Is Mutuum Finance (MUTM) the Next $10 Crypto? Whale Buying Trends Suggest It Might Happen Sooner Than Expected
As the presale of Mutuum Finance (MUTM) progresses, on-chain data is beginning to reveal familiar whale accumulation patterns. Wallets that previously stacked Avalanche (AVAX) below $2 and Polygon (MATIC) near $0.01 are now seen actively accumulating MUTM at the current $0.035 price. This shift in buying activity shows that institutional-style players are positioning early in anticipation of a breakout. What’s drawing these large holders toward Mutuum Finance (MUTM) is not just momentum—but mechanics that are built to reward early ecosystem participation.
Unlike many projects, Mutuum Finance (MUTM) is being built for lending utility, dividend-generating staking, and Layer-2 scalability—all before even hitting exchanges like Binance, MEXC or so. The protocol’s P2C lending model already stands out as a major attraction. For example, a BNB holder supplying $20,000 worth of liquidity can lend it at an interest rate (based on pool utilization), backed by the borrower’s overcollateralization. With an LTV ratio of 60%, the protocol ensures borrower security while enabling lenders to earn consistent passive APY. This structure is fully automated and adjusts interest rates based on the pool’s utilization rate—further incentivizing early liquidity provision.
For borrowers, this mechanism unlocks capital without requiring them to sell assets. A strong appeal during sideways markets. Meanwhile, the upcoming mtToken staking module is designed to reward users with MUTM rewards which will be bought back from the open market using the protocol revenue, giving stakers and lenders an additional reason to keep assets locked within Mutuum Finance (MUTM) over the long term. These passive income structures are proving to be especially attractive to whales who value consistent returns while awaiting token appreciation.
Unlike P2C lending, the platform’s peer-to-peer (P2P) system introduces a more customizable environment. In this mode, users can directly negotiate loan terms—interest, duration, asset types—particularly suitable for higher-risk memecoins like TRUMP or DOGE. This layered design expands the lending ecosystem without depending solely on blue-chip liquidity, making Mutuum Finance (MUTM) dynamic in its lending architecture.
Momentum Builds Ahead of Beta and Price Shift
What further strengthens whale confidence in the project is its strategic launch roadmap. Mutuum Finance (MUTM) will deploy its smart contract suite on a Layer-2 network, enabling fast, low-cost transactions for both lenders and borrowers. This upgrade is crucial for scalability and usability, especially when handling thousands of transactions per day once the platform gains traction.
A public beta version of the platform will be accessible at its official listing, allowing users to experience the protocol’s core functions and provide real-time feedback. This early exposure will be a key driver for community expansion and retention, giving it an edge over other DeFi platforms that launch post-token listing.
The presale is now in Phase 6, priced at $0.035, and already 7% of the 170 million token allocation has been acquired. With over $13.8 million raised and a growing community of 14,700+ holders, demand continues to climb as the next price jump approaches. Once Phase 6 concludes, the price will rise to $0.040, marking a 15% increase. At listing, the token is expected to launch at $0.06, providing Phase 6 participants with early upside. For context, early-phase investors who joined during Phase 1 at $0.01 are already looking at a 250% increase before the token even launches on exchanges.
Analysts are beginning to weigh in on long-term projections. One prominent figure, who accurately predicted the DOGE rally in 2021, has estimated that Mutuum Finance (MUTM) may reach $10 by 2027, based on projected TVL growth, post launch exchange listing on Binance, Coinbase, MEXC and staking velocity. A rise of this magnitude from the current $0.035 price would equate to over 285x ROI, making it one of the most aggressive upside calls in the current DeFi cycle.
Final Words
In terms of security, the platform has undergone a rigorous audit by CertiK. With a Token Scan score of 95.00 and a Skynet rating of 78.00, Mutuum Finance (MUTM) is already demonstrating strong technical credibility. A $50,000 bug bounty has also been deployed in collaboration with CertiK, giving developers and researchers an added incentive to ensure the platform’s resilience.
The project is also engaging the broader community with a $100,000 giveaway campaign. Ten lucky winners will each receive $10,000 worth of MUTM tokens, a promotional move that is further accelerating user interest and presale participation. Social growth is aligning with these trends: the project has already surpassed 12,000 followers on Twitter, showing increasing social visibility as the presale progresses.
Whales who previously spotted the early upside of AVAX, MATIC, or DOT are once again circling. This time, they’re converging on a DeFi protocol still in its early stages—but backed by tangible utility, revenue-sharing incentives, and rapid user growth. Those who missed the generational gains on early-stage altcoins might soon find themselves priced out again—unless they act before the next phase closes. Mutuum Finance (MUTM) appears positioned not just to list, but to lead.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
