Ethereum (ETH) continues to dominate headlines after a single wallet recently absorbed $114 million worth of ETH, but beneath the surface, a quiet rotation is unfolding. Large investors are not just stacking top-tier assets — they’re now spreading risk and capital into low-cap DeFi projects with real utility. One of the most discussed names right now is Mutuum Finance (MUTM) — a lending protocol still in its presale phase, currently trading at just $0.035. While Ethereum (ETH) commands attention, the under-the-radar momentum behind MUTM is drawing interest from whales looking for the next 10x opportunity.

This shift isn’t speculative noise. It’s driven by structural features inside Mutuum Finance (MUTM) that make it more than just another lending platform. From demand-pull mechanics and passive income incentives to smart contract-powered staking and overcollateralized lending models, this is where decentralized finance seems to be heading next.

Ethereum (ETH) wallet snaps up $114M

A crypto wallet, likely tied to DeFiance Capital (address 0xF436), accumulated 30,366 ETH worth $114 million in just 28 hours, as reported by Lookonchain. This massive buy, executed at an average price of ~$3,755, coincides with strong Ethereum (ETH) ETF inflows, which hit $533.8 million recently, led by BlackRock’s ETHA. Despite a seller-dominated spot market, with 30-day Spot Cumulative Volume Delta showing sell order dominance, institutional confidence remains high. 

The whale’s strategic move, alongside trader TheWhiteWhaleHL’s $181 million long position, suggests optimism for ETH’s mid-term outlook. Technical indicators show ETH consolidating between $3,700 and $4,000, with RSI at 54 signaling neutral momentum. If futures volume continues to rise, ETH could break $4,100 resistance, targeting $4,500. However, retail caution and potential liquidations pose short-term risks.

Mutuum Finance (MUTM): mtTokens are reshaping DeFi earnings

What makes Mutuum Finance (MUTM) stand out is its core token architecture built around mtTokens. When users deposit stablecoins or major assets like BTC, ETH, or AVAX into Mutuum’s Pooled-to-Contract (P2C) lending model, they instantly receive 1:1 mtTokens in return. These aren’t just placeholder tokens — they automatically accumulate interest based on pool utilization. That means no complex settings or lockups. Your tokens start growing as soon as they hit the protocol.

And there’s more. Users will be able to stake their mtTokens in the designated smart contracts to earn MUTM rewards, which the protocol will continuously buy back MUTM from the open market using real platform-generated revenue. It’s a tightly aligned model: the more activity the protocol sees, the more value flows back to token holders.

P2C lending also enables fixed-rate earnings for lenders — current rates projected at around 9.5% APY for ETH and over 10% for stablecoins like USDT. On the borrower side, users can access instant, overcollateralized loans. For example, a user adding $2,000 in ETH can borrow $1,200 in USDC at a 60% loan-to-value (LTV) ratio — all without needing to liquidate their underlying assets. Repayment remains flexible, and interest dynamically adjusts based on utilization, ensuring the pools stay liquid.

For those willing to take on more risk, the Peer-to-Peer (P2P) model will offer direct lending between users with individually negotiated terms. It opens new doors for users with less liquid assets and helps maintain yield diversity across the protocol.

Presale phase 6 signals growing whale interest

Mutuum Finance (MUTM) is still in its presale, but not for long. Phase 6 has just launched at a price of $0.035 — with over 7% of the 170 million allocated tokens already sold. Over $13.8 million has been raised, and more than 14,700 investors have joined the community. In just a few days, the price will increase to $0.040 in Phase 7, a 15% jump for those who wait too long.

Those who entered during Phase 1 at $0.01 are already sitting on 250% growth — and that’s before the token hits its listing price of $0.06. For investors entering now in Phase 6, the upside to listing price alone is 70%, with long-term targets already being discussed in the $6 range as user adoption and ecosystem expansion pick up pace.

It’s also important to note that Mutuum Finance (MUTM) is not cutting corners on security. The project has launched a $50,000 bug bounty program in collaboration with CertiK, a leading blockchain security firm. The token contract scored a 95 on Token Scan and 78 on Skynet, indicating a robust security posture ahead of launch. This adds confidence for serious capital entering early, especially from institutional wallets.

And to boost visibility, a $100,000 giveaway is underway — 10 winners will each receive $10,000 worth of MUTM tokens. This promotional push has already helped drive the project’s Twitter following past 12,000 users.

Conclusion

What’s more, Mutuum Finance (MUTM) plans to integrate a decentralized, revenue-backed stablecoin and roll out its beta platform on a Layer-2 network to reduce fees and scale performance. These moves will help the protocol attract both small retail investors and large-scale crypto lenders looking for fast, gas-efficient DeFi interaction.

At this point, it’s not about comparing Mutuum Finance (MUTM) to Ethereum (ETH). It’s about understanding that early capital is rotating to where future yield, flexibility, and composability are being built from the ground up. As blue-chip assets begin to plateau and ADA retraces even further, MUTM presents a compelling entry point — especially for those looking to accumulate before the token leaves the presale phase entirely.

The $6 target might sound ambitious now, but given the pace of development, tokenomics, expected listing on top-notch exchanges like Binance, Coinbase, MEXC, KuCoin and DeFi-first infrastructure Mutuum Finance (MUTM) is building, it’s clear why whale wallets are beginning to pay attention.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

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