Crypto Market Turns Bearish: Here’s The $0.04 New Altcoin Whales Are Piling Into

Bearish sentiment sweeps across crypto markets—yet one new altcoin at just $0.04 is quietly attracting major whale accumulation.

Whales Bet Against the Tide

While retail panic sells, deep-pocketed investors are deploying capital into a freshly launched token priced at four cents. This isn't random speculation; it's a calculated move into a project with a clear utility roadmap, bypassing the noise of meme-driven pumps.

The $0.04 Entry Point

The number isn't arbitrary. At $0.04, the token offers a low barrier for massive position building—a classic whale strategy for maximum leverage on future growth. They're not buying the hype; they're buying the infrastructure.

What the Smart Money Sees

This accumulation signals a belief in fundamentals over short-term sentiment. The altcoin's protocol addresses a verifiable gap in the market, cutting through existing inefficiencies with a novel mechanism. It's a tech play disguised as a bargain hunt.

A Contrarian Signal in a Red Market

When the herd flees, the sharks feed. This targeted whale activity at $0.04 serves as a stark contrarian indicator, highlighting a disconnect between mainstream market fear and institutional-grade conviction. Sometimes the smartest trade is buying what everyone else is too scared to touch—or too distracted by red charts to even notice.

Remember, in crypto, 'whale accumulation' often just means someone with a bigger bag is making a slightly more educated guess than the rest of us.

Mutuum Finance (MUTM) and The V1 Protocol 

Mutuum Finance (MUTM) is a decentralized lending protocol designed to help users access liquidity without selling their crypto assets. Instead of exiting positions, users can use their holdings within the protocol while keeping full control of their funds.

The project recently reached an important milestone with the release of its V1 protocol on the Sepolia testnet. This launch confirms that the platform has moved beyond concept and into a working, testable system. Users can now interact with Core features in a risk-free environment, marking a key step toward broader deployment.

The launch of the V1 presents a number of the basic features that are the basis of the protocol. It comprises liquidity pools to facilitate major assets, including ETH, USDT, WBTC and LINK, where users are able to provide as well as borrow in a structured environment. The lenders are issued with the mtTokens that are the assets they supply and that are meant to appreciate over time as they get the interest charged by the borrowers. 

The protocol also has an automated liquidator bot, designed to mitigate against exposure to undercollateralized positions, to aid risk management. Borrowers are also given debt tokens which give an open means of monitoring the principal borrowed and the accumulating interest in real-time.

MUTM Presale Details

The MUTM presale has been in demand unbelievably ever since it began in early 2025. It has so far collected more than $20.4 million and gained close to 19,000 holders. This community support that is wide demonstrates that the people believe in the long term vision of the project.

At this time, Mutuum Finance is at Phase 7 of presale. The current MUTM price is $0.04. It is a 300% mark up of the Phase 1 price of $0.01. The official launch price is set at $0.06. This implies that the current users who have joined are receiving a 50% MUTM discount prior to the mainnet release. The clock is running out on the opportunity to enter at this price.

MUTM Price Prediction

In the next two years, MUTM is bullish as analysts are expecting. According to the official whitepaper a number of growth stimulants could MOVE the price upwards. These are the planning of a native over-collateralized stablecoin and the acquisition of Layer-2 networks to reduce costs. 

According to the existing trends, several analysts believe that MUTM could reach the $0.42-$0.60 zone by the end of 2026 or the beginning of 2027 as long as the roadmap unfolds as expected. This WOULD signify an increase of 1,000 percent to 1,400 percent to people who purchased at the present price of 0.04. In contrast to other coins that hype, its growth is supported by the reality of using the lending protocol.

Security Audits

Mutuum Finance has security as its foremost priority. The protocol has already passed a deep security audit with Halborn which is one of the finest firms in the world. It also has a high CertiK 90/100 score. Another LAYER of safety is that the team has a $50,000 bug bounty, which is given out should any researchers uncover any problems in the code.

MUTM is establishing itself as a high-quality DeFi crypto leader with a working testnet and security audits. Nowadays the token is sold with a 50% discount of the launch price that is $0.06. MUTM is one of the main targets of whales who would like to construct a portfolio in a bearish market, as this discount and the high security of the protocol is of interest.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance