Major cryptocurrency investors, known as mega-whales, are reportedly reallocating capital from established assets like Solana (SOL) to early-stage projects such as Mutuum Finance (MUTM), which is currently in its seventh presale phase. The primary driver is the search for higher returns, as Solana's price is seen as consolidating between $150 and $170 with some analysts projecting only 28% growth in 2026, which is insufficient for these large-scale investors.
Mutuum Finance, a decentralized peer-to-peer lending protocol built on Ethereum, is attracting attention for its presale structure and underlying utility. The project has raised over $19.8 million and boasts more than 18,800 holders. MUTM is currently priced at $0.04 in Phase 7, with the price scheduled to increase to $0.045 in Phase 8. This staged pricing offers an immediate return on investment (ROI) for early entrants; a $5,000 investment in Phase 7 would be worth $6,000 when Phase 8 begins. The projected launch price is $0.06, which represents a 500% gain from the initial Phase 1 price of $0.01.
The core value proposition of Mutuum Finance is its dual-market lending system. It features a peer-to-collateral market where depositors earn yield and mtTokens (e.g., by depositing ETH), and a peer-to-peer borrowing market where users can take loans against their collateral without selling long-term holdings. The protocol also implements a buyback and redistribution mechanism, using a portion of platform fees to purchase and distribute MUTM tokens to stakers, rewarding loyalty.
Security has been a focus in the project's development. Mutuum Finance has undergone a full code audit by Halborn Security and received a token scan score of 90/100 from CertiK. A $50,000 bug bounty program is also in place ahead of the planned mainnet activation in 2026. The project's roadmap indicates a testnet deployment for its V1 protocol is imminent.
With Phase 7 selling out quickly and features like a daily $500 MUTM reward for the top buyer and card payment support for onboarding non-crypto users, investor urgency is high. Whales are positioning MUTM as a high-potential alternative, with some anticipating gains of 10x or more, deeming it a top crypto asset under $1 for early-stage growth in 2026.
