Whales Are Rushing to Buy This New Crypto Token at $0.035 Before It Hits $0.06, Analysts Say

• What Is Mutuum Finance (MUTM)?
• Why Is the Presale Gaining Momentum?
• How Does Mutuum’s V1 Launch and Audit Build Trust?
• What’s Next for Mutuum? Stablecoins and Layer 2 Plans
• Why Are Whales Flocking to MUTM?
• FAQs About Mutuum Finance (MUTM)

The crypto market is buzzing as Mutuum Finance (MUTM), a promising DeFi project, gains traction among big investors. Priced at just $0.035 during its presale, analysts predict it could surge to $0.06 upon launch. With a unique blend of peer-to-community (P2C) and peer-to-peer (P2P) lending, robust security audits, and plans for a stablecoin and Layer 2 expansion, MUTM is shaping up to be one of the hottest crypto investments of 2025. Here’s why whales are piling in—and why you might want to pay attention.

What Is Mutuum Finance (MUTM)?

Mutuum Finance is an Ethereum-based DeFi protocol designed to simplify, secure, and democratize lending. Its system revolves around smart contracts that automate deposits, loans, and risk management. Users can contribute assets to a shared liquidity pool and earn mtTokens, which represent their stake and appreciate with generated interest. For example, depositing $1,000 in ETH at a 6% annual yield increases the holder’s mtTokens over time while retaining full asset ownership.

The platform also supports P2P lending, directly connecting lenders and borrowers. Loan terms depend on demand and risk, with the loan-to-value (LTV) ratio determining borrowing capacity. Higher LTV means greater borrowing power but also higher liquidation risk. If collateral values drop significantly, the system triggers liquidations to protect lenders. This hybrid P2C/P2P model offers flexibility rare in emerging crypto projects.

Why Is the Presale Gaining Momentum?

Mutuum’s presale has become a standout event in late 2025, raising $18.8 million, attracting 18,000 holders, and selling 800 million tokens to date. Launched in early 2025 at $0.01, the token now trades at $0.035—a 250% increase from Phase 1. The presale covers 45.5% of the total 4 billion token supply (1.82 billion tokens), with Phase 6 already 88% allocated.

To boost engagement, Mutuum runs a daily leaderboard: the top presale contributor wins $500 in MUTM. This gamification has fueled community growth, and with the launch price set at $0.06, early buyers at $0.035 stand to gain significantly. As one BTCC analyst noted, "This is a simple math play—whales are capitalizing before Phase 6 closes."

How Does Mutuum’s V1 Launch and Audit Build Trust?

Mutuum confirmed on X that its V1 testnet will go live on Sepolia in Q4 2025. The release includes Core protocol tools: the main liquidity pool, mtTokens, debt tokens, and a liquidation bot—proving the team delivers tangible products, not just ideas. Security is another highlight: CertiK audited the platform, awarding a 90/100 score on Token Scan. Mutuum also offers a $50,000 bounty for code vulnerabilities, reassuring risk-averse investors.

Analysts speculate the protocol’s launch could trigger major growth, citing the active presale, real-world utility in lending markets, and potential buy pressure from increased adoption. Some predict MUTM could multiply its $0.06 launch price several times over.

What’s Next for Mutuum? Stablecoins and Layer 2 Plans

Mutuum is developing a USD-pegged stablecoin tied to its interest-rate system, adding stability for borrowers and lenders. A LAYER 2 expansion is also in the works to reduce costs, improve performance, and broaden accessibility. These moves signal long-term ambition beyond short-term hype. As a BTCC report puts it, "MUTM checks all the boxes: real use cases, active community, top-tier security, and a clear roadmap."

Why Are Whales Flocking to MUTM?

The rush is easy to understand: Phase 6 is 88% sold out, the launch price is fixed at $0.06, and demand is outpacing supply. With limited tokens left, this window is closing fast. As one investor quipped, "It’s like catching a train—you either hop on now or watch it leave the station."

For more details, visit Mutuum’s official website:or their Linktree:.