The meme coin community is buzzing as cross-chain adoption continues to make it easier for tokens like SHIB to move across ecosystems. Yet while SHIB holders celebrate these technical advances, crypto whales are showing a different kind of enthusiasm: accumulation. And this time, their focus isn’t on meme coins—it’s on Mutuum Finance (MUTM), a presale project still priced under $0.04.

Whales signal the next big trend

Whale wallets often set the pace of the market. When large holders quietly build positions during early stages, it sends a strong signal that they expect long-term growth. This pattern has been seen repeatedly before major rallies, where whales identify sustainable fundamentals before the broader retail crowd notices. Their recent accumulation of Mutuum Finance (MUTM) is telling.

The project stands out because it will offer both peer-to-contract (P2C) lending with stablecoins and bluechip cryptos, and peer-to-peer (P2P) lending using tokens like SHIB, DOGE, FLOKI, PEPE, and even TRUMP. For SHIB holders in particular, this creates an opportunity to earn interest without liquidating their positions. Instead of selling into market dips triggered by events like a crypto crash, they will be able to lock in their tokens, borrow liquidity, and stay exposed to long-term upside.

Such utility explains why whale investors are shifting part of their portfolios into MUTM. Unlike hype-driven trades, this represents a calculated hedge against volatility while betting on the expansion of DeFi lending that includes both stable assets and community-driven tokens.

Presale momentum creates urgency

The presale of Mutuum Finance (MUTM) is already generating strong momentum. Phase 6 is now live at a price of $0.035, with over $15 million raised and 25% of the supply already sold. More than 15,700 holders are participating, showing that retail investors are beginning to notice what whales identified early.

This urgency is magnified by the upcoming Phase 7, where the price will rise to $0.040. That marks a 15% increase from today’s entry, giving immediate upside to those who act during Phase 6. Phase 1 buyers who secured tokens at $0.01 are already sitting on a 250% gain, proving that presale participation has already been rewarding. Even Phase 6 participants will lock in a strong position before the token reaches its $0.06 listing price on exchanges.

Trust in the project is further reinforced by the CertiK audit, which delivered a Token Scan score of 95 and a Skynet score of 78. Alongside this, Mutuum Finance (MUTM) has introduced a $50,000 USDT bug bounty program, with tiered rewards based on issue severity. This multi-layered approach of manual reviews, automated scanning, and community incentives gives investors added confidence that the platform is being developed with security at its core.

Adding even more attraction is a $100,000 giveaway campaign, which will reward 10 winners with $10,000 worth of MUTM each. Such promotions are designed to bring broader attention to the presale, but the fundamentals remain the strongest draw.

Take the example of a SHIB holder who allocated $1,000 in Phase 1 at $0.01. Their stake now represents $3,500 at current Phase 6 valuation. On the other hand, a new participant entering during Phase 6 with $1,000 at $0.035 will still be positioned to see their tokens worth unrealized $1,700 at the $0.06 listing, securing significant upside from day one of exchange trading. These gains are transparent, measurable, and based solely on the presale mechanics and announced listing price.

Why whales prefer MUTM over short-term hype

While retail sentiment often swings with daily headlines like why crypto is down today, whales tend to look further ahead. They pay less attention to market noise surrounding crypto ETF approvals or short-lived rallies and instead position themselves in projects with sustainable revenue models. Mutuum Finance (MUTM) fits this strategy with its ecosystem that blends lending, mtToken staking with MUTM rewards, and a roadmap that includes multi-chain expansion.

For whales, this means not just speculative upside, but long-term yield opportunities. For retail investors, it presents a chance to align with the same smart money that has historically outperformed by entering before mainstream attention floods in.

The bottom line is clear: SHIB holders may be celebrating cross-chain ease, but whales are already setting their sights on what they believe will define the next wave of growth. With Phase 6 running quickly and a price jump to $0.040 ahead, everyday investors still have the chance to join whales in accumulating Mutuum Finance (MUTM) before it leaves the sub-$0.04 range behind.

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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