ExchangeDEX+
Buy CryptoMarketsSpotFuturesGOLDEarnEvent Center
More
Commodity Zero-Fee Gala
The post Why Large Wallets Are Buying Mutuum Finance (MUTM) Instead of High-Cap Altcoins appeared on BitcoinEthereumNews.com. As market conditions remain uncertainThe post Why Large Wallets Are Buying Mutuum Finance (MUTM) Instead of High-Cap Altcoins appeared on BitcoinEthereumNews.com. As market conditions remain uncertain

Why Large Wallets Are Buying Mutuum Finance (MUTM) Instead of High-Cap Altcoins

Author: BitcoinEthereumNews
Source: BitcoinEthereumNews
2026/02/07 21:55
5 min read
CAP
CAP$0.11146-0.30%
1
1$0.0005012-11.24%
NOW
NOW$0.0039-10.35%

As market conditions remain uncertain, large investors are becoming increasingly selective and are turning their attention to early-stage projects with clear utility and long-term upside rather than established, slower-moving assets. This shift has been especially noticeable in Mutuum Finance (MUTM), where growing large-wallet activity suggests that whales are positioning early in a presale project that already shows real development progress. 

With a working product, a clear adoption path, and a still-undervalued entry point, Mutuum Finance is quickly emerging as one of the new crypto coins drawing attention from investors searching for the best crypto to buy now ahead of the next market cycle.

Presale Momentum and Whale Inflows

Mutuum Finance is currently in its presale phase, and recent on-chain activity has highlighted growing whale interest. One notable transaction saw a single wallet contribute over $118,000 in a single presale purchase, signaling strong conviction from large investors. This inflow came during a period when many high-cap altcoins were trending sideways or declining, reinforcing the idea that smart money is rotating into early-stage opportunities.

Overall, the presale has now raised over $20.43 million, with participation from more than 18,950 holders. For many analysts tracking crypto investment trends, this combination of whale inflows and steady retail participation suggests growing confidence in Mutuum Finance as a long-term DeFi play.

Presale Progression and Why the Current Phase Matters

Mutuum Finance is in Phase 7 of its presale, with the MUTM token priced at $0.04. The presale has followed a structured pricing model, starting at $0.01 in Phase 1 and increasing gradually as development milestones were achieved. At the current price, MUTM is already up 300% from its initial presale level, yet it remains below the confirmed $0.06 launch price, representing a built-in discount for early participants.

Nearly half of the 1.82 billion tokens allocated for the presale have already been sold, with over 840 million tokens now out of circulation. As supply continues to tighten, analysts view the current phase as one of the final opportunities to secure MUTM at a lower valuation. For investors asking what crypto to buy now, the combination of a discounted price and shrinking supply is a key reason whales are stepping in early.

What Is Mutuum Finance?

Mutuum Finance is a decentralized lending and borrowing protocol designed to let users put idle capital to work or access liquidity without selling their assets. The platform operates across two main models: peer-to-contract (P2C) and peer-to-peer (P2P).

In the P2C model, users can supply assets like USDT into liquidity pools and earn yield based on borrowing demand. For example, an investor supplying $10,000 in USDT could earn competitive APY, with returns potentially reaching up to $1,000 per year in passive income, depending on utilization rates. On top of interest, lenders can also earn dividends in MUTM tokens, distributed through the protocol’s buy-and-distribute mechanism. These dividends are received by staking mtTokens, which represent deposit positions and automatically accrue value over time.

The P2P model expands flexibility by allowing users to lend or borrow directly against higher-risk assets, including popular memecoins such as SHIB, DOGE, or PEPE. This setup gives borrowers access to liquidity using speculative assets, while lenders can negotiate higher yields to match the added risk. This dual-model approach is one reason analysts consider Mutuum Finance a standout DeFi crypto.

V1 Protocol Is Already Live

Another major factor driving whale confidence is that Mutuum Finance has already launched its V1 protocol on the Sepolia testnet. Investors can currently test the core features in a live but risk-free environment, which is rare for presale projects. Users can supply assets, mint mtTokens, borrow against collateral through debt tokens, and observe how interest accrues in real time. The protocol also includes automated liquidation mechanisms and health factor monitoring to manage risk and protect lenders.

Having a working protocol before launch significantly reduces execution risk. For many large wallets, this level of progress is a key signal when deciding which crypto to invest in, as it separates projects with real foundations from those still operating on promises alone.

Leaderboard Rewards and Giveaway Incentives

To make participation easier, Mutuum Finance currently allows investors to buy MUTM tokens directly using debit or credit cards, lowering the barrier to entry for newcomers. The project also runs a 24-hour leaderboard, where the top contributor who holds first place for a full 24-hour period receives $500 worth of MUTM tokens as a reward.

In addition, Mutuum Finance is hosting a $100,000 giveaway, where participants can enter by investing at least $50 in the presale and completing additional tasks listed on the project’s website. These incentives are designed to encourage community engagement while rewarding early supporters during the presale phase.

As whales continue to rotate away from saturated high-cap altcoins, Mutuum Finance is increasingly standing out as a crypto to buy now for investors focused on early-stage growth. With large-wallet inflows, a live protocol, steady presale progression, and a discounted entry price of $0.04 compared to the $0.06 launch price, the project is attracting attention from both short-term and long-term investors.

For now, MUTM remains available at its lowest price before launch. With whales already accumulating and presale supply steadily shrinking, the current phase may represent one of the final opportunities to enter early before market pricing takes over.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Why Large Wallets Are Buying Mutuum Finance (MUTM) Instead of High-Cap Altcoins appeared first on Blockonomi.

Source: https://blockonomi.com/why-large-wallets-are-buying-mutuum-finance-mutm-instead-of-high-cap-altcoins/

Disclaimer: The articles reposted on this site are sourced from public platforms and are provided for informational purposes only. They do not necessarily reflect the views of MEXC. All rights remain with the original authors. If you believe any content infringes on third-party rights, please contact service@support.mexc.com for removal. MEXC makes no guarantees regarding the accuracy, completeness, or timeliness of the content and is not responsible for any actions taken based on the information provided. The content does not constitute financial, legal, or other professional advice, nor should it be considered a recommendation or endorsement by MEXC.
Tags:
#DeFi#On-chain#Meme#Whale#Liquidation

You May Also Like

HitPaw API is Integrated by Comfy for Professional Image and Video Enhancement to Global Creators

HitPaw API is Integrated by Comfy for Professional Image and Video Enhancement to Global Creators

SAN FRANCISCO, Feb. 7, 2026 /PRNewswire/ — HitPaw, a leader in AI-powered visual enhancement solutions, announced Comfy, a global content creation platform, is
Share
AI Journal2026/02/08 09:15
Journalist gives brutal review of Melania movie: 'Not a single person in the theater'

Journalist gives brutal review of Melania movie: 'Not a single person in the theater'

A Journalist gave a brutal review of the new Melania documentary, which has been criticized by those who say it won't make back the huge fees spent to make it,
Share
Rawstory2026/02/08 09:08
Facts Vs. Hype: Analyst Examines XRP Supply Shock Theory

Facts Vs. Hype: Analyst Examines XRP Supply Shock Theory

Prominent analyst Cheeky Crypto (203,000 followers on YouTube) set out to verify a fast-spreading claim that XRP’s circulating supply could “vanish overnight,” and his conclusion is more nuanced than the headline suggests: nothing in the ledger disappears, but the amount of XRP that is truly liquid could be far smaller than most dashboards imply—small enough, in his view, to set the stage for an abrupt liquidity squeeze if demand spikes. XRP Supply Shock? The video opens with the host acknowledging his own skepticism—“I woke up to a rumor that XRP supply could vanish overnight. Sounds crazy, right?”—before committing to test the thesis rather than dismiss it. He frames the exercise as an attempt to reconcile a long-standing critique (“XRP’s supply is too large for high prices”) with a rival view taking hold among prominent community voices: that much of the supply counted as “circulating” is effectively unavailable to trade. His first step is a straightforward data check. Pulling public figures, he finds CoinMarketCap showing roughly 59.6 billion XRP as circulating, while XRPScan reports about 64.7 billion. The divergence prompts what becomes the video’s key methodological point: different sources count “circulating” differently. Related Reading: Analyst Sounds Major XRP Warning: Last Chance To Get In As Accumulation Balloons As he explains it, the higher on-ledger number likely includes balances that aggregators exclude or treat as restricted, most notably Ripple’s programmatic escrow. He highlights that Ripple still “holds a chunk of XRP in escrow, about 35.3 billion XRP locked up across multiple wallets, with a nominal schedule of up to 1 billion released per month and unused portions commonly re-escrowed. Those coins exist and are accounted for on-ledger, but “they aren’t actually sitting on exchanges” and are not immediately available to buyers. In his words, “for all intents and purposes, that escrow stash is effectively off of the market.” From there, the analysis moves from headline “circulating supply” to the subtler concept of effective float. Beyond escrow, he argues that large strategic holders—banks, fintechs, or other whales—may sit on material balances without supplying order books. When you strip out escrow and these non-selling stashes, he says, “the effective circulating supply… is actually way smaller than the 59 or even 64 billion figure.” He cites community estimates in the “20 or 30 billion” range for what might be truly liquid at any given moment, while emphasizing that nobody has a precise number. That effective-float framing underpins the crux of his thesis: a potential supply shock if demand accelerates faster than fresh sell-side supply appears. “Price is a dance between supply and demand,” he says; if institutional or sovereign-scale users suddenly need XRP and “the market finds that there isn’t enough XRP readily available,” order books could thin out and prices could “shoot on up, sometimes violently.” His phrase “circulating supply could collapse overnight” is presented not as a claim that tokens are destroyed or removed from the ledger, but as a market-structure scenario in which available inventory to sell dries up quickly because holders won’t part with it. How Could The XRP Supply Shock Happen? On the demand side, he anchors the hypothetical to tokenization. He points to the “very early stages of something huge in finance”—on-chain tokenization of debt, stablecoins, CBDCs and even gold—and argues the XRP Ledger aims to be “the settlement layer” for those assets.He references Ripple CTO David Schwartz’s earlier comments about an XRPL pivot toward tokenized assets and notes that an institutional research shop (Bitwise) has framed XRP as a way to play the tokenization theme. In his construction, if “trillions of dollars in value” begin settling across XRPL rails, working inventories of XRP for bridging, liquidity and settlement could rise sharply, tightening effective float. Related Reading: XRP Bearish Signal: Whales Offload $486 Million In Asset To illustrate, he offers two analogies. First, the “concert tickets” model: you think there are 100,000 tickets (100B supply), but 50,000 are held by the promoter (escrow) and 30,000 by corporate buyers (whales), leaving only 20,000 for the public; if a million people want in, prices explode. Second, a comparison to Bitcoin’s halving: while XRP has no programmatic halving, he proposes that a sudden adoption wave could function like a de facto halving of available supply—“XRP’s version of a halving could actually be the adoption event.” He also updates the narrative context that long dogged XRP. Once derided for “too much supply,” he argues the script has “totally flipped.” He cites the current cycle’s optics—“XRP is sitting above $3 with a market cap north of around $180 billion”—as evidence that raw supply counts did not cap price as tightly as critics claimed, and as a backdrop for why a scarcity narrative is gaining traction. Still, he declines to publish targets or timelines, repeatedly stressing uncertainty and risk. “I’m not a financial adviser… cryptocurrencies are highly volatile,” he reminds viewers, adding that tokenization could take off “on some other platform,” unfold more slowly than enthusiasts expect, or fail to get to “sudden shock” scale. The verdict he offers is deliberately bound. The theory that “XRP supply could vanish overnight” is imprecise on its face; the ledger will not erase coins. But after examining dashboard methodologies, escrow mechanics and the behavior of large holders, he concludes that the effective float could be meaningfully smaller than headline supply figures, and that a fast-developing tokenization use case could, under the right conditions, stress that float. “Overnight is a dramatic way to put it,” he concedes. “The change could actually be very sudden when it comes.” At press time, XRP traded at $3.0198. Featured image created with DALL.E, chart from TradingView.com
Share
NewsBTC2025/09/18 11:00