In the crypto market, whale activity has always been an early indicator of where smart money is moving next. When large buyers quietly accumulate positions in presales, they often do so after carefully analyzing utility, growth trajectory, and on-chain strength. During the last week, one such whale move caught attention, with millions flowing into Mutuum Finance (MUTM) while it is still priced under $0.04. Unlike short-term traders chasing hype, whales are known for identifying sustainable projects, and this growing activity points to a new trend forming in early-stage crypto investing. Why Mutuum Finance (MUTM) is attracting whales Mutuum Finance (MUTM) is currently in Phase 6 of its presale, trading at just $0.035. With over $14.74 million already raised, 24% of the phase’s 170 million token allocation sold, and more than 15,550 holders, the traction is undeniable. Whales are not simply buying into a presale for price speculation—they are targeting the project’s fundamentals. One of the core innovations is the decentralized $1 stablecoin designed to remain pegged through mint-and-burn mechanics, with governance managing borrowing interest rates to stabilize the market value. This approach ensures that loans remain overcollateralized while preserving ecosystem safety. Another powerful utility is mtToken staking in designated smart contracts, which allows participants to earn MUTM rewards that come directly from open-market buybacks funded by platform revenue. This mechanism encourages long-term holding while creating consistent demand pressure on the token itself. Looking at the roadmap, Mutuum Finance (MUTM) has structured a four-phase plan. The first phase of presale initiation, audit completion, marketing, and giveaways has already been accomplished. The next stages will deliver core smart contracts, platform beta testing, institutional partnerships, and eventual multi-chain expansion. Exchange listings on major platforms are also on the horizon, which will expand accessibility and liquidity for investors entering now. Security is another major reason behind whale confidence. With a CertiK audit scoring 95 on Token Scan and 78 on Skynet, Mutuum Finance (MUTM) has already placed itself in the higher tier of audited DeFi protocols. On top of this, the team has launched a $50,000 bug bounty program with severity-based payouts and a $100,000 giveaway for 10 winners, strengthening both ecosystem security and community engagement. Where Mutuum Finance (MUTM) separates itself is through its dual lending models. In the peer-to-contract (P2C) structure, liquidity is pooled, and users can lend or borrow seamlessly against blue-chip assets and stablecoins with algorithmically adjusted interest rates. On the other hand, the peer-to-peer (P2P) system allows two parties to directly set lending terms, enabling tailored agreements based on individual needs. Both approaches expand the utility of the platform and widen its adoption across retail and institutional participants. Investment momentum building ahead of next phase Whale behavior often sets the stage for retail investors to follow, and Mutuum Finance (MUTM) is showing clear signs of accumulation. Unlike speculative tokens with little real-world purpose, MUTM is backed by lending, borrowing, and reward-generating mechanics that are expected to drive demand when it lists at $0.06. The ROI potential is already evident. A retail investor who secured $5,000 worth of MUTM during Phase 2 at $0.015 is set to hold tokens that will be worth $20,000 at the $0.06 listing, marking an unrealized paper gain of over 3x before even considering future growth projections. This showcases why early positioning is key and why whales are entering now rather than waiting for post-listing prices. The broader market context also matters. With ETH and XRP showing steady performance, investors are now looking at presales with real adoption potential to outperform traditional large-cap returns. Crypto charts tracking wallet accumulation confirm that capital is flowing into presales where fundamentals and tokenomics align, and Mutuum Finance (MUTM) is emerging as a standout example. For those still considering, urgency is critical. With Phase 6 already 24% sold, the entry point at $0.035 will not last much longer. Once Phase 7 opens, the price automatically rises by 15% to $0.04, meaning this is the final window to secure MUTM below that threshold. For both retail and institutional participants, it is the type of asymmetric opportunity that whales have already started taking advantage of, signaling where the next strong wave of growth in crypto investing is forming. For more information about Mutuum Finance (MUTM), visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post A new crypto coin under $0.040 gains steam after whale buys worth millions during last week appeared first on Invezz
