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Before every Bitcoin (BTC) rally, the pattern repeats. Early whales quietly start accumulating undervalued digital assets while retail investors wait for confirmation on crypto charts. In 2019 and 2020, similar moves led to enormous gains when BTC broke out and DeFi tokens multiplied in value.

Now, those same early accumulators are turning their attention to Mutuum Finance (MUTM) — a presale-stage DeFi project that will combine real yield, on-chain transparency, and sustainable lending mechanics.

In this article we will share some of the top reasons why the whales are accumulating this defi coin.

The presale of Mutuum Finance (MUTM) is currently in Phase 6, priced at $0.035 per token. The project has raised around $17.25 million and attracted more than 17,000 holders.

About 65% of the 170 million tokens in this phase have already been sold. Once the next phase opens, the price will rise to $0.04 — a 15% increase.

Mutuum Finance (MUTM) will launch as a Layer-2 powered DeFi ecosystem that supports both institutional and retail liquidity.

Its architecture merges two distinct models — Peer-to-Contract (P2C) and Peer-to-Peer (P2P) — to create a flexible lending market designed for stability even during volatile Bitcoin (BTC) cycles.

In the P2C model, lenders will deposit assets such as ETH and ADA into audited smart contracts. These funds will generate returns through dynamic utilization.

When borrowing demand increases, interest rates will automatically adjust to keep pools balanced and yields competitive. Lenders will receive mtTokens representing their deposits plus accumulated interest, which they will also use as collateral to unlock new borrowing opportunities.

Borrowers will post collateral at healthy loan-to-value ratios and access stable liquidity without exposure to undercollateralized risk. Each loan will be governed by transparent smart contracts and supported by real-time oracles for accurate pricing.

Mutuum’s P2P structure will serve as a marketplace for riskier or niche assets like DOGE or SHIB. Here, lenders and borrowers will negotiate directly, setting custom rates and durations.

This format will allow for higher returns on volatile assets while insulating the main liquidity pools from excessive exposure.

Every position on the platform will be overcollateralized and safeguarded by Mutuum’s Stability Factor mechanism. Automated bots will monitor collateral health and execute liquidations when values fall below thresholds.

This system will prevent bad debt from spreading and will keep all pools solvent — a critical safeguard during a crypto crash.

Mutuum Finance (MUTM) will follow a detailed roadmap built around progressive development and transparent milestones. Phase 1 already covered presale initiation, marketing campaigns, community growth, external audit, AI helpdesk setup, and token listing on tracking sites.

Phase 2 will involve the construction of core smart contracts, front-end and back-end systems, and risk analytics.

The third phase will finalize external audits, prepare for exchange listings, and complete testnet deployment with full compliance checks. The final phase will include the mainnet release, MUTM exchange listings, activation of the bug bounty program, and multi-chain expansion.

The team has announced via the X post that the protocol’s Version 1 will debut on the Sepolia Testnet in Q4 2025. This early deployment will feature lending and borrowing modules, mtTokens, debt tokens, and automated liquidation bots.

ETH and USDT will serve as the initial supported assets, offering a live demonstration of Mutuum’s on-chain efficiency and lending logic before its full-scale launch.

The testnet and practical roadmap show that the platform doesn’t just talk about progress—it consistently delivers it through regular testnets and milestone achievements. Such practicality and professionalism are rare in today’s market, making traders, especially whales, view the project as highly reliable.

Mutuum Finance (MUTM) will incorporate several economic mechanisms designed to generate long-term on-chain revenue and reward ecosystem participants. 

A portion of borrower interest will accumulate in a reserve buffer, creating a treasury-based safety net that ensures ongoing liquidity. Liquidation events will generate protocol revenue, part of which will be allocated for MUTM buybacks and distributed to mtToken stakers as rewards.

Secondly, Loan-to-value ratios and liquidation thresholds will be calibrated by asset type, allowing blue-chip collateral to support higher borrowing limits while restricting volatile tokens within controlled risk margins.

Together, these systems will establish Mutuum Finance (MUTM) as a stable revenue engine — one that supports stakers, lenders, and borrowers while maintaining full transparency on-chain.

Whale psychology has always been based on one idea: gather before everyone else knows what’s going to happen. The data presently suggests that the trend of early accumulation has moved toward audited DeFi businesses that focus on yield, such Mutuum Finance (MUTM).

MUTM is quickly becoming the DeFi coin that early investors are stacking up on before Bitcoin (BTC) breaks out in price again. This is because it has a strong technical base, a clear roadmap, and a growing presale momentum.

The Phase 6 presale is already 65% done for $0.035, and the following phase will cost $0.04. People that buy early and lock in now are doing so before the last discount period expires. This is the same kind of early entry approach that whales have employed for years to stay ahead of the market.

The sub-$0.04 window will close once the next phase starts. This will leave Mutuum Finance (MUTM) as the best DeFi possibility for the next big wave of cryptocurrencies.

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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