Smart Money Alert: The Top Crypto Picks Replacing Avalanche (AVAX) in 2025

Wall Street's crypto whales are ditching Avalanche—here's where they're parking their bags now.

Forget 'slow and steady.' The big players are flipping AVAX for these high-octane altcoins—and the charts don't lie.

Three Contenders Dominating Smart Portfolios

1. Ethereum killers with actual working products (shocking, we know)

2. AI tokens that haven't yet faceplanted post-hype

3. Privacy coins suddenly getting love from VCs who swore they'd never touch them

The irony? Half these funds were shilling AVAX six months ago. But that's crypto—narrative shifts faster than a DeFi exploit.

Bottom line: When the suits rotate, retail gets left holding the bag. As always.

Mutuum Finance (MUTM): The Lending Protocol That Will Deliver Income

Mutuum Finance (MUTM) will be a decentralized protocol that allows users to lend and borrow a wide range of assets through two distinct models—Peer-to-Contract (P2C) and Peer-to-Peer (P2P). The P2C model will allow users to deposit stablecoins like USDC and USDT, or major cryptocurrencies such as Ethereum (ETH), Bitcoin (BTC), Solana (SOL), Binance Coin (BNB), and Avalanche (AVAX), into a shared liquidity pool. Interest rates will adjust automatically based on the utilization of each pool, ensuring that lenders earn yield based on real borrower activity.

In exchange for their deposits, lenders will receive mtTokens—tokenized receipts that represent both their deposit and its growing interest. These mtTokens will allow users to maintain exposure to their assets while accumulating passive income, creating a system that rewards users for participation. Because the interest rates will react to actual pool demand, users will see higher returns when lending activity increases and can still benefit from stable yields during slower periods.

The P2P model will bring even more flexibility by enabling users to lend directly to other participants under terms they set themselves. Lenders will be able to earn higher returns by customizing agreements and supporting assets that traditional platforms often exclude—such as Pepe (PEPE), Dogecoin (DOGE), and shiba inu (SHIB). This model will open up lending for underutilized tokens, expanding income options for users who are willing to engage directly with borrower requests.

The protocol is also developing a decentralized stablecoin that will maintain a $1 peg. It will only be minted when users borrow against collateral, and it will be burned when the loan is repaid or liquidated. Only approved issuers will be able to mint this stablecoin under controlled allocation limits. To keep its value stable, Mutuum Finance (MUTM) will rely on governance-controlled interest rates, overcollateralized positions, and on-chain arbitrage. This system will work to maintain price integrity while expanding borrowing options within the ecosystem.

All assets will be held in non-custodial smart contracts, meaning users will retain full control of their deposits. There will be no strict minimum or maximum deposit limits, although practical considerations such as gas fees and asset-specific caps will be taken into account. The project will also incorporate Layer-2 technology to allow for faster, lower-cost transactions—giving it a clear advantage over networks that still rely on higher-fee Layer-1 infrastructure.

Why MUTM Token Investors Will Be Positioned for High Returns

Mutuum Finance (MUTM) is currently in Phase 5 of its presale, with the token priced at $0.03. The total supply is at 4,000,000,000 MUTM. According to the roadmap, the team is planning to launch a beta version of the platform around the time the token goes live. This timing will ensure that early investors will gain access to a functional ecosystem as the token enters the open market.

Smart investors who enter now will secure their position before the planned listing price of $0.06, doubling their exposure before any market-driven appreciation begins. For instance, an investor who allocates $2,000 at the current price of $0.03 will receive 66,666 MUTM tokens. When the token climbs to $0.90, that investment will become worth $60,000—delivering a clean 30x return. These numbers are based strictly on price movement and fixed supply and reflect the long-term upside available to early supporters.

The protocol has already undergone a detailed CertiK audit using both static analysis and manual review. The Token Scan Score was 80.00, and the CertiK Skynet Score reached 72.38. The audit was initially requested on February 25, 2025, and revised on May 20, 2025. This level of scrutiny will help reinforce user confidence, especially among institutional investors and advanced retail users seeking verifiable security.

Mutuum Finance (MUTM) will also launch a buyback and distribution mechanism that uses protocol revenue to purchase MUTM tokens from the market and redistribute them to users who stake their mtTokens in the designated contracts. These buybacks will ensure holders are continuously rewarded as the platform grows. This passive dividend system will complement interest-earning mechanisms and provide multiple layers of return for active participants.

To further drive early adoption, the team has initiated a $100K giveaway campaign. Ten winners will receive $10,000 worth of MUTM tokens each, offering an extra incentive for early contributors who are positioning themselves ahead of the beta launch and exchange listings. With over 10,000 Twitter followers and a steadily expanding community, Mutuum Finance (MUTM) is building the type of ecosystem smart capital prefers—one with infrastructure, security, and scalable utility.

Finally, the DeFi market is growing quickly, and investors are no longer satisfied with tokens that lack utility or real yield potential. Avalanche (AVAX), while still a well-regarded Layer-1 network, is not attracting the same level of smart investor interest it once did. This shift in attention is leading more large wallet holders and early-stage crypto strategists toward Mutuum Finance (MUTM), where they see a clearly defined earning structure backed by strong protocol mechanics.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance