Ethereum (ETH) whales appear to be accumulating a new crypto that’s gaining attention across the DeFi sector: Mutuum Finance (MUTM). The Ethereum-based project is developing a decentralized lending and borrowing platform that could reshape how liquidity is managed in decentralized finance. As 2025 enters its final quarter, large investors seem to be positioning early, aiming to capture potential returns before the project’s main rollout next year.
Why ETH Whales Are Accumulating MUTM
Whale investors often look for asymmetric opportunities — tokens with strong fundamentals, clear timelines, and practical use cases that can deliver exponential growth before they enter the mainstream. Mutuum Finance fits that profile closely.
The project has already raised more than $17.6 million and onboarded over 17,300 holders, with Phase 6 of its structured presale now over 70% sold out. The MUTM token price has climbed from $0.01 in Phase 1 to $0.035 today, representing a 250% increase for early backers.
At launch, the token will list at $0.06, and some analysts predict it could reach $0.25–$0.30 shortly after trading begins, an increase of up to 750% from current levels.
Whales see this kind of setup as the perfect mix of timing and opportunity: low entry price, transparent fundraising, and a functioning platform already in development. By entering during the presale, they secure exposure before potential exchange listings and wider market participation.
Mutuum Finance is more than another speculative altcoin. It’s built around a fully functional lending and borrowing ecosystem, allowing users to earn passive income or access liquidity without selling their assets.
The platform will debut with a Version 1 (V1) protocol on the Sepolia testnet in Q4 2025, which will include core mechanisms like liquidity pools, mtTokens for yield tracking, and automated liquidation tools to maintain system stability.
This focus on practical functionality, is what’s catching the attention of ETH whales. Many of them are looking for ways to diversify into DeFi assets that can generate consistent on-chain activity and revenue, especially as the next bull cycle approaches.
Stablecoin Integration: A Major Catalyst for Growth
Another reason analysts expect sustained interest in MUTM is the team’s plan to introduce an over-collateralized stablecoin within its ecosystem. This stablecoin will play a central role in creating predictable borrowing markets while redirecting a portion of the protocol’s interest revenue back into the treasury and MUTM buybacks.
For long-term investors, this design adds a key layer of sustainability. The more users borrow and lend, the more demand is created for the stablecoin — and by extension, for MUTM itself. It’s a self-reinforcing system that ties token value directly to protocol activity, a feature rarely seen in early-stage projects.
Whales are particularly drawn to these types of feedback loops because they support long-term value creation rather than short-term speculation. In this case, stablecoin integration gives Mutuum Finance an edge over many DeFi competitors that rely solely on yield farming or token incentives to maintain engagement.
Long-Term Potential
The broader DeFi world is primed for renewal as Ethereum continues to dominate Layer-1 development and institutional adoption grows. Mutuum Finance, built natively on Ethereum, benefits directly from that momentum. Its roadmap outlines further expansions — including Layer-2 integrations and multi-chain support — aimed at boosting scalability and attracting new liquidity sources.
With its testnet launch approaching, its presale nearing sellout, and its roadmap advancing on schedule, Mutuum Finance is increasingly being viewed as one of the best cryptos to buy now before the next bull run begins. Whales entering at this stage are betting on what could be one of the top-performing DeFi cryptos of 2026, combining real utility, revenue-driven mechanics, and early-mover advantage.
Mutuum Finance is an Ethereum-based DeFi protocol developing a decentralized lending and borrowing platform. The project introduces mtTokens to track yields and aims to connect real on-chain activity with token demand through a buy-and-distribute model. With over $17.6 million raised, 17,300 holders, and a Q4 2025 testnet launch ahead, it’s being closely watched as a potential breakout altcoin in the next market cycle.
For more information about Mutuum Finance (MUTM) visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
:::tip
This story was published as a press release by Btcwire under HackerNoon’s Business Blogging Program. Do Your Own Research before making any financial decision.
:::
\
