New crypto coin in spotlight as whales rotate from ADA into DeFi gem, MUTM?
For a long time, Cardano (ADA) has been a well-known name in the digital asset market, but big investors are starting to change their minds. ADA has promised big changes for years, but the price of crypto hasn’t changed much, which makes many people question why crypto is down even while new stories are coming out. Whales, who used to hold a lot of ADA, are now looking for new possibilities where innovation and community progress go hand in hand. Their rotations show that institutional-grade interest in stagnant assets is fading, and the next chapter in the decentralized finance industry is beginning. Mutuum Finance (MUTM) is one of the tokens that is getting a lot of attention during its presale period. It is a project that aims to change the way lending and borrowing work by using new mechanics that will benefit both lenders and borrowers. ADA whales spot the DeFi shift It’s easy to see why this rotation is happening. ADA hasn’t given investors any big reasons to get excited again. Mutuum Finance (MUTM), on the other hand, has already raised more than $15.6 million in its presale, and tokens are now worth $0.035 in Phase 6. More than 16,200 people currently own these, and 38% of the current supply has already been sold. Phase 7 is coming up fast with a planned 15% price rise. Whales who are used to protracted consolidations are finding it appealing to move into a token that is gaining traction before it hits its listing price target of $0.06 and higher. Take the case of a whale moving $100,000 worth of ADA into MUTM during an earlier presale session. The price of ADA has stayed largely the same, but this early position in MUTM has already grown on paper while the presale has gone on. By the time the listing happens, that same allocation will have outperformed ADA’s long-term holding pattern, which is why the pivot is happening now. Mutuum’s dual lending design is what makes this interest possible. With its Peer-to-Contract approach, solid assets like USDT, USDC, and ETH will be put into audited smart contracts, giving borrowers access to loans with more collateral than they need. Lenders will get mtTokens that show how much of the pool they own. When a depositor puts $15,000 in SOL into this system, they will get mtSOL credited to their account. The returns are expected to be competitive and might approach double-digit APYs, depending on how the money is used. The benefit for borrowers is clear: locking up $1,000 worth of SOL as collateral can free up to 75% of that value as cash, while also giving them access to SOL’s potential upside. Mutuum Finance (MUTM) will also add a Peer-to-Peer mode for risky or meme-based assets like DOGE, PEPE, or SHIB to go along with this conventional lending structure. This separation keeps core pools safe while still allowing traders to actively participate in higher-yield arrangements. This two-pronged approach is meant to draw in both cautious lenders and risk-takers looking for bigger profits, making the ecosystem more balanced. Risk management and trust factors make the case Mutuum has made risk management a top priority since whales value safety above all else. A Stability Factor will be linked to the mechanics of liquidation. This will make sure that if collateral falls below the required level, liquidators are motivated to quickly terminate the position at a discount. To make sure that one can pay its debts, we will keep an eye on market volatility and liquidity. Stablecoins and ETH will support larger Loan-to-Value ratios of up to 75% with an 80% liquidation barrier. More volatile assets will have stricter caps between 35% and 40% with a 65% liquidation line. Reserve factors that range from 10% on stable assets to 38% on higher-risk tokens will make the balance sheet even stronger and provide consumers with peace of mind that systemic risks are under control. CertiK audits Mutuum Finance (MUTM) and gives it a token scan score of 95 and a Skynet score of 78. The security pledges go even further with a $50,000 bug bounty program that pays white-hat researchers between $200 and $2,000 for finding bugs. The project has also started a $100,000 giveaway for early supporters. Ten winners will each get $10,000 worth of MUTM tokens. Mutuum is becoming more than just another presale because of these levels of protection and community involvement. It is becoming a protocol with a long-term vision. In the future, visibility will grow if Mutuum Finance (MUTM) becomes listed on Tier-1 exchanges like Binance, KuCoin, or Coinbase. This will bring it to a wider audience. With its beta launch coming up and Layer-2 integration to decrease costs and speed things up, momentum is about to pick up. Many people think that ADA will stay on the sidelines as DeFi innovators like Mutuum set a course for growth, as whales look at crypto ETF flows and capital movement in the sector as a whole. People who invest in cryptocurrencies are looking at the charts to see the next big trend, but they’re not finding it in assets that have already peaked. Instead, the focus is on presale gems that combine new ideas with strong security. Mutuum Finance (MUTM) is on track to become the kind of whale magnet that makes ADA’s performance seem bad by the end of 2026. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://www.mutuum.com Linktree: https://linktr.ee/mutuumfinance The post New crypto coin in spotlight as whales rotate from ADA into DeFi gem, MUTM? appeared first on Invezz