Crypto Whales Are Accumulating This $0.035 DeFi Token as Phase 6 Nears 100% – Here’s Why

Deep-pocketed investors are quietly shifting capital into a low-cost DeFi asset, signaling a potential breakout as its development roadmap hits a critical milestone.

The Whale Watch Is On

Blockchain analytics reveal a sustained accumulation pattern from wallets holding significant capital. This isn't retail FOMO—it's calculated positioning by entities that typically move markets. Their target? A decentralized finance token trading at a mere $0.035.

Phase 6: The Finish Line in Sight

The catalyst for the activity is a key development phase approaching 100% completion. In crypto, few events trigger action like a project delivering on its technical roadmap—especially one that promises to enhance protocol functionality or token utility. It's a classic setup: prove the build, then attract the buy.

Why This Token? Why Now?

The token's low unit price offers a high-potential entry, a siren song for speculators hunting the next '100x'. More substantively, the nearing completion of Phase 6 suggests imminent new features or integrations, potentially increasing on-chain demand. Whales aren't gambling; they're positioning ahead of a likely liquidity surge.

A Calculated Bet on DeFi's Future

This accumulation underscores a broader thesis: that value in the next cycle will flow towards functional DeFi protocols, not just memes. It's a bet on utility over hype—or at least on hype *about* utility. After all, in modern finance, the narrative often gets priced in long before the product actually ships.

The move sets the stage for a volatile few weeks. If the phase completes and delivers, the token could see explosive growth. If it disappoints? Well, the whales have deeper pockets to absorb the loss than the average investor chasing their coattails.

Mutuum Finance (MUTM) Current State

Mutuum Finance (MUTM) is selling at the present value of $0.035 in presale. The project is at Phase 6 of the allocation cycle and the stage is currently being allocated with more than 99%. The official launching price is $0.06, which is significantly lower than future reference price.

MUTM has left its early presale launch position of $0.01 and is currently being sold at $0.035 since then, when the project was publicly distributed in early 2025. That represents a 250% growth to date. 

Simultaneously, the project has collected approximately $19.4M USD and increased the number of its investors up to over 18,600 holders. These numbers indicate stable involvement as opposed to dramatic attention which is usually an indication of positioning over a longer period of time.

What is Mutuum Finance (MUTM) Building

Mutuum Finance is finding a way of developing a dual lending protocol achieved by borrowing and lending in a structured mechanism. Users are allowed to deposit assets in lending pools and get stakes in the FORM of mtTokens. These mtTokens are considered to be the ownership of the provided liquidity and their value increases as the interest is paid by the borrowers.

Another model applied in the protocol is the buy and distribute model. Part of the protocol revenue is invested in the purchase of MUTM tokens in the market and allocating it to the owners of the mtTokens. This establishes a direct correlation between the use of protocols and the demand of tokens, and it is highly viewed by many analysts as more sustainable as compared to the speculative demand only.

The design also involves security. Mutuum Finance has undergone a CertiK token scan of 90 out of 100. Moreover, Halborn security is in the process of scrutinizing the contracts regarding lending and borrowing. There is a live bug bounty program with a $50k reward with the aim of detecting the code vulnerability early.

Price Outlook and Stablecoin Plans

In the future, Mutuum Finance will launch a protocol stablecoin and implement powerful oracle infrastructure. Chaininglink data feeds, fallback solutions, and aggregation oracle solutions are expected to be used in the roadmap. These factors play a fundamental role in proper pricing, secure liquidations, and dependable lending business.

Other analysts feel that in case the protocol is successful in launching V1 and starts creating lending volume, MUTM can experience multi stage repricing. It is projected that in a conservative scenario, analysts propose that the 2x MOVE will be made at the current levels during the forming of utility expectations. In a more aggressive scenario, linked to long-term usage and recycling of deal revenues, 4x to 6x forecasts have been considered. These opinions are questionable and will be dependent on the execution and market conditions.

What’s Next?

Mutuum finance intends to release its V1 to Sepolia testnet in Q4 2025 according to official updates about X. The change of the development to active testing is marked. This is the period in history when most of the DeFi crypto projects start to get more capital.

There is yet another LAYER of urgency of phase 6 selling out quickly. The new demands have to fight over the remaining tokens as it restricts allocation. The recent news of 6 figure allocations of whales indicate that not all large investors are willing to wait till the start of the Phase 7 pricing.

As card payments become functional, as does a daily participation-based 24 hour leader board, and security review checks are approaching 100, Mutuum Finance is entering an even more noticeable phase. A large number of market commentators believe that this confluence of declining supply, future utility, and infrastructure preparedness is the reason why whales are hoarding today.

Among the investors monitoring the potential best crypto and the top crypto narratives developing before 2026, MUTM is becoming one of the assets that are being asymmetrically positioned at its current stage.

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

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance