After BTC ETF surge, whales buy $15M new crypto with conviction

The long-awaited approval of Bitcoin (BTC)’s ETF shook the crypto markets, lifting sentiment and sparking one of the most powerful rallies in recent memory.

Yet as the initial wave of excitement cools, crypto prices are beginning to stabilize, and analysts are questioning what comes next.

The ETF story brought massive liquidity into Bitcoin (BTC), but traders are increasingly looking at crypto charts to identify the next asymmetric opportunity.

In this shifting environment, one project is capturing whale attention: Mutuum Finance (MUTM). While the spotlight remains on Bitcoin (BTC), large holders are quietly accumulating this penny crypto, treating it as a serious candidate for 2026 gains.

The interest from whales is not casual speculation—it reflects conviction that MUTM’s model and presale momentum could deliver the type of returns no longer available from BTC.

BTC’s ETF surge

Bitcoin (BTC) surged 5.2% over the past week, reaching ~$113,000 as of September 2, 2025, with a 24-hour trading volume of $45 billion.

The rally is fueled by $5.7 billion in spot ETF inflows, with BlackRock’s iShares Bitcoin Trust (IBIT) capturing $2.2 billion, pushing total ETF assets to $150.6 billion. Whale accumulation of 19,800 BTC ($2.2 billion) and a 3-year low in exchange reserves signal supply tightness. 

Technical indicators show BTC breaking $112,000 resistance, with RSI at 52 and support at $108,000. Pro-crypto policies and optimism around Federal Reserve rate cuts boost sentiment.

Analysts project a $121,500 target if $116,713 clears, but macro pressures like US tariffs pose risks. A drop below $108,000 could test $105,000.

Mutuum Finance (MUTM)’s lending utility and whale accumulation

Mutuum Finance (MUTM) has already raised $15.3 million in its ongoing presale, now in Phase 6 for $0.035. With 32% of the phase sold and the next step moving the token up 15% to $0.040, urgency is building among investors who want to secure entry before the increase.

Over 12,000 followers are now watching the project’s updates, and security confidence has been reinforced through a CertiK audit, with scores of 95 on Token Scan and 78 on Skynet.

This combination of community traction and verifiable trust is one reason whales are comfortable building positions at scale.

Mutuum’s appeal extends beyond hype, with a utility-first model designed for longevity. The protocol will provide peer-to-collateral (P2C) lending, where holders unlock liquidity without selling their crypto coins.

For example, a user holding $12,000 worth of MATIC will be able to borrow $9,000 USDC at a 75% loan-to-value ratio. On the lending side, participants putting $15,000 worth of AVAX into the system will earn an 8% APY, translating into $1,200 annually.

These practical use cases create a strong ecosystem where both borrowers and lenders benefit.

Mutuum is also preparing to introduce peer-to-peer (P2P) lending, where agreements will take place directly between borrowers and lenders. Instead of using collective liquidity pools, users will negotiate terms such as rates and loan duration on their own.

This design keeps riskier tokens separated from the core reserves while allowing lenders to demand higher yields and borrowers to secure flexible terms. It is an approach that matches the needs of whales seeking higher returns without compromising the overall solvency of the system.

To address community safety and long-term trust, Mutuum Finance (MUTM) is backing its protocol with a $50,000 bug bounty for developers who help identify vulnerabilities, alongside a $100,000 giveaway for early believers.

With these programs, the project is signaling that it values transparency and sustainability as much as growth.

Market volatility protection is another critical factor whales are watching. Mutuum will maintain liquidation thresholds designed to keep the platform solvent.

Stable assets like ETH will enjoy higher loan-to-value ratios, while more volatile assets will be capped lower to prevent risky positions from threatening overall liquidity. By setting clear parameters, Mutuum builds the type of confidence institutional investors require.

The investment story around MUTM is already striking. During Phase 1, a trader who swapped 500 SOL into the presale at $0.01 is now holding a position worth more than 3.5x at today’s Phase 6 price of $0.035.

When the expected listing price of $0.06 goes live, that same allocation will represent a 6x return.

With the beta launch and upcoming listings on top exchanges such as Binance, Coinbase, KuCoin, and Kraken, whales are eyeing a 10x to 15x trajectory as part of their conviction bet.

The reason this resonates so strongly is simple: Bitcoin (BTC)’s ETF surge has created excitement but limited upside. Investors who missed the earliest BTC runs are now looking for the next project that can replicate those early exponential returns.

Mutuum Finance (MUTM) fits that profile, combining presale urgency, whale-backed accumulation, lending mechanics, and robust safety nets.

Conviction signals the next cycle’s winner

Bitcoin (BTC) will remain a cornerstone of the crypto market, but the opportunity for transformative gains has shifted elsewhere. Whales accumulating Mutuum Finance (MUTM) are sending a clear signal about where they see conviction.

This is not just a speculative rush but a calculated move into a project that has already raised over $15 million, attracted thousands of holders, and is preparing for a global exchange rollout.

For retail investors tracking crypto charts and asking what crypto to invest in after the ETF surge, the answer is increasingly evident.

With strong presale momentum, innovative lending mechanics, and whale accumulation already underway, Mutuum Finance (MUTM) is being positioned as the real opportunity of this cycle.

As the broader market digests BTC’s ETF milestone, traders looking ahead to 2026 are turning their focus toward MUTM as the token set to define the next big wave of gains.

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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