Recent on-chain activity is beginning to tell a new story in the crypto market.

Large Bitcoin (BTC) holders—those known for spotting trends before retail investors catch up—are reducing exposure to Binance Coin (BNB) and reallocating into a fast-rising DeFi project: Mutuum Finance (MUTM).

The move is raising eyebrows across the ecosystem, especially as Mutuum enters the final stretch of its current presale phase.

MUTM is currently priced at just $0.03 in Phase 5 of its presale. With over $12.1 million raised, more than 13,000 holders onboard, and 68% of tokens already sold, investors are now rushing to claim the final allocation before the price climbs 20% in Phase 6 to $0.035.

Early buyers from Phase 1 who entered at $0.01 have already tripled their investment, and they’re still on track for a full 6X return by launch, with projections extending up to 10X as lending volumes scale.

For many Bitcoin (BTC) holders, this is the final opportunity to lock in below $0.035 before the listing price of $0.06 resets the playing field.

Mutuum Finance (MUTM) won’t be just another DeFi protocol with a flashy front-end. It will serve as a decentralized, non-custodial liquidity engine, purpose-built for both seasoned lenders and capital-efficient borrowers.

The platform will introduce a hybrid model that will merge Peer-to-Contract (P2C) lending—where users will deposit into asset pools to earn passive yield—with Peer-to-Peer (P2P) lending, where users will negotiate custom loan terms against assets like DOGE, SHIB, and PEPE that traditional platforms often won’t support.

For example, a user who deposits $10,000 in ETH into a P2C lending pool will be able to borrow $7,000 in USDC at a 70% Loan-to-Value (LTV) ratio.

They will have the option to deploy this borrowed liquidity into yield farming, trading opportunities, or personal expenses—all while continuing to benefit from ETH price increases.

The loan will remain active indefinitely unless liquidated due to falling collateral value. There will be no fixed repayment deadline, and no tax-triggering event will occur, as no asset will be sold.

Lenders will be rewarded through mtTokens—interest-bearing tokens minted at a 1:1 ratio when assets are deposited.

These mtTokens (like mtETH or mtLINK) will increase in value as interest accrues and can also be staked in designated contracts to earn passive dividends in MUTM, which will be funded through the protocol’s ongoing buyback system.

As lending demand continues to grow, these rewards will expand—enhancing long-term value for stakers and liquidity providers alike.

What’s catching the attention of Bitcoin (BTC) whales isn’t just Mutuum Finance (MUTM)’s yield opportunities—it’s the structure behind the scenes.

The protocol has been audited by CertiK, one of the most respected names in blockchain security, receiving a strong 95.00 Token Scan score.

That transparency and proactive testing process has been expanded with a $50,000 Bug Bounty Program, designed to ensure that all vulnerabilities are identified before launch.

This security-first approach aligns perfectly with the risk-averse mindset of larger holders.

Looking ahead, the roadmap for Mutuum Finance (MUTM) shows an ambitious but well-structured path.

The team is preparing for a testnet demo launch, Layer-2 integrations to reduce gas fees, enhanced platform analytics, and regional compliance setups to support global adoption.

The smart contract infrastructure is undergoing continuous internal and external review, with the final development phase including expanded institutional outreach and multichain expansion plans.

On top of the core platform, Mutuum is preparing to introduce a decentralized, overcollateralized stablecoin.

This token will be minted only when users borrow against approved assets like ETH and will be automatically burned upon loan repayment or liquidation.

The stablecoin is expected to act as both a liquidity amplifier and a treasury stability layer, offering another strong use case that supports token demand and long-term sustainability.

BNB still holds weight in the crypto space, but price movement has stalled and innovation within the Binance ecosystem feels increasingly centralized.

Bitcoin (BTC) whales understand that the next wave of real returns will come from platforms with strong security, high-yield mechanics, and tokens tied directly to protocol activity. That’s exactly what Mutuum Finance (MUTM) is delivering.

The $100,000 giveaway is also attracting massive interest from the wider community, with 10 winners set to be rewarded at launch.

Combined with the secure architecture, early staking opportunities, and mtToken-driven dividends, this ecosystem is quickly becoming one of the most talked-about plays in 2025.

With only a narrow window left before the presale price jumps to $0.035, this may be the last chance to secure an early position in what analysts now call a “top 40x contender.”

BTC holders aren’t waiting for BNB to recover—they’re reallocating into Mutuum Finance (MUTM) before the price doubles.

So the question is no longer what to buy, but how long you’ll wait before the door closes.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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