Preferred by whales, this new token shows more growth than TRX in 2025 models

While TRON (TRX) continues to operate as a mature blockchain with wide adoption, a growing segment of crypto whales are shifting their capital to emerging protocols offering structured yields and scalable utility.

One such project gaining serious attention is Mutuum Finance (MUTM), now in Phase 5 of its presale at just $0.03.

With over $11.4 million raised and 12,600+ holders, the decentralized lending protocol is proving that smart capital is looking beyond old-guard networks in favor of platforms that combine passive income with real utility.

Dividend-powered token that pays to hold

Mutuum Finance (MUTM) is built around a revenue-sharing structure designed to reward long-term token holders through passive yield.

Borrowers who use the platform’s upcoming lending functions will pay interest fees, and a portion of this revenue will be used by the protocol to repurchase MUTM tokens on the open market.

These repurchased tokens will then be redistributed to users who stake their mtTokens—on-chain representations of their deposits—inside designated smart contracts.

This system means that lenders supplying assets into Mutuum’s Peer-to-Contract (P2C) pools will not only earn interest but also qualify for dividend distributions.

These mtTokens, earned 1:1 for deposits like USDT or ETH, will continuously accumulate value and make users eligible for yield stacking through both interest and token buybacks.

For instance, a lender who deposits $20,000 into USDT-based pools and earns around 14% APY (depending on pool utilization) will accumulate $2,800 in passive income over the year—without having to claim, reinvest, or manually compound.

Whale signals and utility-driven growth

Large capital is already flowing toward this narrative.

A well-known DeFi whale recently exited TRON (TRX) around $0.13, locking in profits before reallocating $90,000 into Mutuum Finance (MUTM) during Stage 2, when the token price stood at $0.015.

That sizable allocation secured an impressive 6,000,000 tokens—a position built for both appreciation and long-term yield.

Since that investment, the token has moved through successive presale phases, reaching $0.045, tripling the whale’s initial stake to $270,000—without the volatility of open-market trading.

But this wasn’t just a play for fast gains.

The same investor has publicly shared plans post listing (when the platform goes live) to stake mtTokens to earn passive protocol rewards, plus participate in Mutuum’s early liquidity programs as stablecoin vaults and lending features come online.

With the final presale phase targeting $0.06 before listings and projections from analysts like DeFi Edge Research suggesting potential moves toward $0.50+ post-launch, this early position will easily exceed 10× returns over the next year.

For many TRX holders watching their tokens stagnate, it’s a compelling example of how capital is shifting toward real utility—before everyone else catches on.

The protocol’s roadmap includes multiple high-impact rollouts. First comes the beta launch, timed to go live around the token’s official listing.

Then follows the introduction of Mutuum’s own decentralized stablecoin, which will be minted only when users borrow against assets like ETH.

That stablecoin will be burned upon repayment or liquidation, with its price kept near $1 through governance-controlled interest rates and arbitrage mechanisms.

Finally, Layer-2 integration will allow Mutuum Finance (MUTM) to deliver faster, lower-cost transactions, bypassing common bottlenecks in DeFi like network congestion and high gas fees.

Security and transparency are also at the forefront. Mutuum Finance (MUTM) has been audited by CertiK, receiving a Skynet Score of 77 and a Token Scan Score of 95.00.

To further harden the protocol against risks, the team has launched a $50,000 Bug Bounty Program in partnership with CertiK, offering payouts for vulnerabilities ranked from low to critical severity.

This level of commitment provides added assurance for institutional and retail participants entering during the early stages.

Mutuum Finance (MUTM) has also launched a $100,000 giveaway campaign, with ten winners each set to receive $10,000 worth of tokens—an added incentive for early believers to stake their claim before mainstream attention intensifies.

Final words

As Phase 5 approaches full allocation, the price is expected to jump in the next phase. For example, someone who invests $6,000 at the current $0.03 price point and rides a 25× return will be looking at $150,000 in value.

In contrast to TRX, which depends heavily on broader ecosystem usage, Mutuum Finance (MUTM) is driven by internal utility, lending infrastructure, and protocol-level dividend flows.

With its passive income mechanics, secure design, and strong capital interest, Mutuum Finance (MUTM) stands out as a DeFi asset that’s built to work—not just one to hold.

While older tokens like TRON (TRX) offer stability, it’s utility-powered newcomers like MUTM that offer real growth in 2025.

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

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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