ADA pressured as new coin like MUTM attracts whales with 250% gains

Cardano (ADA) has long held a strong position in the DeFi market, but investors are now turning their attention toward a fast-rising Ethereum-based project—Mutuum Finance (MUTM).

The platform’s presale performance and expanding ecosystem are drawing crypto whales away from slower-moving assets. Analysts now expect Mutuum Finance (MUTM) to become one of the most promising crypto investment opportunities this year.

Presale surge and expanding adoption attract big wallets

The Mutuum Finance (MUTM) presale continues to gain speed, with Phase 6 now 62% sold and over $17.12 million raised in all phases.

The current token price is $0.035, and the next phase will raise it by 15% to $0.040. More than 16,850 holders have joined so far, showing growing trust from both retail and institutional investors.

The total token supply stands at 4 billion MUTM, with early-phase investors already seeing 250% value growth compared to the initial presale price of $0.01. When the listing reaches $0.06, early participants are set for over 6× returns in value.

Such steady price appreciation during presale stages has encouraged large investors to shift focus from ADA to this new DeFi entrant.

Mutuum Finance (MUTM) runs on a dual lending foundation. The first part, called Peer-to-Contract (P2C), is designed for major assets like ETH and DAI.

Here, lenders will deposit funds into audited smart contracts and receive mtTokens in return. These mtTokens represent their deposits and earned yield.

For instance, a user lending $10,000 in DAI will earn an estimated 15% annual return, equal to $1,500 in passive income.

On the other hand, borrowers will lock $2,000 worth of SOL as collateral and borrow up to $1,400 USDT at a 70% loan-to-value ratio. This design allows borrowers to maintain exposure to their crypto assets while accessing liquidity instantly.

The second part of the system, called Peer-to-Peer (P2P), will cater to higher-risk or volatile tokens. It will allow users to negotiate custom lending terms directly while the platform ensures all transactions remain overcollateralized.

This flexibility gives Mutuum Finance (MUTM) an edge in creating balanced, real-yield opportunities.

Stablecoin, staking, and whale attraction

A key feature that makes Mutuum Finance (MUTM) stand out among new crypto coins is its future decentralized stablecoin system.

This stablecoin will stay pegged to $1 and will only be minted when users borrow against approved collateral such as ETH or USDT. Once the loan is repaid or liquidated, the stablecoin will be burned automatically, preserving long-term peg stability.

Borrowing rates will adjust dynamically to maintain the peg. When the stablecoin trades below $1, interest rates will rise to encourage repayment.

When it goes above $1, rates will drop to promote new borrowing. This mechanism will help maintain equilibrium across the system while making liquidity more predictable for users.

Mutuum Finance (MUTM) also plans a staking feature for mtTokens, where lenders will stake their mtTokens to earn MUTM rewards.

These rewards will grow further through open-market buybacks funded by the platform’s revenue. This cycle will keep user engagement high and create a strong incentive for holding MUTM long-term.

The project has completed a CertiK audit, scoring 90 on TokenScan and 79 on Skynet through manual review and static analysis. Alongside that, Mutuum Finance (MUTM) runs a $50,000 bug bounty program to reward users for reporting security issues before launch.

A separate $100,000 giveaway campaign will reward ten early supporters with $10,000 worth of MUTM each, building trust and excitement among the community.

The roadmap outlines a clear growth strategy. The next steps include the completion of core smart contracts and DApp front-end integration. 

The testnet is being planned to launch on Sepolia. By Q4 2025, the first public version will introduce advanced modules like liquidity pools, debt tokens, and liquidation bots.

Users will be able to lend, borrow, and use ETH or USDT as collateral easily. These developments will establish Mutuum Finance (MUTM) as one of the most functional lending protocols on Ethereum (ETH).

Whales are already taking note of these fundamentals. Early investors who entered during Phase 1 at $0.01 now see their holdings valued at $0.035—a 250% increase.

With the price expected to reach $0.06 at listing, analysts project a further 70% upside right at or after launch. For large holders seeking reliable crypto investment options, Mutuum Finance (MUTM) offers measurable growth and real utility.

ADA, meanwhile, continues to face slower on-chain growth and liquidity movement, leading investors to explore projects with faster momentum.

Mutuum Finance (MUTM) has positioned itself in that gap by offering yield-driven products with stable collateral management, audited safety, and adaptive token economics.

The bottom line

Investors who are moving from ADA to Mutuum Finance (MUTM) are not simply looking for quick profits; they are joining a project that will use smart contracts and dynamic liquidity management to provide stable and clear returns.

As the price is about to rise to $0.040, analysts concur that this is one of the last chances to get in before the project’s value goes up much more.

If you’re interested in the next major move in DeFi-focused cryptocurrencies, it looks like Mutuum Finance (MUTM) is set to take the lead.

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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