Ethereum (ETH) and Bitcoin (BTC) are still the most important parts of institutional portfolios because they provide stability and long-term recognition in digital finance.

But these blue-chip coins no longer offer the huge upside they used to reward whales who want to grow their investments.

Institutions rely on ETH and BTC for steady growth, while big investors are increasingly looking for asymmetric opportunities that promise big profits.

That’s when Mutuum Finance (MUTM) comes in. The idea is getting interest from wealthy investors and is being compared to big companies in their early stages because its presale price is set at $0.035 in Phase 6.

Whales are now putting themselves in MUTM because they think it will move faster than the institutional plays that are more common in traditional portfolios.

Mutuum Finance (MUTM) is creating a financing system that is both safe and quick. In its peer-to-contract concept, lenders and borrowers use smart contracts instead of middlemen to work together.

For example, a user who puts in 200 BNB valued $300 each, or $60,000, will be able to unlock $39,000 USDC at a loan-to-value ratio of 65%. With a 75% liquidation rate, borrowers get a lot of liquidity while making sure the system stays solvent.

Lenders also benefit from high interest rates. Investors will make $192 a year at 12% APY if they put 2,000 MATIC into the pool at $0.80 each, for a total of $1,600.

This assumes that 85% of the pool is used. This shows that more use leads to larger returns, which means that you can count on getting money even when traders are wondering why crypto is down in big marketplaces.

Mutuum Finance (MUTM) also has a peer-to-peer loan system for meme assets that are likely to change, such as SHIB, FLOKI, DOGE, TRUMP, and others.

This helps keep things safe and flexible. This arrangement lets lenders and borrowers talk directly to each other about terms, which keeps risky assets isolated from basic liquidity pools.

It keeps the protocol safe while still letting people look for high-reward opportunities.

The presale has swiftly become the main way for whales to build up their wealth. So far, $15.5 million has been raised in Phase 6, with approximately 16,200 investors and 35% of the supply already dispersed.

The price of $0.035 is one of the last discounted levels before Phase 7, when the price goes up 15% to $0.040. Whales think that missing this phase is as bad as missing early entrances into the giants of the past cycle.

Mutuum Finance (MUTM)’s security safeguards make people feel even more confident. The project is being audited by CertiK, which gives it a Token Scan score of 95 and a Skynet score of 78, which adds to its legitimacy.

A $50,000 bug bounty program encourages people to be alert, and a $100,000 giveaway to ten winners encourages people to start using the product. There is also social traction, since the project already has more than 12,000 Twitter followers.

The loan mechanism also has controls for volatility built in. Stablecoins like ETH will have loan-to-value ratios of up to 75%, while more volatile tokens would have loan-to-value ratios of 35% to 40%.

Reserve factors between 10% and 35% ensure that liquidity is well-managed, striking a balance between growth potential and protection against systemic risk.

This structure makes it easier for investors to look at crypto prices and find opportunities that aren’t same.

Whales who bought into Mutuum Finance (MUTM) in Phase 1 at $0.01 are now seeing their positions valued 3.5X that at the presale stage, which is $0.035.

At launch, this return will grow to an unrealized 6x, with a confirmed listing price of $0.06.

Analysts say that the path ahead, which includes a beta launch at listing, Layer-2 scalability upgrades, stablecoin utility through a burn-and-mint mechanism, and planned listings on exchanges, sets the foundation for huge growth.

ETH and BTC will continue to be the main stories for major investors, but the next big crypto narrative is happening outside of institutional comfort zones.

Whales are betting on Mutuum Finance (MUTM) at $0.035, which tells common traders that the genuine asymmetric growth may be here instead of in the slow-moving titans of the market.

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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