Large investors rarely chase the very first move. Instead, they wait for confirmation. Once a project shows real traction, capital begins to rotate. Market commentators suggest this pattern is common among Ethereum whales, especially after a token proves demand without becoming expensive. That is why attention is shifting toward a new cryptocurrency that has already climbed sharply yet remains priced under $0.1. Early investor sentiment indicates that this shift is less about short-term trades and more about positioning ahead of the next expansion phase.
What you'll learn 👉
Ethereum (ETH)
Ethereum currently trades near $3,150 and carries a market cap of roughly $380B. It remains the backbone of decentralized finance and smart contracts. Liquidity is deep, and adoption is global.
Still, resistance zones are clear. Crypto charts show strong selling pressure around $3,500. Ethereum has tested this level before and struggled to hold above it. Some analysts believe that moving past this zone would require a strong market-wide push rather than organic growth alone.
Ethereum’s size also shapes expectations. With a market cap in the hundreds of billions, even strong rallies tend to produce steady gains rather than sharp multiples. This is why many ETH whales are looking for lower-cost tokens with higher upside potential. They are not leaving Ethereum behind. They are complementing it with earlier-stage exposure.
Mutuum Finance (MUTM)
Mutuum Finance is a developing new crypto project focused on lending and borrowing. Its design centers on real usage rather than narrative.
The protocol uses a peer-to-contract model that allows both lending and borrowing through shared liquidity pools. Users supply assets into shared pools and receive mtTokens. These mtTokens represent the deposit and increase in value as interest accrues. For example, if a user supplies $1,000 worth of ETH and the pool generates a 6% APY, the mtTokens automatically reflect that growth over time. There is no need for manual claims.
Mutuum Finance also supports borrowing. Borrowers open positions by providing overcollateralized collateral. Loan-to-value ratios help manage risk. A borrower might deposit $2,000 worth of ETH and borrow up to $1,500 in USDT at a 75% LTV. If collateral value drops too far, liquidations are triggered. Liquidators repay part of the debt and receive collateral at a discount. This keeps the system solvent.
MUTM Growth and Halborn Security
Mutuum Finance began its presale in early 2025 and has moved through multiple stages. To date, the project has raised about $19.6M and attracted more than 18,800 holders. Roughly 825M tokens have already been sold from the presale allocation.
Out of a total supply of 4B tokens, 45.5% or around 1.82B tokens are allocated for the presale. Pricing has adjusted gradually with each phase. The token currently trades at $0.04 after completing Phase 7. From the initial $0.01 entry price, this reflects a 300% rise. The official launch price is set at $0.06.
Security has been addressed early in this process. The V1 lending and borrowing protocol has completed an independent audit by Halborn Security. Mutuum Finance also holds a 90/100 CertiK token scan score and runs a $50k bug bounty focused on code vulnerabilities. These steps are crucial because they reduce uncertainty as the project moves closer to active usage. Market commentators suggest that whales often wait for this stage before allocating larger amounts.
V1 launch, stablecoin focus, and Phase 7 context
According to the official X statement, Mutuum Finance is preparing the V1 Protocol release of its lending and borrowing protocol. The first deployment is planned for the Sepolia testnet in Q1 2026. Initial supported assets include ETH and USDT. Core components include liquidity pools, mtTokens, debt tokens, and an automated liquidator bot.
Stablecoins play a central role in this design. USDT lending supports predictable borrowing and reduces volatility exposure. This is important during periods when investors question why crypto is down today or when markets move sideways. Stablecoin lending often remains active even in uncertain conditions.
The roadmap also includes layer-2 integration. Layer-2 networks lower transaction fees and improve speed. For lending platforms, this can increase participation and transaction volume. More activity means more fees and more system-level demand.
Phase 7 is significant because it marks a later stage of distribution. This phase represents 5% of the presale allocation and places the token at $0.04. As phases progress, remaining supply tightens. Some analysts believe this is why whale allocations often appear at this point. With fewer tokens available at lower prices and clearer visibility on the roadmap, positioning becomes more attractive.
Why ETH whales are paying attention now
Ethereum whales are familiar with DeFi cycles. Many participated early in ETH and saw how usage transformed valuation. Mutuum Finance presents a similar setup at a much earlier stage. It combines a working use case, steady presale demand, and an approaching protocol launch.
MUTM also links usage to token demand. Lending activity generates fees. A portion of those fees is used to buy MUTM on the open market. MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. Some analysts believe this model can support long-term demand if activity scales.
When asking what crypto to buy now beyond large-cap names, Mutuum Finance offers a different profile. Ethereum remains a core asset, but its size limits upside. MUTM is still under $0.1, has already shown structured growth, and is moving toward live usage.
In a market where many are reassessing crypto investment strategies, ETH whales appear to be adding exposure rather than replacing it. Some analysts believe this explains why Mutuum Finance is gaining attention as one of the potential best crypto to buy for those seeking higher upside with a clear utility path.
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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