue generated by Mutuum Finance (MUTM) will be used to buy MUTM from the open market. Repurchased tokens will then be distributed to mtToken stakers. As platform usage increases, revenue will grow, generating more buybacks and upward price pressure. This mechanism will reward early participants and ensure that token value is tied directly to ecosystem adoption.
The projection of Mutuum Finance (MUTM) includes an over-collateralized stablecoin. Users will be able to mint it using ETH, SOL, AVAX, and other approved assets. Repayments and liquidations will burn stablecoins, while interest-rate governance will help maintain a stable $1 peg. The stablecoin will act as the stabilizing asset behind Mutuum Finance’s P2C and P2P lending frameworks, enabling uninterrupted borrowing and lending activity while ensuring liquidity keeps circulating across the platform. As stablecoins are a cornerstone of DeFi, a protected, overcollateralized model could help generate consistent, long-term demand for MUTM.
Multi-chain expansion and future integrations will increase utility and create further revenue streams. Whales are entering early to benefit from these forward-looking mechanisms, ensuring they capture maximum value before wider adoption.
Tech Development Update
Mutuum Finance (MUTM) announced via its official X profile that the V1 release of its protocol will go live on the Sepolia Testnet in Q4 2025. This first iteration introduces the key components of the ecosystem, including the liquidity pool, mtToken and debt token mechanisms, as well as an automated liquidator bot designed to keep the system stable and secure. During this phase, users will be able to lend, borrow, and use ETH or USDT as collateral.
Launching V1 on a testnet allows the community to experience the platform early and understand how the system works before the full mainnet deployment. This early-access strategy increases transparency, encourages user feedback, and strengthens overall engagement. As participation grows and awareness spreads, it may boost interest in the platform and support long-term demand for the MUTM token.
Phase 6 is 92% sold out, with the next phase raising the price from $0.035 to $0.040, a 15% jump. Mutuum Finance (MUTM) is also running a $100,000 giveaway, where ten winners will receive $10,000 each in MUTM. Whales are not waiting, and retail investors will follow the same path. With its dual-lending model, future stablecoin, staking, buybacks, and strategic roadmap, Mutuum Finance (MUTM) will answer the question is crypto a good investment for early participants seeking growth and utility.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
