A single whale transaction that moved 270 million BTC into ETH made news lately. This shows how big holdings may change the mood of the market.

These big flows often control the crypto fear and greed index, while ordinary investors often find early chances in new protocols with excellent fundamentals.

Mutuum Finance (MUTM) is one of these projects that is getting a lot of interest right now. Retail buyers are driving presale momentum, while conventional whales are still focused on existing assets.

Moving money from large coins to new DeFi protocols is a common practice.

Experienced retail investors have realized that whales pursue liquidity in ETH and BTC, yet early-stage startups with great presale traction might give them returns that are not equal. In Phase 6, Mutuum Finance (MUTM) raised $15.32 million from more than 16,000 investors.

About 32% of the 170 million tokens set aside for this phase have already been sold. Phase 7 is set to go up to $0.040 (+15%), which makes those who want to buy tokens at the present low price of $0.035 feel like they need to act quickly.

This mix of early demand, structural usefulness, and presale puts MUTM in a strong position to benefit from retail-driven growth.

On August 31, 2025, an old Bitcoin (BTC) whale moved $270 million worth of BTC (2,500 BTC) into Ethereum (ETH), which was a hint of a change in strategy.

Bitcoin (BTC) is worth around $113,000 and has a 24-hour trading volume of $45 billion. Ethereum (ETH) is worth about $4,350 and has a trading volume of $37.07 billion. The whale’s 691,358 ETH ($3B) stack grows with this Hyperliquid trade. 

BTC is testing support at $112,000 with an RSI of 46, while ETH is testing support at $4,150 with an RSI of 48. The whale’s movement, together with $1 billion in BTC and ETH liquidations and U.S. tariff concerns, shows that people believe in ETH’s DeFi and upgrade potential.

If resistances are broken, analysts expect BTC to be worth $116,713 and ETH to be worth $4,868. However, if BTC declines below $112,000 and ETH falls below $4,150, they might fall to $105,000 and $3,950, respectively.

Mutuum Finance (MUTM) stands out because it has a decentralized $1 stablecoin that is meant to keep its value stable.

This stablecoin is only made when people borrow against collateral like ETH, and it is immediately burnt when the loan is paid back or the collateral is sold. Governance keeps the stablecoin’s value at $1 by controlling interest rates.

At the same time, arbitrage mechanisms assist in keeping prices stable in real time. Mutuum Finance (MUTM) offers intrinsic usefulness by offering a safe asset with collateral that naturally draws in users beyond just trading for fun.

Users will also be able to stake mtTokens in certain smart contracts to get MUTM incentives. The platform makes money by buying back MUTM on the open market. This keeps demand for the currency high and makes sure that users benefit from the expansion of the protocol.

This two-part system of staking and buyback generates a positive feedback loop that encourages people to participate while keeping the token’s liquidity robust.

After it becomes live, Mutuum Finance (MUTM) will use strong oracle infrastructure like Chainlink to give correct price feeds for all supported assets.

This will make sure that valuations are fair and collateral is managed safely. This mix of stability, yield, and real-time price discovery makes people more confident about the protocol.

Mutuum Finance (MUTM) has made a clear plan for four phases. Phase 1 includes starting the presale, running marketing efforts, doing external audits, setting up an AI-powered helpdesk, keeping track of platform listings, and giving away $100,000.

In Phase 2, the focus will be on building the core smart contracts, the front-end and back-end infrastructure for dApps, integrating advanced features, and doing code audits over and over.

In Phase 3, beta testing will take place on the testnet, functioning demo versions will be released, development will be finished on all platforms, regulatory compliance will be ensured, and final audits will be done.

In Phase 4, the live platform will be available, MUTM will be listed on exchanges, the claim process will be turned on, multi-chain expansion will happen, institutional alliances will be formed, and advanced features will be rolled out.

Each step is meant to make sure that growth is organized and that both retail and institutional players have a good chance of adopting the system.

Security is still a very important part of MUTM. The platform has been checked by CertiK, and it got a Token Scan score of 95 and a Skynet score of 78.

The bug bounty program gives out 50,000 USDT, with different amounts for different levels of severity: up to $2,000 for critical issues, up to $1,000 for major issues, up to $500 for medium issues, and up to $200 for low issues.

Mutuum Finance (MUTM) is building both credibility and a large user base with a growing community of over 12,000 Twitter followers and continual incentives to get people involved.

As retail investors keep putting money into crypto while watching crypto prices today, the difference between whale-driven ETH flows and presale-driven MUTM demand becomes clear.

While the big BTC holder moves billions into established tokens, little investors are carefully buying Mutuum Finance (MUTM) at $0.035 to get ready for the Phase 7 rise to $0.040.

MUTM is setting itself up to be the next big crypto with a defined roadmap, stablecoin innovation, staking incentives, and buyback methods. It offers actual multi-dollar upside for disciplined early adopters who want to make more money than they put in.

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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