Mutuum Finance has been making quiet but powerful moves in the DeFi space, and those watching closely are starting to notice the signs.
One of the clearest? Whale wallets are getting involved—fast.
With the current presale in Phase 5 and the price still under $0.035, this may be the last low-entry opportunity before things really take off.
Whales—crypto’s big money movers—don’t usually pile into projects without a solid reason.
When they do, it often signals more than just confidence.
It suggests they see potential that hasn’t yet been priced in.
In the case of Mutuum (MUTM), early-stage fundamentals, a limited presale supply, and real DeFi utility are driving these capital-heavy players to take position before the wider market wakes up.
Why whales are backing Mutuum Finance
Copy link to section
Mutuum Finance (MUTM) is building a decentralized, non-custodial liquidity protocol designed for both lenders and borrowers.
What makes it particularly attractive to capital-efficient whales is how it’s structured for flexibility and growth.
Its dual lending model—offering both pool-based (P2C) and peer-to-peer (P2P) options—lets users decide their preferred level of risk and customization.
Lenders can earn passive yield by contributing to liquidity pools, while borrowers can secure over-collateralized loans without selling off their long-term assets.
Adding to the appeal is the protocol’s smart use of automated rate adjustments.
Instead of setting fixed interest rates, Mutuum allows supply and demand to naturally shape the market.
When borrowing demand rises, rates increase, benefiting lenders.
When supply is plentiful, borrowers enjoy more favorable terms.
This dynamic approach to capital allocation ensures that users are always met with fair conditions—and it’s a key feature that whales recognize as future-proof.
Token price still under $0.035 in Phase 5
Copy link to section
What’s happening now in Phase 5 is worth paying close attention to.
The project has already raised over $9 million in this phase alone, with more than 503 million tokens sold across all stages so far.
Despite this momentum, the price remains under $0.035, which is why many believe this may be the last opportunity to enter before the price climbs sharply in Phase 6 and beyond.
With over 10,950 holders and growing, it’s clear that both retail and institutional interest is accelerating.
Whales often target protocols that offer early-stage entry points and strong future deliverables. In Mutuum’s case, that’s exactly what’s unfolding.
According to the roadmap, the team is preparing to launch a beta version of the platform right as the token goes live.
This means investors aren’t waiting years for utility—they’re buying into a system that’s already close to real-time function.
And with the project hosting an ongoing $100,000 giveaway, the excitement surrounding this presale window is only getting stronger.
Built for passive income, not just hype
Copy link to section
Another reason big investors are gravitating toward MUTM is the protocol’s non-custodial foundation.
In simple terms, this means users never give up control of their assets.
All deposits are held in smart contracts on the blockchain, and users receive mtTokens that reflect both the initial deposit and accrued interest.
It’s a system built for transparency, security, and long-term trust.
Moreover, there are no strict minimum or maximum deposit requirements in place.
This allows both small and large investors to participate freely, though whales typically appreciate the flexibility to make large moves without artificial limitations.
The platform’s design naturally encourages wide participation while still catering to high-volume strategies.
For those who borrow instead of sell, Mutuum offers a way to unlock liquidity while keeping exposure to potential gains.
Instead of selling assets and incurring taxes or giving up long-term upside, users can borrow stablecoins against their crypto holdings.
Whether it’s for portfolio diversification, short-term spending, or leveraging other DeFi opportunities, this use case continues to gain traction.
And for lenders, the yield potential is hard to ignore.
In pool-based lending, rewards scale with usage. As more borrowers tap into liquidity, interest rates increase—meaning better returns for those supplying capital.
In the peer-to-peer model, lenders can negotiate directly with borrowers to set customized loan terms.
This is ideal for those looking for higher returns or more control over risk exposure.
The deeper you look into Mutuum Finance, the more it becomes clear why whales are making their moves now. It isn’t just about speculation—it’s about timing.
The window to participate at sub-$0.035 levels is closing fast. With only a limited number of tokens available in each presale phase and rising prices in later stages, the urgency is real.
Mutuum’s value proposition is only strengthening. The protocol’s automated systems, flexible models, and beta-ready platform mean that it’s not just a promise—it’s a product.
As soon as the token goes live, users will be able to interact with the core features that whales are betting on today.
Add in the passive dividend distribution model—where stakers benefit from MUTM buybacks funded by platform revenue—and it’s no surprise this project is gaining serious attention.
For anyone watching from the sidelines, now may be the time to act.
History shows that whale activity is often the precursor to major price movement.
And when that movement begins, those who hesitated are usually the ones left chasing the rally.
Mutuum still offers access at a low entry point, but that won’t last much longer.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.finance/
Linktree: https://linktr.ee/mutuumfinance
This article is authored by a third party, and Invezz does not endorse or take responsibility for its content, accuracy, quality, advertisements, products, or materials. Readers should independently research and exercise due diligence before making decisions related to the mentioned company.
