Smart investors always act early, not loud. In the case of Mutuum Finance (MUTM), large wallets have already started accumulating over $500,000 in tokens quietly while most retail investors remain on the sidelines. This early action is a reliable indicator—whales don’t chase trends, they position before the breakout. The move signals confidence in the token’s future. With Phase 6 of the presale approaching, the price will rise from $0.03 to $0.035, a 16.7% increase. Those waiting risk missing the early-buyer advantage that whales are securing now.

This is a repeat of MATIC and SOL’s early days

This accumulation pattern mirrors what happened with early giants like Polygon (MATIC) and Solana (SOL). Before their explosive runs, smart money was already invested. Back then, most of the market ignored these “quiet” moves. Once retail caught on, prices had already skyrocketed. The same is unfolding with Mutuum Finance (MUTM). The signs are there: solid tokenomics, real utility, strong community growth, and a presale model that rewards early adoption. But once the presale ends and the token lists, the opportunity window narrows.

Presale ROI already up 200%—Don’t miss the final phase

Those who entered Phase 1 at $0.01 have already seen a 200% return. The current phase, Phase 5, is priced at $0.03. When the token hits Phase 6, the cost increases to $0.035. This reduces your margin of profit significantly if you wait any longer. Investors who acted fast have already outperformed typical market returns—without even waiting for a public listing. That’s what early-phase access is all about. Every new presale phase makes the price steeper and the ROI smaller. Right now is the last optimal moment.

Mutuum Finance (MUTM) is more than just a token—it’s a protocol that allows lending and borrowing across multiple assets, including stablecoins. If you deposit $10,000 worth of DAI, for example, into the liquidity pool, you will earn passive income. With high pool utilization, your earnings can reach 10% annually, equating to $1,000 per year in passive returns just by providing liquidity. This is not a speculative promise—returns are generated in real time based on borrower demand and usage.

How the MUTM token works for holders

Holding MUTM gives you access to real DeFi utility. When you deposit assets into the protocol, you receive mtTokens, which automatically accumulate interest. You can also stake these mtTokens in the safety module to earn extra MUTM through revenue-based buybacks. The protocol uses part of its income to buy MUTM on the market and distribute it to long-term participants, rewarding those who commit capital and contribute to the ecosystem’s growth. That’s not just value holding—it’s value compounding.

Mutuum Finance (MUTM) has now crossed around 11,650 holders, showing strong organic growth. The presale has already raised around $9.45 million, indicating robust interest before the token even goes public. This early traction is not hype-driven—it’s driven by actual product design and utility. 

Beta platform launching besides token listing

According to the roadmap, Mutuum Finance (MUTM) plans to launch a beta version of its platform when the token goes live. That gives early users a head start on platform utility, setting the stage for real usage on day one. This kind of delivery—real functionality, market listing—is exactly why institutional-sized wallets are entering now. They recognize substance and reward teams who build, not just market.

Security is non-negotiable in DeFi, and Mutuum Finance (MUTM) has already passed a CertiK audit. With a Token Scan Score of 70.00, the project completed both static and manual code analysis. The audit began in February and was updated in May 2025, ensuring that all recent changes were vetted. This level of transparency and technical diligence encourages large capital inflows, especially from institutions and whales who don’t gamble—they evaluate, then act.

$100K giveaway boosts community and awareness

To amplify awareness before the token goes public, the team is also running a $100,000 giveaway campaign. This marketing push is helping Mutuum Finance (MUTM) grow faster than most other presales in the space. A growing user base, higher visibility, and more liquidity all benefit early holders. Community incentives like these help ensure a strong post-listing performance by seeding the ecosystem with enthusiastic and committed users from the outset.

With a fixed total supply of 4 billion tokens, each presale phase sells a limited portion at a set price. At $0.03, Phase 5 is your final low-cost entry before the price increases again in Phase 6. This moment is not just another round. It’s the end of the early-entry phase. Those who acted in Phase 1 already locked in the best gains. Whales are now finishing their final allocations. Retail buyers still hesitating may find themselves priced out—or forced to buy from the open market after the launch.

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

Website: https://www.mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

DISCLAIMER – “Views Expressed Disclaimer: This article is not financial advice. Cryptocurrencies are volatile and unpredictable. Due diligence and caution are paramount. Views and opinions expressed are those of the authors and do not reflect the official position of any other author, agency, organization, employer or company, including NEO CYMED PUBLISHING LIMITED, which is the publishing company performing under the name Cyprus-Mail…more